23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

hi i am requesting a copy of my retail installment contract including all documents signed the date of transaction, to see if repossession was lawful and legal thanks i need the itemization of the amount financed, on XXXX ; XXXX XXXX  XX/XX/11 i called the bank and asked and was hung up on 2 times due to the fact the XXXX who answered the phone didn't like what i said when i have a legal right to this information to please stop being stupid and send me my proper paperwork, OR if i never received the itemization of the amount financed i believe that would make the transaction default and none compliance with the TRUTH IN LEND ACT thanks please don't be stupid
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect data from XXXX XXXX is on my Experian credit report as a Potentially Negative item. ALL the XXXX information should be deleted because I have NEVER DONE ANY BUSINESS with XXXX XXXX. Here are some facts ... 

A. XXXX could NOT FIND ANY history regarding ANY account for me UNTIL WE FURNISHED IT TO THEM during a dispute call. During that conference call, Experians Dispute Center employee had to provide XXXX with an account number ( XXXX ) since XXXX could NOT find one in their system. XXXX now uses that account number ( the one provided by Experian ). Note : this is verified by notes in the Experian Dispute Center. 

B. XXXX could NOT find ANY OTHER account number in their system ( related to me ). 

C. During the conference call including Experians Dispute Center, XXXX asked me for personal data including my name, address, my Social Security Number, current phone number, and specifically asked if I had lived at various addresses. XXXX XXXX  could NOT FIND ANY RECORD of me in their system. 

During that conference call, when XXXX admitted they could not find any record of me in their system, Experian Dispute Center asked XXXX if they would authorize removal of the information since it could not be verified. XXXX stated they, " could NOT remove any data unless they first found the account and verified that it was a mistake '' ( seriously ). 

D. XXXX now has my personal data in their file since we furnished my personal data to them while they were trying to locate the file ( See Item C ). 

E. I have NEVER LIVED at the following address Frontier is questioning XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX ( The XXXX XXXX XXXX XXXX verified this was NOT a residential address. ) F. I have NEVER done any business with XXXX XXXX. 

G. There is NO mention of XXXX XXXX on my XXXX or XXXX credit reports. 

H. This situation has been disputed three ( 3 ) times through Experian but NO changes have resulted. The Experian credit report continues to be incorrect by including the XXXX XXXX information ( see image below ). 

I. Due to a lifestyle change, since XXXX 2003, I have  had NO utility costs ( including landline telephone, electric, water, sewage ) and NO cellphone costs. 

H. I have now spent over nine ( 9 ) hours, during four calls over a four-month period, on the phone with Experian and XXXX XXXX. The result of one call was that Experian suggested that I hire an attorney.
Product: Checking or savings account

On XX/XX/XXXX, I cashed a relocation check in-person at the BECU location in downtown XXXX with the help of a teller. They told my the funds will be available in 5 business days. On XX/XX/XXXX, I verified that the money is cleared in the account and initiated a transfer to my old personal bank account in NY to pay back my parents for helping me relocate. BECU called me to verify this transfer, initiating a 3 way call with my old bank. Everything checked out. 

The following Monday ( XX/XX/XXXX ), I received notice that my bank account was locked, and to call BECU support for more information. Upon calling, they said I triggered a fraud alert and that they would have to wait 5 additional businessdays to ensure that the check clears. I figured this was reasonable and waited. 

After those 5 business days passed, I went back to the XXXX branch by appointment to get more information and file a complaint. The person was polite, but was unable to reach the internal team investigating the issue and could only guess as to what was happening. After another week, 15 business days after the check was cashed with no issues or returns, I reached out again and was told the same thing. 

It has now been 20 days, and I still haven't heard from anyone at BECU by text, phone call, or email. I have had no access to my money for a month now, all due to the gut feeling of some staggeringly incompetent desk jockey who wouldn't be qualified to investigate a " Where's XXXX '' cover, let alone a check transfer that has been cleared at the source bank for over a month. 

I don't even think it's legal to hold a check for this long on vibes alone. I know for sure I am never banking with them again after this. I have banked in 3 different continents at a dozen institutions and I have never had the displeasure of dealing with this scale of borderline-criminal incompetence.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section XXXX XXXX XXXX XXXX ( a ) ( XXXX ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Formal Complaint against Experian for Violation of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally report a grievance against Experian, a credit bureau XXXX for their alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I sent a certified letter to Experian, addressed to the XXXX XXXX, on XX/XX/XXXX, seeking the validation of a debt related to a closed account with an open balance that is inaccurately reported as past due. The subject account pertains to my relationship with XXXX  and has a reported opening date of XX/XX/XXXX, and an outstanding balance of {$230.00}. 

The FCRA, under Section 609 ( a ) ( 1 ), grants consumers the right to request verification of debts reported on their credit reports that they believe to be inaccurate or incomplete. My certified letter to Experian requested such verification of the debt associated with the mentioned account. Specifically, I sought information that would enable me to ascertain the validity and accuracy of the reported debt. 

Experian 's response to my request, however, has been unsatisfactory. The credit bureau failed to provide the essential information required to validate the debt, as stipulated by the FCRA. Instead, Experian continues to report the account as past due, which is having a detrimental impact on my creditworthiness. This reporting is in contravention of the FCRA 's provisions, specifically Sections 1681e ( b ) and 1681i, which mandate the accurate reporting of consumer credit information and the requirement to investigate disputed information. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly, as Experian 's actions appear to be in violation of the FCRA. It is my belief that Experian 's failure to comply with the FCRA has caused substantial harm to my credit standing, potentially affecting my ability to access credit, employment opportunities, and other financial activities. 

In accordance with the FCRA, I would appreciate the CFPB 's assistance in addressing this issue and ensuring that Experian adheres to its obligations under the law. I have attached copies of the certified letter sent to Experian, as well as any correspondence received from them in response to my request. 

Thank you for your prompt attention to this matter. I look forward to the CFPB 's involvement and assistance in resolving this dispute in accordance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Dear CFPB, my home that was taken from in XX/XX/XXXX and i was told by bank of america that the it was conveyed back to XXXX XXXX and there is still no one occupy the property, at this moment i am pleading with CFPB to allow me to pick up from where i fell off and lower my monthly mortgage payment and allow me to return to my home, i choose this property in XX/XX/XXXX left my footprint in the dirt then watch my home { The XXXX Model } built and then in XX/XX/XXXX i move in, I was so exited, as a single parent raising XXXX children and wanted the best for them i choose a neighborhood i wanted them to be safe so i knew then i had to work hard to keep up with my mortgage and that exactly what i did, i even open my own business and then the recession hit i fell back on my mortgage payment i spent XXXX of dollar to Lawyers and Agencies to help me save my home but unfortunately because the lack of my knowledge my home that i built and lived for fifteen years was conveyed back to the investor XXXX  XXXX, and right now i am pleading with XXXX XXXX please to have some mercy and allowed me to go back home
Product: Debt collection

I purchased flooring from XXXX on XX/XX/XXXX. I signed a contract that stated my original total was {$6400.00} but I only had to pay {$5600.00} due to a discount approved by market. I made two deposits on XX/XX/XXXX ( {$580.00} and {$2200.00} ) totaling {$2800.00}. In the special instructions section on page 2 of 14 it stated that I owed {$2800.00} C.O.D. I had two different installation dates. On XX/XX/XXXX I paid {$1700.00}. On XX/XX/XXXX the customer service representative took my payment over the telephone for {$1300.00}. The next day I got a call stating that they had overcharged me and they were going to fix it and my payment of {$1300.00} would not be processed. Then the day after that I got a call stating that I owe {$1200.00} more. After several calls with an unknown representative I asked for a supervisor. XXXX XXXX called me. XXXX XXXX General Office Associate XXXX. Ms. XXXX stated that I owed {$1200.00} more over the telephone and in an email. I explained to her about the call I received as well as everything else and asked her to send me an itemized bill. Ms. XXXX then sent me an email saying I owed {$1300.00} more, she sent me a bill stating that my total order was {$4000.00} my deposit was {$2200.00} with an allowance ( discount ) of {$470.00} and I owed {$1300.00}. However, the original sales receipt stated my original total was {$6400.00} but I was being charged {$5600.00} which is a {$770.00} discount not {$470.00}. Ms. XXXX also sent an attachment showing my total was {$4000.00} with a deposit of {$2200.00}, discount of {$470.00} and balance of {$1300.00}. I informed Ms. XXXX according to the original call I received and the email that she sent me with an attachment mirroring what was she typed, I had over paid by {$390.00}. I also told her that one of my deposits made on XX/XX/XXXX for {$580.00} was not reflecting her itemized bill. Ms. XXXX never addressed that. After several calls and letters mailed to me Ms. XXXX and I couldnt come to an agreement. XXXX XXXX wanted me to send her my credit card statement but with everything that transpired I did not feel comfortable sharing my personal information with anyone at XXXX. On or around XX/XX/XXXX, I received a collection notice for {$1300.00}. This have been a living nightmare and nobody seems to care and now my credit is being jeopardized. Im not sure what my salesman or any other of the workers did with my order.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous,3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance Owed : {$540.00} XXXX  XXXX Balance Owed : {$8600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I spoke with a rep at each of the following companies, XXXX, XXXX, and Transunion about the possibility that they were reporting fraudulent accounts on my consumer file. I pleaded with them to remove these accounts as I had no knowledge or information on where these accounts came from. I was told by all 3 companies that I needed documentation and to fill out an FTC report. I did just that and sent my letters via certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my report and were somehow verified even though they are not mine. I am extremely confused and frustrated over this because my family and I are trying to buy a house and this situation is keeping us from being able to do so. I called all 3 companies again on XX/XX/22, asking how they somehow proved that these accounts were mine but they only told me to contact the creditors directly and that they couldnt do anything else to help me. I tried contacting all the creditors that were fraudulently reporting on the consumer file, and without any surprise they had no knowledge of me or the accounts either. I am not sure what else to do and after researching online I came across the CFPB website that some friends of mine told me would help me with my situation. I really hope this helps because my family and I desperately need this house we are trying to apply for.
Product: Credit card

I have been dealing with a PayPal credit charge. I returned an item and never got my refund from the seller. I have submitted a complaint through here already and they gave me very vague information and have not responded back to me since then. 

According to their terms of their purchase protection program, I was to : Have an account in good standing, which I did at the time of the dispute. 

Pay using PayPal, which I had done Attempt to resolve the issue with the seller, which I did Respond to PayPals requests for documentation, which I did Open a dispute, which was done multiple times Not have received a recovery or agree to an alternative, which I did not The phone number they passed on to me takes me directly to their debt collector who can't help me with my situation. 

When I call PayPals customer service, I can never get a hold of anyone who can give me a straight answer or pass me to someone higher up to help. 

The last thing I was told, other than my dispute being in the " incorrect category '', was that I wasn't eligible for a refund because I was communicating with the seller. I was told this over the phone by two associates who were helping me at the time. They had refunded my money and then taken it away multiple times and claim it's for the reason of having the communication they require me to have with the seller in their terms and conditions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX Filed on XX/XX/2018 Reference number : XXXX, has violated my right. 



15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy removal I have been disputing with XXXX and Experian about the information associated with my Bankruptcy Ch XXXX. Most recent disputes have been online as well as by phone XX/XX/XXXX/ XX/XX/XXXX and ongoing thruXX/XX/XXXX. The results have been the record has been updated but my dispute has been who furnished the information for the updated information? The US bankruptcy Court has notified me that the court does not furnish the record to credit agencies or third party agengies. I have ask for how and who verified the bankruptcy for accuracy but XXXX and Experian always reply with they verified through public record database provided by the court through XXXX or XXXX. Listed are the things that I have asked and begged for and they won't give the information to me. I recently sent a letter in writing asking for this information which I am entitled to after my original disputes my phone and online. 

( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute FCRA, Section 609 ( a  ) 2 ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

FCRA, Section 611, paragraph ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute. 

Adding the public record also lacks name, address, full SSN or date of birth which is a minimum requirement according to NCAP.
Product: Credit reporting or other personal consumer reports

RE : METHOD OF VERIFICATION/XXXX. 
TO WHOM IT MAY CONCERN, ON XX/XX/2023, I REQUESTED A COPY OF METHOD OF VERIFICATION DOCUMENTS FROM EXPERIAN CREDIT BUREAU TO VALIDATE DISPUTED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. IT HAS BEEN 47 DAYS SINCE MY LAST NOTICE OF THIS LETTER. EXPERIAN HAS NOT RESPONDED TO MY PREVIOUS REQUEST AND I HAVE BEEN IGNORED, YET AGAIN WITH THE SAME COMPREHENSIVE WRITTEN NOTICE OF WE TAKE DISPUTES SERIOUSLY AND IMPARTIALITY SERIOUSLY. NONE GIVEN. I DID NOT SENT IN ADDITIONAL INFORMATION TO EXPERIAN, IF I HAD DONE THAT, IT WOULD CONSTITUTE AN ADDITIONAL 30 DAYS. WHICH IS A VIOLATION OF MY STATE, AND FEDERAL CONSUMER LAW IN ACCORDANCE TO 15 USC 1681i AND 15 USC1692. I HAVE SENT IN THE PROPER IDENTIFICATION POSSIBLE TO EXPERIAN FOR ALLEGED DEBT. LIST OF DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN 'S FAILURE TO RESPOND TO MY REQUEST FOR VALIDATION IS A VIOLATION OF THE FDCPA AND FCRA LAWS AND MAY RESULT IN AN INVESTIGATION OF EXPERIAN BY THE FEDERAL TRADE COMMISSION AND ALL FEDERAL BUREAUS. ANY ATTEMPT TO COLLECT A DEBT WITHOUT PROPERLY VALIDATING WOULD BE A VIOLATION OF THE FDCPA AND STATE CONSUMER PROTECTION LAWS. SHOULD EXPERIAN CONTINUE TO ATTEMPT TO COLLECT THESE DEBTS, WITHOUT VALIDATION, I HAVE THE RIGHT TO SUE EXPERIAN IN SMALL CLAIMS COURT AND SUBJECT THEM TO A FINE OF {$1000.00} PER VIOLATION AS WELL AS MY ATTORNEY FEES AND COURT FEES AS DAMAGES. I WOULD LIKE TO REMIND EXPERIAN, THAT THEY ARE LEGALLY OBLIGATED NOT TO REPORT A DEBT THAT HAS NOT BEEN PROPERLY VALIDATED. I AM SURE THAT EXPERIAN WISH TO RESOLVE THIS MATTER AS QUICKLY AS POSSIBLE AND AVOID ANY UNNECESSARY COMPLICATIONS. SHOULD EXPERIAN FAIL TO RESPOND TO THIS LETTER WITHIN 15 DAYS, I WILL NOT HESITATE TO REPORT THESE VIOLATIONS TO MY STATE ATTORNEY GENERAL AND THE FEDERAL TRADE COMMISSION.