23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) &  quot ; To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. & quot ; 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. & quot ; 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. 
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in  dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX XXXX and I am writing to demand the removal of an inaccurate collection from my consumer report and compensation for my time and effort in disputing it. The account in question is XXXX XXXX account # XXXXand its showing on my consumer report without my consent. I have no contract with XXXX and have given no consent for the to use my name, likeness or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires Credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section XXXX of the FCRA which states that any person who willfully fails 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 any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C. 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the reports relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under federal laws such as 18 U.S.C 1341 ( Mail fraud ) and 18 U.S.C 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my consumer report and also compensate me for my time and effort disputing it. Thank You for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I requested an early withdrawal from my American Express CD on XX/XX/2024. I called the XXXX number ( XXXX ) and was told to fill out and submit a form via the online document upload center. I was told the form processing time was 13 business days. I called back 4x to check receipt of the form, and was finally told everything was in good order. Online, the form showed 'account closure successfully received '. However, when I called to check when funds would be sent via EFT, I was put on hold, and told they never received the form. After 3 separate calls to AMEX XXXX customer service, and over 5 hours of time on hold and speaking with different agents with different levels of experience, I finally got through to a supervisor. After 45 minutes she finally told me that the online portal was not eligible for this type of document, that I had been given improper information by all prior agents, and I would need to re-submit the form via fax or email, and wait another 13 business days from date of document receipt, to process the form. 

I opened this CD 2 weeks prior to closure, and now will have to pay a 3 month grace period of back interest, and wait over 26 business days to process the form. I wasted over 5hrs of my time on hold with Amex customer service. I am a XXXX XXXX XXXX at another bank, and this is the most horrible customer service experience of my career in banking or as a bank/financial services customer. I have been an amex customer for over 20 years, and will be taking my credit and savings business elsewhere -- immediately. 

I have re-submitted the form via fax and regular mail, and will call back daily to confirm receipt and check on timeline to receive my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis was sent a letter on XX/XX/2019 requesting for both a copy of my report, and for LexisNexis to up date my information by deleting all incorrect information that may be on my report. 

Today is the XX/XX/XXXX, well over 30 days and I have been ignored. This is a violation! 

I need LexisNexis to provide me with my report and correct any information listed in the letter. I will reattach the letter. If I do not receive this information within 15 days, I will file a lawsuit.
Product: Credit reporting

The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. 

XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : INSTALLMENTSALES CONTRACTBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast PaymentMade:XXXXHigh Balance : $ XXXXPast Due : XXXX {$100.00} XXXX Pay Status : XXXX ; Charged Off & lt ; Terms : {$92.00} per month, paidMonthly for 16monthsDate Closed : XX/XX/XXXX & gt ; Maximum Delinquency of 120 days XXXX and in XXXX & lt ; Remarks : & gt ; UNPAID BALANCE CHARGED OFF & lt ; Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXRating N/R X X X X C/O X X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXRating X X X XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXRating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRating XXXX
Product: Student loan

XXXX XXXX XXXX sure me for a loan made to XXXX XXXX in XX/XX/XXXX. Never paid because of hardship. They sued me ins XX/XX/XXXX and never received paperwork about the validity of debt. I owe XXXX to fed gov aatudent loans and XXXX for the private. I cant afford it at all. I also have a XXXX XXXX and pre XXXX and not sure how much longer i can afford anything
Product: Checking or savings account

XX/XX/2023 Attention : Square XXXX Department & Customer Service : Square has misappropriated over {$20000.00} in my funds by locking my account XXXX and then refusing to further engage with me via my account service contact ( likely because it has been using a bot to respond rather than a person ). This is severely damaging my business, which relies upon access to those funds. Those funds are held in trust, and Square is both in breach of its contract and has committed unjust enrichment, as well as a failure to meet the duty of good faith and fair dealing. 

I am continuing to try and resolve this in good faith and through direct communication. Please have an account representative correct this matter promptly and restore my access. If an account representative is unable to act, please forward this to your legal department, as they should, at a minimum, recognize the wrongful conduct committed by Square and act promptly to avoid legal costs. 

My professional photography business, XXXX XXXX XXXX XXXX, operates seasonally. My business is licensed by the XXXX XXXX XXXX. I have been utilizing Square to receive payments for my photography services, and Square held a substantial balance of my funds as of XX/XX/2023. Without making any attempt to contact me about any concerns, Square suddenly deactivated my account. Square then claimed it did so because my account could not be verified, and refused to further engage with me. All while keeping all of my funds. This is significantly impacting my ability to operate my business and to pay contractors for their services. 

Either this is a simple mistake that has not been brought to the attention of the right people, or a deliberate policy of theft. Based on a cursory review of online complaints, many others have been forced to deal with the same issue. If this is a deliberate policy action, it may be that a class action is the only recourse to obtaining justice for both myself and to ensure that others like me dont have to suffer the same issue. But I do hope this is just an oversight and not a policy issue, and that it is resolved promptly and fairly once this notice has your attention. 

Please release the amount of {$20000.00} from my account. You may contact me at XXXX or by phone at XXXX. This is my final attempt to resolve this through direct discussion. I hope you act accordingly. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Bank of America has decimated against me and accused me of authorizing transactions i have not made. I had three charges posted on my account by XXXX XXXX from XXXX totaling {$1500.00}. 

I disputed the transactions on XX/XX/XXXX and was told on XX/XX/XXXX, the claim was declined because I utilized mobile banking during that time and it is my responsibility to review each transaction each time I login. 

I stated I have never reviewed each transaction in the past and due to my work schedule I hadnt had time to review in detail. The associate opened the claim and said with the additional provided information it should be resolved soon but they did have up to 45 days. I provided the police report number from a burglary that occurred in XXXX. This gave insight to my laptop and XXXX  being stolen. I was not able am to file an additional police report as I have had XXXX 

I have called several times inquiring on my claim and was told there was an investigation being conducted, I would receive additional documents to support their decision. 

My claim was declined again on Monday, XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and was told the investigator closed the claim because he felt I made the transactions. I asked for additional time information and documentation to support this decision to proceed with the steps to seek assistance with identity theft. The supervisor stated there was no documentation as the investigator made this decision on his gut feeling and noting more.
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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Removal of Inaccurate Late Payments Under the Fair Credit Reporting Act To whom it may concern, I am writing to dispute the accuracy of late payments listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The information being reported is either incorrect or can not be verified and, as such, must be promptly investigated and corrected or removed. 

Account Details : Creditor : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Under FCRA 611, I am entitled to dispute any information on my credit report that is incomplete, inaccurate, or unverifiable. After reviewing my records, I believe the reporting of these late payments is either a result of an error or does not meet the accuracy and verification standards required by law. 

I request that you investigate this matter with the creditor and provide me with a written response detailing the results of your investigation. If the creditor can not verify the late payments with complete accuracy, I respectfully ask that you remove these entries from my credit report. 

To assist with your investigation, I have enclosed the following documents : A copy of my identification ( driver 's license or state ID ) Proof of address ( utility bill or bank statement ) Please be advised that the FCRA requires you to complete this investigation within 30 days of receipt of my dispute. If the investigation finds that the information can not be verified, I expect these late payments to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide me with the outcome of your investigation. 

Sincerely, XXXX XXXX
Product: Mortgage

This is property is located in a disaster-impacted area : XXXX XXXX, Texas XXXX ( Hurrican Harvey ) please revise modification to reflect see complaint XXXX loan # XXXX
Product: Payday loan

I borrowed {$700.00} and am attempting to make arrangement with the lender. However the lender insists on charging me 400 % interest and applying all payments to interest first. This is completely usurious and unconchionable. The contract should be void as a matter of public policy.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the below. Please remove all my credit immediately. 

XXXX XXXX file CONSUMER XXXX XXXX - ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX- ( inquiry ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX inquiry ) XX/XX/XXXX XXXX XXXX XXXX XXXX - ( inquiry ) XX/XX/XXXX Experian credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - ( inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inquiry ) XX/XX/XXXX PLEASE REMOVE IMMEDIATELY!!!
Product: Checking or savings account

Within the last year I opened an account with Chime to allow me to send money to one of my children who does not have access to a regular bank. I did not use account very much. I recently received an insurance settlement check, which was deposited in to my XXXX checking account. On XX/XX/2023 I transferred a large amount from my XXXX account to my Chime account. Chime held the funds for a week. At the end of the week I attempted to send money to my child to his Chime account. In the Chime app I was notified that due to unusual activity limits were placed on my account until I verified myself, proof of where I acquired the money. 
I struggled to use the app, as it kept crashing, and the links sent for me to use did not work. Emails sent to Chime support, using the address they provided did not work and were returned. I tried calling Chime suppprt and could only reach individuals who could /would not offer explanation or solution, only repeatedly stating things not in question. 
A tech savy person figured out why links were not working and I was finally able to send information Chime asked for. I sent a written explanation of where the money originated from. Isent a selfie with my face, and me holding my driver 's license and social security card, a copy of social security card, letter from insurance company showing settlement and the amount of my deposit, bank statements from XXXX showing deposit of said settlement, bank statement from XXXX showing transfer of money to Chime. Chime still will not remove restrictions from my account and asks for more proof. What elsc couldnI have to provide to access my money.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. And I would like to have the negative information deleted. I'm reaching out to you to help me get this information deleted because XXXX is doing nothing.
Product: Debt collection

Called harassing me at work when I am not allowed to receive personal calls at work. I've never heard from this Company or received any messages from them on my cell phone, email or mail. Asked XXXX at ext XXXX to remove my work number from her file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with XXXX and LCI since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. 
LCI and XXXX both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. 
When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is LCI. 
When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. 
Most recently both XXXX and LCI both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. 
However LCI and XXXX both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. XXXX further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. 
LCI has lost several lawsuits recently for these practices I've mentioned. XXXX and LCI must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.