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

I have 2 separate incidents. Both involving Experian. 1st incident I applied for a credit card and was denied. On the denial form the credit card company stated that they used my Experian credit score to make their decision, and the credit score they were provided by Experian was an inaccurate experian credit score. The score they provided was a XXXX and listed as my Experian credit score, which was actually a XXXX, so they reported a inaccurate credit score XXXX less than my true experian credit score. They provided a lower inaccurate credit score and that lower score caused me to be denied credit from capital one.Then the 2nd incident I applied for a auto refinance and was denied. The reason for denial was that they said I had a credit freeze, which is not true. So now I'm stuck with 2 hard inquiries. Also on the auto refinance the website states there wouldn't be a hard inquiry since they just needed basic info to connect me to a lender, yet they did a hard inquiry anyways. I would've never submitted my info if I knew they would do a hard inquiry. On my credit report that inquiry that i did not approve is listed as XXXX. The other incident is listed as XXXX XXXX on my credit report. I contacted experian and told them the information they provided to XXXX  XXXX was inaccurate which resulted in me being denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I was at XXXX  XXXX  inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX and XXXX Dispute Departments, I am writing to formally dispute the following inaccurate accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX Upon reviewing my recent credit reports, I have identified inaccuracies and reporting errors related to these accounts that violate provisions of the Fair Credit Reporting Act ( FCRA ). Specifically : Failure to Report Accurate Information ( 15 U.S.C. 1681e ( b ) ) : Both XXXX and XXXX are required to maintain accurate credit reporting. The errors associated with these accounts are causing substantial harm to my creditworthiness. 

Failure to Conduct a Timely Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : The FCRA mandates that a reinvestigation of disputed information be completed within 30 days of receipt of the dispute. However, due to recent findings and lawsuits highlighting systemic reporting failures, I am requesting immediate attention to this matter.

Obligation to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681c ) : If you can not verify the accuracy of the disputed information within 5 business days of this notice, you are legally required to permanently remove it from my credit report. 

In light of the recent lawsuit regarding widespread mishandling of consumer data by XXXX and XXXX, I am requesting immediate corrective action. The severity of these legal findings underscores a pattern of negligence that directly affects me as a consumer. 

To resolve this issue, I demand the immediate and permanent deletion of the accounts listed above from my credit report within five ( 5 ) business days of receiving this notice. Please provide written confirmation once the deletion is complete.

Failure to comply with this request will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I also reserve the right to pursue legal action to protect my rights under the FCRA. 

Please send your response and confirmation to the address or email listed above. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

After XXXX complaints to you, I received a letter stating that US Bank would have a decision/approval for the short sale by XXXX. It is now XXXX and the file has n't even been reviewed by a negotiator. My XXXX lien approval expires XXXX and I needed my approval from US Bank by XXXX in order to close on time. I have left numerous messages for supervisors and have had NO return call or email.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, CPS has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, CPS you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to XXXX, XXXX. Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputed a negative account with Experian. This account was previously removed from my credit under a different collection company. Another collection company added it back to my credit and asked Experian to disputed it again and Experian is now saying they have proof the account belongs to me. The collection is from XXXX XXXX XXXX a company I never have done business with and it was taken in XXXX  a Estate I have never even visited. 

Collection was previously deleted In XX/XX/year> under a different XXXX XXXX named XXXXXXXX XXXX XXXX  The Collection came back under XXXX XXXX XXXX for the same amount of {$1400.00}, they added it back to my credit in XXXXXXXX XXXX XXXX 

The collection was Originated by XXXX XXXX XXXX which is the same originator of the collection when it was removed in XXXXXXXX XXXX XXXX. They keep on moving this collections around and the credit company Experian allows them to go back on my credit even when it was already removed by Experian a few months earlier.
Product: Money transfer, virtual currency, or money service

To whom it may concern.

I had two money orders that were purchased on 4/21/ 2016. At the date of purchase, the teller at TD bank guaranteed me that they did not expire. As long as I didn't lose them, I could deposit them whenever I needed. I put them away for emergency. 
On XX/XX/XXXX I wrote one of the money orders out to my friend to deposit at her bank because i owed her money Her bank said they could not deposit it because they needed the bank it was purchased at to reissue it. 
On XX/XX/XXXX I took the two money orders back to TD bank to get them reissued. Instead of reissuing them, the teller deposited them and said to see what happened since after 3 years they get stale dated. On XX/XX/XXXX the money was deposited into my account and showed on my available balance. I also deposited XXXX $ at the ATM into my savings, while i was waiting for the money orders to go tnrough. After the money was authorized and available into my account, I then transferred XXXX $ of the money order into my savings because the minimum they require is XXXX XXXX On XX/XX/XXXX after the money was authorized, they just took the money out and charged me two XXXX $ transfer fees. Prior to this, no one from TD bank told me that after 3 years money orders get stale dated and goes to the state. Also, nowhere on the money order does it state any date of expiration. I dont understand why they would deposit the money orders, authorize the money into my account, then 3 days later return the money and charge me a transfer fee. This has been a very stressful ordeal and it seems like TD isn't helping me or being clear about where my money is and what two do. It even says on their website that money orders do not expire. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX XXXX and Equifax to reinvestigate these accounts. 
XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open dates, date of last activity and much more is incorrect. According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an 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 crime which, from date of disposition, release, or parole, antedate the report by more than seven years. The Bureaus are not in compliance with metro 2 credit reporting. I also have the evidence to prove my case.
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 t
he 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.
Product: Mortgage

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX advising me that, " we have not received the XX/XX/2021 payment. '' " Failure to remit the payment ... could result in late fee assessment. '' On XX/XX/XXXX, US Bank sent an email from XXXX stating the same. I responded with a screenshot of my US Bank account showing that AutoPay is ON. 

On XX/XX/XXXX, I discovered that XXXX is not monitored by humans. I emailed the following US Bank humans for assistance : XXXX XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX of Loyalty ; and XXXX XXXX, XXXX Customer Experience. 

On XX/XX/XXXX, I have received no response. I advised XXXX, XXXX, and XXXX that due to their inaction, I would feature them in this CFPB complaint.
Product: Mortgage

My bank has withdrwan money from my escrow account to pay for insurance, even though I already have adequate insurance on my property, and I have repeatedly provided proof of my own insurance coverage to the bank. 

Despite three ( 3 ) written requests, and numerous phone calls, my bank has not restored or returned the {$990.00} they wrongly took from my account. 

Bank Name : Axos Bank Loan # XXXX Bank address : Axos Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NV XXXX Please assist Thanks XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( 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 ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute 3 times for Experian to verify this account for accuracy and even have a pending complaint the CFPB but the account came back verfiied 2-3 days after the complaint submitted but not showing updated w/ the CFPB .. Experian did not look into my dispute nothing Per the FCRA i have the right to complete investigation and Experian did not do that The following account was charged on XX/XX/XXXX but Experian continues to report charge off every month which this is an update on my payment history from my understanding a charge off account is a dead account and should not have a active payment history Experian has failed to fix this issue " per there response This item remained unchanged from our processing of your dispute in XX/XX/XXXX "
Product: Debt collection

Prior to XX/XX/XXXX XXXX sent me a letter saying that I owed them {$100.00} for failing to return equipment. When I called them, they stated that they never got any shipments through XXXX from me. They insisted that I go to my car to find proof that I shipped it. I called them back and got another operator, this one actually said YES, I did send both packages back to them, but I did not include one item so they are billing me for that one item. 

I told them that I did indeed send it to them, and they said that they needed someone else to call me back. I waited, no call back, then. On XX/XX/XXXX, I got a collection notice from Stark. I responded via email to them on XX/XX/XXXX disputing this debt and asked them to provide proof that I did not ship the item in question back. I got no response from them. 

Now today XX/XX/24, I got another very generic email from Stark, again stating that I owe them {$100.00}. I replied again today, asking for the proof again, and this time I copied XXXX XXXX XXXX XXXX on my response, I also let them know I would be filing a complaint here, with you. 

XXXX has ignored me other than demand money, Stark has ignored me other than to demand money and I do not know how to get someone to respond to me. I no longer trust verbal communication with XXXX, I will only correspond with them in writing.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing this complaint personally. Upon reviewing my credit record, I found late payments listed. Despite sending letters more than 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly ask for your help in resolving this issue.
Product: Vehicle loan or lease

NOTICE TO CURE XXXX XXXX XXXX A Notice of liability was sent in good faith.This matter is willful INTENT, tort. Two affiliates XXXX XXXX XXXX XXXX and JP MORGAN CHASE & CO.UNJUST ENRICHMENT SUFFERING FROM MANY DAMAGES.THIS HAS TO BE SOME FORM OF CONSPIRACY /RICO KNOWING THE FINANCIAL ASSET WAS NOT ISSUED TO THE ESTATE IN FULL.TRADE MARK INFRINGEMENT HAS OCCURRED UNDER THIS ALLEGED CONTRACT ON MULTIPLE DOCUMENTS.IF MY DEMAND HAS NOT BEEN CURED. IF NO REMEDY SET FORTH WITHIN FIVE BUSINESS DAYS OF THIS NOTICE. RELEASE UCC 1 LIEN G.S.A FORMS RELEASE OF TITLE.THE {$100000.00} US DOLLARS, DEMANDED FROM FRAUD ALLEGED CONTRACT. IF FAILED TO RESPOND ATTORNEY AND COURT CASE WILL BE FILED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting this fraudulent account to my credit file without my consent Ive asked Experian to provide me with improper documentation verifying that this account belong to me which in fact it doesnt. I would like for Experian to provide me with a signed contract and a copy of my signature on a XXXX XXXX contract. Ive asked Experian repeatedly and still no proof but they are still reporting this account to my credit file. This is my last chance asking them you can not just report something that fraudulent or inaccurate to anyones credit file. The Consumer Financial Protection bureau is ware now so Ill have proper documentation showing I asked for proof and if not provided and if this account stay on my credit file with Experian I have the right to file a law suit against Experian