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

Subject : Dispute of Inaccurate Information on XXXX, ChexSystems, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, ChexSystems, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigatio
n of the disputed information in my XXXX, ChexSystems, and XXXX report. Specifically, I ask that : XXXX. XXXX, ChexSystems, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, ChexSystems, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, ChexSystems, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account :
Product: Credit reporting or other personal consumer reports

I HAVE BEEN DEALING WITH THIS ISSUE SINCE XXXX OF XXXX AND THIS ISSUE HAS STILL NOT BEEN RESOLVED. THE ACCOUNTS THAT ARE REPORTING ON MY CREDIT FILE DO NOT BELONG TO ME AT ALL AND MUST BE REMOVED ASAP BECAUS EYOU ALL ARE BREAKING THE LAW! PER 15 USC 1681B YOU CAN NOT FURNISH FALSE INFORMATION ESPECIALLY IF THE INFORMATION IS INCORRECT. I NEED THOSE ACCOUNTS GONE I DID NOT AUTHORIZE THOSE. THET WERE THE CASE OF IDENTITY XXXX
Product: Payday loan

I took a loan for XXXX with this company called Big PIC loans. I knew the interest was high however, I did not know that I would be paying this much. I already paid them XXXX in XXXX biweekly payments. When I reviewed my future payments I have payments scheduled payments through XXXX 2017 for XXXX on an XXXX loan. I made a big mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times about information they are reporting on my report. I sent in my photo ID with the correct spelling of my name and correct mailing address but they refuse to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/13 Balance : {$27000.00}.
Product: Debt collection

I am only XXXX days late with my payment. I pay XXXX for my car and I was called stating if I did not pay today, they were reposessing my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. XXXX XXXX XXXX  left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from XXXX admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. XXXX home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they XXXX XXXX XXXX XXXX are now also reporting to my credit as a new foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX XXXX Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX DOE to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX DOE in XXXX. I never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX XXXX too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects XXXX XXXX XXXX history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by XXXX. It has costed me in XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXs, additional inquiries searching for a flexible lender, and has unnecessarily XXXX XXXX XXXX XXXX.
Product: Mortgage

I have a fixed rate mortgage with Northern Trust. The escrow amount had gone up and I havent gotten around to handling the small extra escrow amount, but the full amount of my principal and interest was paid in a timely manner to Northern Trust. Its on auto pay from my bank. They have reported my XXXX payment as over XXXX  days late. That is not accurate. They received my payment more than sufficient to cover the principal and interest and yet they have reported my account to the credit bureaus and caused my credit score to decrease by XXXX points. They did the same thing last year. This should be illegal. I am not late on my mortgage and interest payment. It was paid in full. I am late on the escrow payment which is a very minor amount. It is dishonest to say I am late on my mortgage and interest payment. I am not. They should not be allowed to do this. I want them to remove the derogatory reports from my credit. I am current on my mortgage, unless they have not applied my principal and interest payment which was sent by my credit union to my them. My credit took a hit last year when they did the same thing. I have held that mortgage for XXXX  years and have not missed any payments- except during the pandemic. They are being dishonest and nasty. Specifically a XXXX XXXX.
Product: Money transfers

On XXXX XXXX, 2016 at XXXX I sent over money to XXXX . I called Western Union and they put me on hold for a half an hour. I spoke with a representative explaining my problem and he told me that I had to speak with someone else. I was then put on hold for another 20 minutes. Finally I was able to get through to someone and the then stated that I needed to be interviewed. I said that was fine, and answered all questions that were asked. They stated everything was all set, but in reality the money is still on hold with Western Union! 
I called yesterday, XXXX XXXX, 2016 and again had to wait 20 minutes on hold, had to be re-interviewed with the same questions I had answered already the prior week. Today is XXXX XXXX, 2016 and the money still has not been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the first verified letter disputing information on my report. The request was accepted. 

On XX/XX/XXXX, I sent my second letter asking for a method of verification. The letter had the same document form the previously accepted letter. This time, I was sent a letter saying they thought I was a third party ( it says that I am sending this on my own ), I spoke with Transunion on the phone. They stated they could not tell my why this happened. They would start a new dispute instead of the dispute received on the XXXX of XXXX.
Product: Vehicle loan or lease

Prior to my lease ending I contacted Ally Financial about purchasing my vehicle. They gave me a rate of 11.25 %. I decided to pursue another avenue of obtaining a loan. My lease expired XX/XX/XXXX. I contacted them on XX/XX/XXXX to have a letter faxed to the XXXX XXXX I was using. I made several phone calls to obtain this letter and it wasnt ever received. Then on XX/XX/XXXX they faxed a payoff letter with a payoff date of XX/XX/XXXX. The bank is unable to use this letter. Today is XX/XX/XXXX and still havent faxed an updated payoff letter. They advised me they were charging me {$56.00} a day every day past XX/XX/XXXX or XXXX. Ive been hung up on, Ive been lied to and I feel XXXX being gouged purposely. I spoke with them again today and the only thing they claim can be done is it will be up to XXXX hours before letter can be faxed. I asked for it to be expedited and they cant do that they say. What more can be done??
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX XXXX. Despite multiple requests for correction, dated XX/XX/year> and XX/XX/year>, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payment : Account Number : XXXX Account Type : Installment ( Lease ) Account Status : Closed Balance : {$0.00} High Credit : {$12000.00} Payment Status : 60 Days Late Reported Late Payment : XX/XX/year> Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/year> is inaccurate and has not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment indicates a failure to comply with this requirement, undermining consumer rights to accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/year> from my credit report. 
Written confirmation from TransUnion that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 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: Money transfer, virtual currency, or money service

I set up a wire transfer with Wise.com. They took {$25000.00} from my bank account on XXXX XXXX and another {$26.00} on XXXX XXXX but till today I have not seen a dime in my Wise account. I emailed several times on XXXX XXXX but they only sent boilerplate instructions that do not match their website. My last email got no response. This bank has been holding my {$25000.00} for over a month and no word of making my money available for me to use. No one responded back to my last email in XXXX and calling is just a long wait. 

This bank is illegally profiting off of customer 's transfer and holding the money for an unreasonable amount of time ( 35 days ) when it should be available within one business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and ID card for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Bank account or service

I had a checking and savings account with Bank of America. Both accounts were transferred to Bank of the Cascades automatically, without my doing anything, early in 2016, when XXXX took over some Bank of America accounts. The checking and savings accounts I had with Bank of America were free - NO FEES because I had a combined balance of over ten thousand dollars. But my the last Bank of America statement, just before the balances were transferred to the XXXX XXXX, Bank of America took {$10.00} from my savings and transferred {$42.00} instead of {$52.00}. I called Bank of America in XXXX 2016 to ask why, and during that call it was agreed the {$10.00} fee should not have been taken out and they would send me a check for {$10.00} to my mailing address - a PO box . They said the check should arrive by the first week in XXXX, by about XX/XX/XXXX16. It never came. So today XX/XX/XXXX16 I called XXXX to see if maybe it was sent to them or transferred into my account - it was not. I asked them to tell me who to call at Bank of America about this. They told me to call XXXX. I did, and a very snippy woman named XXXX said she sees the request on record for the {$10.00} to be sent to me but it was not sent to me because the bank employee who requested it did not have authorization to do it. She said only members of the " Transition Team '' can place those requests and she said the bank employee who made the request to send me my refund check " was not a member of the Transition team and never has been '' and she went on to try to chastise ME for not putting my request in with the right person. Keep in mind this woman can clearly see into my account history and she can see the issue was reported, that the money was taken and due to be refunded, but her only concern was to tell me I was at fault for not speaking to the right person in the right department. I told her if they would not send me a check I 'd report this issue for investigation with federal agencies, and her reply was to say, sure you can do that if you want - instead of offering to help me or instead of offering to correct the problem and sent me the {$10.00} check. Her attitude was that I put in my request for a refund with the wrong department so it 's my fault I did n't get the check and she had little more to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.