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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Demand for Method of Verification Unverified Account Dispute. Accounts are listed below. 
Account Name : XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account Account Name : XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account To Whom It May Concern : I am writing regarding an account reported on my credit file that I believe is inaccurate and unverified. I recently reviewed my credit reports from all three major credit bureaus, and this account does not appear to have been properly investigated.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of reports available to me, I believe this account is inaccurate, and your failure to properly verify it is unacceptable. 
I am also aware of the recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and XXXX, which highlights failures in proper investigations and handling of consumer disputes. I urge you to ensure that your practices align with the standards required under the FCRA. 
To resolve this matter, I demand the following : 1. A detailed Method of Verification ( MOV ) that outlines how the information for this account was verified, including : The name and contact information of the party who provided verification. The exact steps taken to investigate my dispute.

Copies of any documentation used during the investigation process.

2. Immediate action to either perform a thorough reinvestigation or delete the account from my credit file if verification can not be properly substantiated.

Please note that under 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to be provided with a detailed description of your reinvestigation process and the method by which you verified the account. Your failure to provide this information will leave me no choice but to escalate the matter further. 
If you can not verify this account within the legal timeframe, I demand its immediate deletion from my credit file. Continued reporting of inaccurate information is a violation of federal law and may result in a complaint filed with the CFPB, my states Attorney Generals office, or further legal action.

I expect a written response with the requested information within 30 days of your receipt of this letter. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

1. On today, XX/XX/2019, I originally had called to dispute a charge. 

2. The charge was for {$10.00} from " XXXX '' posted XXXX XXXX, 2019. 

3. I stated that I purchased a meal from XXXX specifically for dine-in, and I received the meal on a tray. However, due to an altercation between the store staff and an irate customer from the drive-thru who came into the store, causing me to fear for my safety, that I left the store before being able to eat my meal. 

4. XXXX, supervisor, ID XXXX, stated that she was going to categorize the dispute as a " service dispute '' because I was " unhappy with the service '' and " unhappy with the altercation. '' 5. This downplayed the seriousness of the situation and was offensive to me. 

6. I asked to speak with XXXX 's supervisor and at first she refused starting she was a supervisor. Then she let me speak with her supervisor, XXXX. 

7. XXXX did not change the categorization of the dispute. I disagree with the categorization and argue that the dispute should have been categorized as " merchandise not received. '' Seeing as how I ordered, and was charged for, a dine-in meal. Having a space restaurant environment in which to dine is part of the merchandise. If the building was on fire and I left for that reason, which is also a safety reason, would you still say I was unhappy with the service, or unhappy with the fire? Shame on y'all., 8. No provisional credit has been issued by Bank of America to date. 

9. I requested to close my checking account by phone. 

10. XXXX, Mgr., XXXX XXXX refused to close the acct. stating it could not be closed because of three pending disputes, including the one that had just been filed. 

11. I asked that any and all monthly fees be waived until such time that I can close the acct., seeing as how I have requested the acct. to be closed and it is the company that refused to do so. I shouldn't essentially be held hostage as a customer and then forced to pay fees for an acct. I requested to close.
Product: Debt collection

CEO of Santander Consumer USA To Whom It May Concern : I bought car through XXXX In XXXX, TN ... I was told I had to finance through you all, even though I had good credit. I purchased a XXXX XXXX ( XXXX  ). 
Unfortunately, your product cost me more than I would ever imagine, I realized that every payment never made my total of the car go decrease. Instead it was getting higher and higher. I also noticed that my insurance was never updated with them. I soon realized that I was paying for a car I would never own. I complained and complained. I even sat in my car thinking why did this bank do this to me. I am a good paying citizen and I was just scammed. I lost more money than ever. I realized that after making payments I had already paid for the car and I was not seeing any progress in the price/financed amount. I thought about taking it to the media, but I instead tried to reach out to the customer service and they were not nice at all. 
To resolve the problem, I would appreciate your company removing this car from credit like it never happened. I do not wish to pay anything due to the horrible service and I do not have the car. I do see that your company is being sued. I am truly sorry for the inconvenience, but I was done so wrong by this company as well. I asked for information to see if terms were changed and if I missed something in the bylaws here. I was only contacted about payment. I am hurt by the decision I made to choose to buy a car from you all. You may be a great person in person, but this has hurt me tremendously. It has cost me my livelihood in so many ways. I am not able to buy a house. I have been renting for 12 years. I was not able to get any extra credit due to help me stretch the XXXX dollars every two weeks I make to take care of my XXXX children. I have hopped from home to home with family and friends to try and make ends meet. What did I do to deserve such a crazy deal. How is it that I was preyed upon with a XXXX credit score and XXXX dollars to put down and they took my hard earning money and still took it after making payments. 
I look forward to your reply and a resolution to my problem. I will wait [ 30 days ] before seeking third-party assistance. Please contact me by email or phone number XXXX XXXX they are being sued for predatory lending. I was a victim of this. I am so upset! See below! These are the things that were turned in and they were sued for. 

Santander Consumer USA - illegal practices and consumer harrassment Santander Consumer USA - unethical service Santander Bank - mishandling of purchased autoloan Santander Consumer USA - refund due Santander Consumer USA - get real Santander Consumer USA - car loan Santander Consumer USA - billing and website issues Santander Consumer - scam Drive Financial Dba Santander Consumer USA - everything Santander Consumer USA - auto loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion, XXXX as well as XXXX   with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XXXX, XXXX, 2020. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX and Equifax alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items dispute the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX and Equifaxs inaction violates federal law and my rights as a consumer. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I discovered a fraudulent credit account opened in my name with Genesis Credit out of XXXX XXXX. I contacted this company and they stated an account was opened online and purchased {$4000.00} worth of stuff. I told them I did not open this account or authorize this and asked to speak to there fraud department. Genesis stated they could not connect me to the fraud department as they do not have a phone number. I filed a dispute on my credit report and sent letters to each agency and Genesis credit. XXXX will not remove stating it is accurate information. I have filed with the XXXX  as well. I want this removed from my credit report as I did not open this account. 

I will continue to send letters to the credit bureau and Genesis Credit hoping to have it removed. I do not have this kind of money to pay on something I do not own. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on XXXX XXXX, But Experian only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.
Product: Mortgage

On XX/XX/2021 I applied for a mortgage at a company in XXXX called cross country mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was XXXX points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.
Product: Debt collection

I have a letter from the attorney of Consumer Portfolio Services stating Consumer Portfolio Services would discontinue pursuit of the debt. The company stated they stopped reporting years ago. However, on XX/XX/2020 it shows still being reported as owed debt. This is stopping me from purchasing a home.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed that my Military Star Card account was reported as a collection/chargeoff, despite the balance being paid through my tax refund and additional payments from my XXXX. The account has been listed as overdue for several months without my knowledge, and I was never notified of the late status. IRS documentation verifies that the owed balance was cleared with my tax refund. However, the account continues to be listed as a collection with a status of 'late 120 days ' despite the payment being made.
Product: Credit card or prepaid card

Chase sent a document " Important Changes to Your Account Terms '' raising the penalty APR to XXXX XXXX  and imposing XXXX fees for late payment and return payment in addition to the Penalty APR. I called to protest that these are outrageous terms. Apparently, I have no choice but to accept them or close my account. In discussing the matter with the representative, he stated that Chase had to raise these charges to encourage people to make timely payments, given the number of people not paying on time due to the COVID-19 situation. I find this absolutely outrageous. Chase is adding to the misery of people who are out of work through no fault of their own. Appalling. You people need to get involved to persuade Chase to be a better corporate citizen.
Product: Money transfer, virtual currency, or money service

Cash App prominently advertises that transfers are " fast and free '' and " Fast payments for free ''. 

But from XXXX : Cash App provides two options to transfer money into a third party bank account ; wait XXXX business days, or instantly withdraw with a 1.5 % fee. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my partner took a loan from XXXX XXXX to purchase a new car without my authorization, now XXXX is reporting this loan and repossession to the 3 credit report agency on my credit report, i have tried to ask them if they have anything in terms of documents signed by me and this was requested by certified letters but despite my numerous requests nothing was ever received by me, moreover Instead to delete this derogatory information from the credit report they filed a judgment against me on XXXX XXXX for the amount of {$12000.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate employment : XXXX XXXX XXXX XXXX These accounts have resulted in XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

transunion did not provide proof of valid debt for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following disputed account as it does not belong to me : XXXX XXXX XXXX  account XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 ( XXXX XXXX BANKRUPTCY ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re :  Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX US DEPT VETS DEPTEDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXXl XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, Equifax, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Product: Debt collection

I contacted the original creditor and they can not locate a past due balance on my account. The date of service for this bill is XXXX/XXXX/2010, even if it was owed it is past the statute of limitations and in violation of The Fair Debt Collection Practices Act. Oregon 's statute of limitations is six years. I contacted the company after speaking to an attorney all morning and they state that " They can not remove this from my credit report. ''