23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On or about XXXX/XXXX/16 my father instructed and provided his girlfriend with account information to send a quick pay to my account in the amount of {$2000.00}. At this time my father was alive and well, during the course of day on or about XXXX/XXXX/16 my father was murdered which was unknown to myself or the girlfriend. The quick pay was sent at some point on or about XXXX/XXXX/16 my grandfather became upset that he wasnt listed as a beneficiary and decided to make a fraud claim without in basis. The bank than proceeded to close accounts and send my father funds via XXXX. According to the bank on XXXX/XXXX/16 I went to provide death certificates and request rights of survivor-ship and beneficiary information my account was being frozen until the fraud department was finished with an investigation. On or about XXXX I went in back to withdraw funds from direct deposit from my employer and child support when I was notified by a teller that all my funds had been sent back, the remaining funds were sent via mail in form of check on XXXX/XXXX/16 to address on file. As of XXXX/XXXX/16, none of the funds have been received and my employer has stated that no notification of returned funds has been received. I have called the customer care and executive office for assistance regarding how Chase JP Morgan has mishandled my funds and account. Chase bank has not provided any instruction on how to handle an account in the event of a death, or rules that states you cant provide another person access to account if the customer wishes engage in such practice. Launching a fraud case without all the facts is bad business practices and causes a disruption in an situation that has no intention of anyone involved committing fraud.
Product: Credit card or prepaid card

Tried using XXXX XXXX XXXX XXXX card for the first time, it was declined 5 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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. I respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.
Product: Debt collection

This debt is from a company I've never did business with called NCA. I asked them to validate the debt and not just prove that it my debt but also prove that they own it. They have done neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant against company the name as Early Warning service   office locator in the state of XXXX az. base the information that receiver from bank XXXX.the consumer agency that no bank report to then. base of the fact submit to me through document that I receiver from the bank there information was inaccurately. it stated that I have number returned item from number bank. which was find to untrue. that was an indiction that occur back on XX/XX/2019 where the court put a hold on my and my wife account for XXXX. XXXX which in fact was correct in about 60 day. in XX/XX/2019 notify me about this information through a request. from early warning just send a statement along from XXXX XXXX that I had negative item in my file. this was on XXXX XXXX once I receiver this information I contact the bank. XXXX XXXX. XXXX XXXX XXXX XXXX. we spoke to XXXX   XXXX XXXX XXXX and all these bank stated to me that never submit any neg information about your back account. and that they only report to XXXX XXXX for some one abuse of any check account. Early warning service LLC has being suite once before. about this type of practice in the past. and that not what I want to do I just want it clear up soon.. there was only one report by XXXX XXXX base on the court action that took place in XXXX. which in fact we settle dose issue. and it was base on the fact of the court order. the court close the account not Mr. XXXX and you has that evidence in your file. it was not like I just abuse any account in the past, this information was report to CFPB for investigation and all the bank response back with this information no bad account as to Mr. XXXX check account so therefore early warning service LLC. need to delete those neg information about this indiction. because XXXX XXXX dose not have any bad information went it come to Mr. XXXX. check or deposit account.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year>, we were pre prequalified for a loan. We thought prequalified meant qualified and no other need other than income and identity was required. Yet, once shown interest in the loan we were asked for this information : So far, we've received : Authorization to Release Proof of full coverage Ins. - insurance declaration page Proof of full coverage Ins. - {$1000.00} max deductible Paystub Paystub Paystub Paystub Paystub Paystub Photo ID - Back in Color Photo ID - Back in Color Photo ID - Front in Color Photo ID - Front in Color Social Sec Number Verification - SOCIAL SEC CARD-FRONT Social Sec Number Verification - SOCIAL SEC CARD-BACK Tax Return - SOCIAL SECURITY CARD-FRONT Title application : all pages, dates and signatures - CAR DOCUMENT Utility Bill - PROOF OF ADDRESS Vehicle Registration Vehicle Title - VEHICLE TITLE Vehicle Title - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Back ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Driver Sd ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Front ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Odometer ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Pass Side ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( VIN ) - CAR DOCUMENTS AND PICTURES Here 's what you need to send us : Social Sec Number Verification - SOCIAL SEC CARD-FRONT So far , we've received : Authorization to Release Paystub Paystub Photo ID - Back in Color Photo ID - Front in Color Utility Bill - PROOF OF ADDRESS Here 's what you need to send us : Photo ID - Back in Color Photo ID - Front in Color After giving this information the loan company kept asking for more personal PPI that is never required for a title loan! This violated our consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter for verification and inaccurate info on my credit report for account # XXXX XX/XX/XXXX To Experian Credit Bureau on XX/XX/2020. Experian received the certified letter on XX/XX/2020. 60 days past by and I never received a response back from them until XX/XX/2020 with no verification or info accuracy. The response time for investigation is 30days even with the extra days for covid this still was a violation of section 611 ( a ). Failure to investigate in 30days is an immediate removal from credit report. I demand that acct XXXXXX/XX/XXXX be removed from my credit report. This was a violation of my rights! I have uploaded receipt and letters to validate my complaint.Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was in bankruptcy until XX/XX/2018. Selene finance said that 3 payment were late not true and in XXXX of this years they said XXXX payment was late also not true. Need this investigation fone one this company bad business
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my ongoing efforts to correct inaccurate personal information with the credit bureaus, which has significantly hindered my ability to verify my identity for important purposes, such as applying for XXXX benefits. Details of my complaint are as follows : I have contacted the credit bureaus on multiple occasions, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting the correction of my personal information to the following : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Employers : Requesting removal of employer information Despite allowing more than enough time for updates and providing all necessary documentation, I have received only auto-generated responses stating that my identity can not be verified. This ongoing issue has significantly hindered my ability to pursue XXXX benefits, as the accuracy of my personal information can not be verified due to the credit bureaus failure to update their records accordingly. I can provide documentation showing that I have requested an update, if necessary, as well as supporting documentation to verify my correct personal information. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure that the credit bureaus accurately reflect my personal information in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

XXXX I had discovered I had identity theft on my checking-saving accounts.The total amount was XXXX same day I notified Wells Fargo claims XXXX XXXX XXXXThe claims XXXX advised me to close XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about C.C. XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXX want proof how am I suppose to provide proof when info was stolen... XXXX is not secure as the world is finding out. XXXX sent me an application for a mediator I received a call on XX/XX/year>. Telling me they are not able to help me wrong department. Why send me an application? Giving me the runaround. I have contacted the FTC, CFPB, XXXX, XXXX, FBI, and local media. As of XXXX funds are not recovered.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected. 
Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Payday loan, title loan, or personal loan

I got the loan in XX/XX/XXXX was supposed to make first payment in. XX/XX/XXXX i got in a car wreck hirt my back and was out of work for a while. I talked with them in XX/XX/XXXX told them i would pay as soon as i got my taxes. Then they started harrassing me day and night everyday at home at work. I work nights so they would call my work at XXXX at night. My charge nurses would tell them to stop calling i would tell them to stop. XXXX store manger would be rude and tell me if i answered my phone when he called he wouldnt call my work rude and hateful. I work nights so when he would call at XXXX in the afternoon thats one in the morning to me. I sent two cease and desist emails to tower loans telling them to stop harrassment at my job they continued. I told XXXX again to stop he continued and was very rude. In the middle of all this i was behind for being off from the wreck and had to pay to get my car fixed so i was behind in everything he wouldnt help. Then covid hit and i got covid was out for a month. No i am even further behind. I have a family of XXXX i have to take care off rent over XXXX and all utilitys. So of course i cant pay. Now they are sueing me ok i get it. Itstead off getting my new address they are harassing me at work again after almost getting me fired the first time. They are having me served at work, sending papers to my work. They are ganna get me fired then no one will get money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. Despite my previous contact with Equifax on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - This account does not belong to me, and I request its immediate removal from my credit report. 
XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX  ) - I have no association with this account, and I request its prompt removal from my credit report. 
COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX XXXX - This account is not mine, and I request its expeditious removal from my credit report. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX XXXX  - I am not responsible for this account, and I request its immediate removal from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I placed an order with Amazon, Order # XXXX in which I ordered XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ). 

Both were to be shipped and received by me on XX/XX/XXXX. I received XXXX of these monitors on this date but the second one was lost in transit. Amazon refuses to replace the lost monitor and ship the new monitor in a timely manner. Instead they told me to wait until XX/XX/XXXX to see if the lost monitor arrives. This is totally unacceptable. 

This monitors were purchased on a load agreement through Amazon 's website with Synchrony, and I was charged a total of {$470.00} plus an additional {$52.00} in interest of which my first payment is due on the XXXX, yet I do not have both products I purchased. I DO NOT WANT A REFUND as I do not what to then have to repurchase the item again, through another loan request and it will ding my credit again and drop my score. 

Amazon, needs to replace the lost monitor immediately.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXXXX/XX/XXXXXXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XX/XX/XXXXXXXX XXXX XXXX {$45000.00} Account XXXX Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXXXX/XX/XXXXXXXX XXXX, XXXX {$40000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXXXXXX XXXX Account # XXXX with the balance of {$4800.00} ( XX/XX/2022 ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.