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

Despite all of my previous written requests ( with tracking through Certified Mail ) for Experian to provide me with the physical documents, the name of the person in their company who verified that disputed accounts are accurate and belong in my file, and what documentation did they use to verify that these accounts are accurate and belong in my file, Experian ignored my rights and instead told me that they 're labeling my dispute as Frivolous. 

Frivolous is defined as, having no sound basis, or lacking in seriousness. However, I can assure you that the laws defined in the FCRA are of sound basis and should be taken very seriously. 

Experian 's actions clearly demonstrate that they are in violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and Experian 's responses to them. 

XXXX Law Dictionary, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

Experian 's written response states that Experian has reinvestigated these accounts, and verified them as being accurate, however, it is obvious that Experian has not verified any disputed account physically, as requested because Experian has n't provided any such documentation from the Creditor maintaining the account with Experian. 

All Experian has done is relayed electronic information given to them by other sources, and now Experian is attempting to shift the burden back to me to prove that the reported items on the disputed accounts listed in my dispute letters are not valid, which is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA. 

I am drawing the conclusion, based on these stated facts that Experian does n't have any proof on file to verify that these accounts belong on my file. 

When we go to litigation Experian will be required to produce the documents they used to verify these items through the discovery process, and since Experian does n't have any documents in their files verifying that these items are valid, then that will be proof that Experian did not properly verify the accounts, and they will have to be deleted and I will be entitled to monetary damages for defamation of character. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to promptly DELETE all information which can not be verified. These laws are very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 of the FCRA ) if Experian fails to comply with Federal Law.
Product: Credit reporting 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. Act Name : XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Experian notified me via email that my dispute was completed and the companys response was verified and validated. I asked for the items used to validate date and they told me that they do not have to provide proof regardless of the rules of the FCRA. And if the company says its mines then its mine. I believe the company never verified or validated this debt as they just updated.
Product: Money transfer, virtual currency, or money service

I went to TD Bank where my U.S. checking account is and wired two international transfers to the XXXX XXXX in the XXXX XXXX XXXX. This was on XXXX XXXX, 2017. One amount was for {$10000.00} U.S. and the other was for  {$1500.00}. Both were for my father 's medical care. Neither amount arrived. I was told it would take 3-5 days. On XXXX XXXX, I called the branch and was told to wait until Friday XXXX. On Friday XXXX I was told to wait until Mon XXXX. I went into the bank on Tuesday XXXX and was told they would look into it and call me back. On Tuesday XXXX XXXX I went back in and sat for an hour while an assistant manger was on hold with the wire transfer dept. At this time I was also informed by another asst. manager that she usually tells her clients there is no guarantee the funds will arrive and that means I have lost them. I reminded her she was the one who authorized the transfer after her assistant had typed it up and she had not mentioned this before. I asked for my money back and she said she would take over and contact the wire dept to do a trace. She did not call me back so I called her, she had not been able to contact the wire dept by phone as they were busy. I asked her to cancel the transfer and refund my money. She said she could not as the wire dept were doing a trace and I she would call me back the next day. I ended up calling her back on Fri XXXX and she said it would take a few days to find out where the money had gone, but knew the request had been received by XXXX XXXX - the Intermediary Bank. Today, Monday XXXX XXXX, I could not reach her. I could not get a corporate number from the website so I called customer service and they could not give me a number to their headquarters either. I finally called another larger branch of TD and spoke to an assistant manger who said she would look into it. The money left my account on XXXX XXXX and no one informed me it had not arrived, I found that out when my father 's bill was n't paid. I contacted XXXX XXXX XXXX and was transferred to XXXX XXXX who informed me the funds had not arrived and the only thing I could do was trace it from this end. Which I 've been asking them to do. What do I do next. This is a lot of money and my father 's XXXX XXXX needs to be paid. How can TD Bank tell me I may not be able to recover my money? Please help me. They also took the Wire Authorization Form from me in order to investigate so I can only attach the letter of notification of the Outgoing Wire Transfer which came in the mail.
Product: Debt collection

Sent a letter to XXXX XXXX XXXX by email and BBB regarding a medical debt that is showing on my credit report. I requested that the company validate the debt ; instead, they sent me documents request that I provide them with information to request documentation for a medical debt they are trying to collect on me. I notified XXXX the rep that the debt did not belong to me and I requested that she provide me with information to validate this debt. No information has been provided. The medical debt needs to be removed from my credit report by the collection company mentioned and stop all collection attempts. I have uploaded the email that was sent to the manager at the collection company XXXX.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$51000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : ALLY FINANCIAL XXXX
Product: Debt collection

I verified my information with them last week ( Thursday XX/XX/XXXX ) and told them that the account would be paid this week. They acknowledged all of this. They then called a relative to try to find me even though they already knew my information and I had verified it with them. Since they already had this information, verified by me, they had no right to do this, and I consider it harassment, and it is specifically in violation of the Fair Credit Reporting Act to contact a relative for any reason other than the already confirmed information. 

On top of that, and the main reason I am filing this as a complaint, is that the calls came today ( Wednesday XX/XX/XXXX ), after I used their online portal to schedule an online payment for Friday XX/XX/XXXX for the full amount of the debt yesterday ( XX/XX/XXXX ) as agreed upon with them previously, so they are harassing me for a debt that has already been settled, again, in violation of the fair credit reporting act. 

Attached is the email confirmation of the payment, along with the call logs from my relative 's phone dated after the scheduled payment acknowledgement.
Product: Mortgage

Good afternoon! I would like to file a harrasment and discrimination complaint. 
Last Tuesday I filed a complaint for SPS, inc, their representatives/relationship managers ( rel m, ), and their employer, XXXX XXXX. We were having a hard time receiving an answer for a short pay off offer we made a month ago. Today, for the first time in all this time I 've been trying to reach her with no luck, I receive a phone call from my assigned relationship manager, the one I never found every single time I called. Saying the offer was denied by the owner of the property ( XXXX XXXX ). I was shocked and asked why so soon, last Monday they said it was going to take a week ; what hapenned? She said that owners said NO. I asked her a couple of things, because I was told by one of the rel. m before, that in case our offer was n't accepted they will suggest what they thought was a reasonable amount for us to consider as a better pay off and I was ok with that because at the time we only had a specific amount, not more. So we were preparing even for that. I kept asking why if I was told at first that our case goes directly to a specific Collateral file team Department, why after that, it was also sent to owners? She said the SPS team had the case almost for approval but their boss wanted to show it to XXXX XXXX for them to decide, and because we stood by our only one offer and not more, they said no inmediately, and wanted the house to go on with foreclosure. SPS, inc analized the case and was about to give us ok to go on with the deal, but received a NO from the owner XXXX XXXX, ( I do n't even want to think was because of our complaint, they prefered not to help ). She even said that it was true, sometimes XXXX XXXX and other employers, come forward with a higher amount, and takes them a couple of days to decide, but this was a No at first. We would definitely like a reconsideration and hope they are not receiving offers from others to buy the property at a better price. That 's harrasment, not giving us opportunity after all we 've been thru.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX XXXX XXXX NUMEROUS OF TIMES in demand to remove a inaccurate late payment that is on my credit report on XX/XX/2019 30 days late. I've been making on time payments and payment history is exceptional with this company. When I contacted XXXX XXXX XXXX XXXX XXXX XXXX they told me to get in touch with the bureaus to get the inaccuracy removed and that they didn't have any control on reporting. I then contacted Transunion, XXXX and XXXX on behalf of the inaccuracy and when I looked on my reports it is still on there. 

I've been denied for numerous of loans and credit card application because of this false inaccuracy on my credit reports and this is NOT FAIR!! I shouldn't be denied because of this because this was a mistake that XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have a attorney on this case and will take legal action if this is not resolved asap. 

Please have the inaccurate late remark that is reported on XX/XX/2019 removed ASAP. This is my official written complaint.
Product: Debt collection

A third-party collection agency, TransWorld Systems , is reporting a collection account allegedly linked to XXXX XXXX on my credit report. I have no debt or financial obligation with this collection agency. I formally disputed this account via XXXX XXXX and XXXX, but it remains on my credit file without proper validation. I have requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and have not received any supporting documentation. The continued reporting of this unverifiable debt violates my rights under the FDCPA and Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from all credit reports. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XXXX I had a problem with Bank of America after they spent several months processing the short sale of my home and telling me it was all set to close in the next month, then they told me they had in fact been processing the whole thing in the wrong department. I was not late on my mortgage ever. However, due to them causing a delay, my buyer backed out and we had to wait several more months to sell our home at short sale. At that point I could no longer continue to pay the mortgage since we had moved from XXXX to XXXX. I had the Attorney General office in XXXX involved. Bank of America said that they would report my credit as " sold for less than full amount '' but NOT show any late payments on the account since they had caused the problem. Then, in XXXX, when trying to purchase a new home, I discovered that they were reporting some late payments, which were from XXXX to XX/XX/XXXX. I contacted them and they sent me back a letter dated XX/XX/XXXX stating that they were notifying the 3 major credit bureaus to update my credit report to " not rated for the period of XX/XX/XXXX to to XX/XX/XXXX ''. Then, in XXXX, when checking my credit report on a random basis, I found that Bank of America once again had my credit report showing " 120 days late ''. I contacted them again and they sent a letter, dated XX/XX/XXXX, that they submitted the corrections to all 3 credit bureaus to remove the comment about 120 days late. 
I found out in XXXX of this year that this was back on my credit report again. I notified all three credit bureaus and sent a copy of the letter from XX/XX/XXXX. XXXX and XXXX promptly corrected the report. I checked my spouses and none of his have this on there, even though he was a co-signer. I have tried to get this corrected with XXXX for the past month and each time they investigate they state that they verified it with Bank of America. I have provided XXXX with the letter of XXXX and today I sent them another request to investigate this and sent a copy of both letters from Bank of America. Last week on XX/XX/XXXX I also contacted Bank of America. This entire credit line is due to come off my credit in one more year. However, I would like it to be corrected and to stay that way for the remainder of time it is on there. This makes a total of 3 times that I have found it wrong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian recently sent me an email stating that they could not process my dispute and I needed to provide some additional proof of my identification? I have been disputing accounts with Experian for MONTHS and just now receive correspondence of them saying they haven't even done any work? I have seriously erroneous items on my credit that must be fixed! I was under the impression work was being done despite me not being notified because I am aware that covid is causing some delay but I have disputing items since XXXX! I seriously need things removed to move forward with my home buying process.
Product: Mortgage

XXXX XXXXAccount XXXXChaseXXXX XXXX Ohio XXXXJust received another telephone call today that was rude, arrogant and very antagonistic. I 'm told by Customer Service folks that the telephone call was from your default section of Chase. 

You have been told to stop these antagonizing telephone calls and correspondence with this threat. You continue to ignore my instructions to stop. Once again these calls and letters with this threat must stop. 

On hold for XXXX minutes so far today and still your representatives lie and tell me there is a law that requires them to make this threat. Left message for XXXX XXXX ( sp ) for a call back. Betcha it wo n't happen. Talked to a XXXX XXXX ( sp ) and he refused to forward the call to his supervisor after repeated requests. 

XXXX XXXX tells me that he is calling in the loan. Well now, just how do you think you 're gon na do that? THE LOAN IS CURRENT! IT HAS NEVER BEEN LATE! 
Told him to send that to me in writing ; he refused. 

This situation is intolerable and must stop.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to which your company stated that you could not verify the account with the information provided. According to the FCRA, this is a violation and grounds for removal. Your company also asked to provide the account listed on my credit report. I have attached the account in question. Your company should have record of all accounts being furnished to the CRA 's. You are reporting inaccurate information, and I am requesting the removal of this account from my credit report immediately. The location of the specific branch is XXXX Tx. However, if I have to take this to small claims court, I will be suing the company as a whole.
Product: Credit card

American Express cancelled my account after having it open for almost 1 years with flawless operation and funding on my part, I made XXXX ach transfers from my bank, and after the XXXX XXXX failed for XXXX on XXXX XXXX, I contacted the bank to advise them that the XXXX XXXX for XXXX would fail, I asked them to cancel the transcation knowing that it would fail and they said they would not or could not. The transaction failed because of a mistaken hold my other bank had on my saving account that restricted both incoming deposits and ACH debits, I was not notified of this hold by my other bank XXXX want the account to be reactivated and all my records and " bill pay " history to be made available to me. American Express and their offshore call center tell me all the info is never accesable to me again because this is or was an " online Account '' I want my account reopened I have all my direct deposits paychecks ( XXXX ) being deposited directly and this will cause my money which I will have received this week to be blocked. 

I did nothing wrong other than a mistake and advised them right away and was assured that my account was in good standing and that I had handled it properly in light of the circumstances. 

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

I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX   XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.
Product: Checking or savings account

I am filing a complaint against Capital One concerning deceptive practices related to their 360 high-yield interest savings accounts. Capital One misrepresented the 360 Savings account by promoting it as offering one of the nations highest interest rates while failing to inform account holders about the significantly better rates available through the 360 Performance Savings account. This lack of transparency and deliberate withholding of information has undermined consumer trust, caused financial harm to account holders, and constitutes a violation of the Consumer Financial Protection Act and the Truth in Savings Act. I am seeking redress for these misleading practices and the failure to act in good faith.