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

Experian Deleted  XXXX   XXXX  from my report other than reporting all payments made on time. Experian refused to put in righting why it was deleted. I talked to multiple representatives and was treated with disrespect. I asked for management staff and was given a number of someone and left message and di not get a returned call. I do not remember who it has been a while. I had to take a break from this as it has been to much   XXXX   trying to deal with a system that is geared towards protecting companies other than consumers. More so if you fall into l ow credit score. I ha ve never had to deal with this and now see how our current is geared toward keeping low score people enslaved and abused. I have a  XXXX  I have made it clear to EVERYONE and it falls on deaf hears. I feel as if everyone would rather I follow through with my   XXXX   XXXX  .
Product: Money transfer, virtual currency, or money service

For over a week, I have been trying to remove the bank account associated with and close my PayPal account. When I try to do so ( via 'close account ' link ), however, the page goes blank and am referred to customer service. I've reported the issue to the company, but so far they haven't addressed.
Product: Credit reporting or other personal consumer reports

I am writing to respond to a recent credit report, I have not been provided with any documentation or evidence to support the said claims. I request that you dismiss all of the claims against me and remove all injurious reporting against me. If the reported item or items are potentially lacking in the mandatory documentation evidence of physically verifiable factual proof that the claim is true, the reporting is true, the claim is accurate, the reporting is correct, the claim is complete, the item is full, the claim is timely, the item is accurate, the item is timely, the person responsible for the claim is responsible for the claim, the item is true, the item is correct, the item is complete, the person who reported the item is responsible, the item is in compliance with the Metro 2 format and/or complete and perfect. I demand that you demonstrate to me that you have the legal authority to conduct business with a contesting consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX  - XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX - XXXX {$130.00} XXXX XXXX - XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not have a wellsfargo checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX ca XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the continued reporting of the above-referenced account, which has already been deleted by XXXX and XXXX. Enclosed, you will find proof of these deletions. The fact that [ Credit Bureau Name ] continues to report this account despite its removal from other major credit bureaus is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and constitutes willful noncompliance under 15 U.S.C. 1681n.

Legal Violations & Case Law Supporting My Dispute 1. Failure to Maintain Accurate and Consistent Credit Reporting The FCRA 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

Bryant v. TRW , Inc., 689 F.2d 72 ( 6th Cir. 1982 ) established that credit bureaus may be held liable for failing to update or remove inaccurate information. 



2. Failure to Verify the Accuracy of the Disputed Account The continued reporting of an account that XXXX and XXXX have already determined to be unverifiable and removed suggests that [ Credit Bureau Name ] is failing to conduct proper data validation. 

Richardson v. Equifax Credit Info. Servs., 2005 WL 1457994 ( E.D . Pa. 2005 ) ruled that if one credit bureau deletes an account, other bureaus must conduct an independent assessment instead of solely relying on furnishers. 

Sepulvado v. CSC Credit Servs., Inc. , 158 F.3d 890 ( 5th Cir. 1998 ) further confirmed that credit bureaus can not blindly rely on furnishers without ensuring the accuracy of reported data. 



3. Willful Noncompliance with FCRA Legal Liability Under 15 U.S.C. 1681n, credit bureaus are liable for willful violations of the FCRA, including knowingly reporting inaccurate information. 

Cortez v. TransUnion, LLC, 617 F.3d 688 ( 3d Cir. 2010 ) determined that credit bureaus may be held liable for failing to correct errors after being provided clear evidence of inaccuracies. 

Since XXXX and XXXX have already determined this account should be deleted, your continued reporting demonstrates reckless disregard for my consumer rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted .I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 violates the Consumer Financial Protection Act ( CFRA ). 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681.

Account # XXXX**** has violates my rights.

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a payment for Kohls XXXX in XXXX. I have been with them for over 10 years and have never missed before. My parents both came down with XXXX after XXXX and my father ended up in the hospital for almost two weeks battling the virus. Obviously the last thing I was thinking about was my Kohls payment. I sent the company an email explaining what happened and their response was late fees removed so they did not even read the letter. I've since called and they say they can not remove it under any circumstance. To make things worse we were in the process of buying a house and now that late payment may very well ruin the whole deal. Couple years back a Kohls employee stole my card and charged merchandise on it and I forgave them but now what should be a very simple fix has left me discouraged in people. I also understand there is a cares act just for this so I'm hoping for some help in a very simple matter esspecially with the impact of covid-19 and what I was going through.
Product: Debt collection

Illegal Debt Collection Practices : Despite my formal request for debt validation XXXXolumbia Debt Collection has continued to attempt to collect an alleged debt without providing the neccessary validation as required by Fair Debt Collection Practices Act ( FDCPA ), specifically violation 1692g and 1692e. Columbia Debt Collection been using my Trademarked name, XXXX XXXX XXXX without authorization. This constitutes trademark infringement under federal and state laws. I am seeking an immediate cessation of all unauthorized use of my trademark name, termination of all illegal debt collection activites and confirmation of compliance with legal requirements.
Product: Checking or savings account

Money was transferred from our account using an unauthorized XXXX app, which we do not have, to person that we do not know. It is clearly a foreign name. Six transactions occurred in 39 minutes. One {$5.00} transaction and five {$99.00} transactions. I saw the transactions and reported them to Wells Fargo within 24 hours, stating that I did not make these transactions. They immediately shut down our account. They said they would investigate these transactions and let us know if they felt they were fraudulent or not. 

My husband and I are XXXX and XXXX years old. We basically use this Wells Fargo account for monthly drafts. We don't even know what a XXXX app is! We have our life insurance, long term care policy, and supplemental insurance drafted from this account. It is so evident to see that this is fraud. 

These transactions occurred on XX/XX/2021. On XX/XX/2021, we received a letter from Wells Fargo stating that they had completed their investigation, and that they found we made the transactions. We are in disbelief. Wells Fargo has done nothing to protect us.
Product: Checking or savings account

On XX/XX/2023, Moneylion closed my Roarmoney checking account. I have been unable to log in ever since. On XX/XX/XXXX, Moneylion took money out of my main bank account for the active credit builder loan I have with moneylion. Once again, I can't log in or access any of my accounts now. I emailed customer service. Today they emailed me and said account was closed for suspicious activity. I do not have any " suspicious activity ''. I barely use the accounts except to pay the loan and occasionally invest or get a cash advance. I don't understand why I have been a customer for years and my accounts were closed with no notice for " suspicious activity '' and no explanation was given. I am still getting charged membership fees, loan payments and I can't access my investment account or access instacash advances. Moneylion is charging me for services that they will not let me use because they closed the Roarmoney checking account. I have repaid many loans over the years and they abruptly closed my account and will not restore my accounts or let me log in. Calling and emailing customer service does not help, they will not explain anything or help in any way.
Product: Debt collection

XXXX  XXXX XXXX have not validate the alleged debt. 
Did not provide HIPPA signed document. 
Sold unvalidated debt to the other collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach a live person to speak to at experian credit reporting agency. The only number I have to contact them is XXXX. A recording keeps coming on asking to push 1 for fraud information and 2 to order your credit report. It is impossible to speak with someone. I have disputed in writing several times incorrect information on my experian credit report. I can't even get online to submit a dispute. I have a report number but the website won't allow me on. I have disputed an account ( XXXX XXXX XXXX XXXX XXXX ) that is showing as negative on my report. This information is INCORRECT. I've had several combined loans years ago with XXXX XXXX XXXX XXXX XXXX and have paid the balance in full. It's reporting as a write off which is completely wrong. Having this wrong information is hurting my credit score. XXXX  has deleted the account I do not understand why experian and XXXX are still reporting this. I contacted XXXX  and was told they received there response to the investigation and it will be deleted off my credit report. The same response should have been received to experian and XXXX as well. Another account I have is XXXX XXXX dept store. It is showing as a late payment back from XXXX. This is also incorrect! I have never been late in paying XXXX again XXXX  has corrected it but experian just keeps updating the same information. The last one is XXXX XXXX XXXX. There are fraudulant charges on that account from XXXX. My credit score is being affected due to wrong information reporting. I am submitting this complaint because experian doesn't care to take the time for the consumer and do a true investagation. My credit is most important to me and I am aggravated that you can't even speak to a live person to dispute these accounts again. I also have disputed them as I mentioned earlier in writing several times. One time they gave me a wrong PO Box number and my letter was returned to me.