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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1200.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$65.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}.
Product: Consumer Loan

My husband is constantly getting phone calls from his cell phone and his work phone from these people trying to contact us about our car payment. We know we are behind but we are doing the best we can to catch up
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently pulled a copy of my credit report and notice and caine & weiner there I have no idea what this debt is about or what it is for this is a company I have never done business with. I wrote them and to date I have not received a response from them. At this point I just need them to be delete from my credit report
Product: Checking or savings account

On Tuesday, XX/XX/2022 I went to the drive thru of the 5/3 bank at XXXX XXXX XXXX in XXXX XXXX, Il. WHile there, I asked the bank teller instead of giving me cash, to please make my withdrawl into a Money order or casheirs check, which ever is cheaper. She said for that I would need to come in, I stated to her that I am on crutches and can not. When I filled out my witdrawl form I clearly marked and signed to withdraw my money from my savings account. 
On Wednesday, XX/XX/2022 I received my bank alert and checking account had a negative balance. Iimmediatley figured out that the bank teller withdrew from the wrong account. I checked my my accounts and the bank teller certainly did withdra my money from the wrong account. After nearly 30 minutes of speaking to another bank teller and I myself ttransferring my money from the savings to the checking to get out of the negative balance, the teller still refused to rectify the situation by returng the negative money that I am now out. However, after clearly stating to him that I will close ALL my accounts, he did admit the teller was in error and they do have the signed withdrawl form with SAVINGS marked. All I want is the money that I now lost because of this bank teller and her error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX
Product: Debt collection

Good afternoon, This is in regard to my original complaint # XXXX. The refenced complaint # was filed on XX/XX/2021 @ approximately XXXX. In addition to this complaint, I have emailed XXXX, XXXX XXXX XXXX XXXX, XXXX now XXXX times. On XX/XX/2021 I mailed a letter to you that included copies on emails sent, and ive since sent more. XXXX, XXXX XXXX XXXX XXXX, XXXX, have ignored all attempts to contact & the situation is still not rectified. 
Capital One verified this debt was not mine. They have now garnished my taxes, how can they garnish when attempt to payment was made? I never missed payments on this account even though it is not mine. Payments stopped due to XXXX, not due to me. They can NOT PROVIDE PROOF they tried to contact me to reopen this account for payments. After receiving the letter about possible garnishment I, as mentioned above, have contacted then now XXXX times to try to discuss this matter. I am more than baffled that the credit bureaus have deleted this account because they did not have the supporting documentation, as this account is not mine. Yet, I am still receiving letters in regards to this and am now being garnished when they fail to communicate. Garnishment was not necessary. This issue needs to be resolved and communication back in response to my emails and phone calls needs to take place. I am not someone who does not pay on accounts. Thank you.
Product: Credit card or prepaid card

I worked well over a year to get a Citibank Secured Card and graduate it. My card was graduated but it was not graduated into the card I had worked all this time to get. I would like my card to be graduated into a Citi XXXX card. I was graduated into a Citi XXXX XXXX card. After three calls into customer support Ive been told that Im out of luck, even though I had stated this was the intended card over a year ago. 

Im requesting my XXXX XXXX be PCd into a XXXX card.
Product: Prepaid card

I am trying to get a replacement pre paid card after losing mine. I spoke with Imcomm and they requested I send them my proof of address, my state issued drivers license and a copy of the receipt from when I purchased the gift card- they gave me a claim number to send with the docuements. I sent those documents to them XXXX the claim number in the subject line as I was directed. They told me it could take 30 days and it would be reviewed in XXXX days. I called today XX/XX/year> for an update and they couldn't find the email where I sent the documents in, I was on hold for a very long time and they told me they will review documents, it takes XXXX days and can take 30 days to complete. I asked him if he could verify they received my documents and he wouldn't answer just told me he didn't understand what I was saying. I need a replacement card or a refund check for the remaining amount. The card is shut off, there is a large amount left on the card that should be sent to me.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2024, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Crypto.com 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in Crypto.com, which is a regulated company. 
I tried reaching Crypto.com multiple times, but all of my attempts fell on deaf ears and I have never received a resolution to my issue.
Product: Credit card or prepaid card

Trip paid to XXXX XXXX in the amount of {$3000.00} on XXXX XXXX 2020. Trip was cancelled by merchant ( XXXX  XXXX ) prior to trip departure date. 
Merchant cancel date : XX/XX/2020 XXXX dates paid for : XX/XX/XXXX - XX/XX/2020 XXXX services were rendered by the merchant. Refund requested but merchant would not provide refund for services not rendered. 
I contacted my credit card company, Barclays - XXXX XXXX XXXX XXXX Mastercard and discussed the dispute. 
I was informed to fax and mail in documentation. Documentation faxed XX/XX/2020 and put in USPS same day. 

I recently received an outcome letter that " they are unable to pursue credit on my behalf and that the merchant would be issuing a future travel credit. '' This is unacceptable. The merchant violated the contract by cancelling/not rendering services on the contracted date. My credit card company is not acting on my behalf in rectifying this billing dispute. This was a family trip. My sister, who filed a dispute through XXXX XXXX, has already received her refund. 
No manager is available to assist with dispute at Barclays - XXXX XXXX XXXX XXXX Mastercard and there is an estimation that I would receive a call from Barclays - XXXX XXXX XXXX XXXX Mastercard in 5-10 business days. Barclays - XXXX XXXX XXXX XXXX Mastercard is not resolving the issue with the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my report from Discover. I called Discover and the rep was not able to locate an account or application using my SSN.

She said I should dispute, as a hard inquiry should not be on my report if there 's not a account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute about incorrect items that are still reporting on my credit report, this company is in violation of the law and need to be held accountable. Please help me with this matter.
Product: Credit reporting or other personal consumer reports

While checking my credit report, i was seeing alot of hard inquires that don't belong to me, of accounts that dont actually have data for the months they have reported, there's a cap in these accounts that don't actually match.
Product: Checking or savings account

I shut my checking account of about XXXX last XX/XX/year> and the cheque was not issued. I went to chase branch in XXXX and they stopped the payment and said I will get a new XXXX. Since it did not happen in 2 months, so I went to XXXX XXXX branch. They stopped payment and reissued a new XXXX by mail, which I never got within their stipulated time of 10 days. They told me to go to XXXX branch as it had a notary - stopped XXXX again and said I should receive a new XXXX  within 10 days. XXXX did not happen. Told me to redo the process, but of course their notary had left. So they told me to g o to XXXX XXXX which had a notary. They redid the process but I still did not get the XXXX When I followed up with the manger, he said go to ustimer service. Customer service send me back to bank branch. The branch wants to repeat the process of notary XXXX the XXXX ) and reissue a new one. 

XXXX years past, I have not seen the money returned. Bank staff is sympathetic but can not help me ( claim it is the backend ), and they keep on either asking me to go to a different branch or worse re-doing the same process. Just want my checking account money back XXXX. 


I should have transferred it over digitally instead of asking for a XXXX when closing it - regret it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}
Product: Debt collection

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account.

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights.

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor.

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter.

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.
Product: Credit reporting or other personal consumer reports

This is my second 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 items 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 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 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 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

The application was not processing payments from correct checking account. It was latter found and fixed and account credited but credit report wasnt fixed.
Product: Debt collection

The company has 2 charged on my profile. I closed my cable account and returned box yet not only did they still charge me they added an additional collection, no idea what for. This amount owed as stated, two times, is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion llc took one of the dismissed bankruptcy off and not the other one when both of the dimissed bankruptcy are attached, just because somebody file bankruptcy does not mean they went through with the process. I also went to bankruptcy court in XXXX ohio and got certified copies of the dismissed bankruptcy, transunion come back as accurate when it not because most of the creditors are on the XXXX  XXXX which is discharged so they still reporting inaccurate information going by that 3rd party they rely on for information which is XXXX XXXX
Product: Debt collection

In order to verify this is my debt. I have sent a certified letters XXXX to Portfolio Recovery Associates, LLC Attn : Disputes XXXX  XXXX XXXX XXXX, VA XXXX asking for a copy of the original contract showing my signature and proof of charges with my signature. 

As of todays date they have not sent me any proof that I owe the debt, i.e. information showing my signature. 

They continue to call my phone number after I tell them DO NOT CALL and send the information requested.
Product: Mortgage

hello again, i put a claim in previously under Thank you for providing feedback! 

Thank you for providing feedback on the companys response to your complaint. Weve noted your feedback. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 and you sent me the response from the bank with a guy namedXXXX XXXXXXXX XXXX WHO wrote a very nice letter saying what they did for me, but it was all a lie, once i received the response i sent directly to that gentleman along with phh bank again EVERYTHING i have been sending them since this modification first began but you closed that complaint id and i dont get why??? it is not solved, they are going to take my home and i beleive if someone doesnt help me soon my XXXX husband will be living in the street, so i guess i have to refile a new claim since i did send all the paperwork again, and i have not heard from anyone on this matter.. 
please i can pay the mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. i am requesting that the reporting of this information be blocked and deleted .my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the identified transactions are not information related to any transaction by me as the consumer. : factual data finance other than personal date XXXX : XXXX : XXXX factual data other than personal : mortgage reporters XX/XX/XXXX : XXXX : XXXX factual data other than personal : miscellaneous reporters ; XX/XX/XXXX XXXX : : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : : XXXX XXXX : FINANCE OTHER THAN PERSONAL XXXX/XXXX/XXXX ; XXXX : : XXXX XXXX : MISCELANIOUS REPT XX/XX/XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX all files see attachment to follow ; ; you are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice i look foward to your response