23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently announced item ( s ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly, if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile history by eradication and or removal from reporting the delinquently divulged..
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to furnish Previously Disputed US DEPARTMENT OF EDUCATION accounts # XXXX & XXXX which contains inaccurate non public personal information. They continue to neglect my attempts to Delete these adverse accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to fix an error with an account discharged in bankruptcy. The creditor is XXXX XXXX XXXX. The discharged debt is reported as an OPEN account on my credit report. As a result the discharged debt shows as an ACTIVE DELINQUENT account on my credit report. This is violation of the FCRA and federal bankruptcy laws. Transunion has also suspended my access to the dispute center so I can not add a note to the credit report explaining why it is inaccurate or open a new dispute with them. Customer service does not fix my access to the dispute center. I have access to all other Transunion account features ...
Product: Debt collection

All I want to say in this complaint is that Ford Motor Credit Company is in fact, acting against my consumer rights, and I want them to do the right thing. I have been damaged emotionally and financially because of their acts. 

The account involved is the following : Account # XXXX Date opened : XX/XX/2012 Original balance : {$28000.00} The reason why I state that this company has been acting against my rights is because they have been doing the following : - Reporting inconsistences across bureaus. 
- Failing to provide fair customer service. 
- Wrongful and dishonest practices. 
- Break of contract I will attache some documentation so you can send it to Ford. 

Thank you for the existence of this portal. I hope to get a fair solution to this matter soon. 

XXXX XXXX Best!
Product: Payday loan, title loan, or personal loan

Im sent this loan pre-qualification nonsense. All the while Im XXXX with this company and others. Having me waste my time and energy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from XXXX bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Mortgage

Good Morning, I sold my condo on XX/XX/2017. The title company submitted my property taxes as part of the closing. I have an acknowledgement from the City of XXXX XXXX that the funds were received. During this process my Mortgage company also submitted payment for the taxes from my escrow account. However, these funds were returned because the tax bill was paid. I have now contacted Mr. Cooper several times regarding where these funds are. I am receiving a different answer each time and am no closer to receiving a refund from my escrow account.
Product: Debt collection

I received a phone call from XXXX from a man claiming to be XXXX XXXX. He stated he is an attorney and that he visited both mine and my parents addresses looking for me today and provided my full social security number. He then stated I owed money to XXXX XXXX for an outstanding loan and that I was being sued for attempt to defraud a financial institution. He went on to say that I can forgo legal action if I pay {$1300.00} by phone at the time of the call or else, I am due in court tomorrow. He was extremely demanding and hostile. The entire interaction was forceful and abusive in an attempt to collect the funds by phone. I repeatedly asked for the name of the business where he is employed, and he would not provide a business name. I later called back from a blocked number and was able to obtain a business name of XXXX XXXX  XXXX. He proceeded to then call my mom with the same hostile, aggressive tone stating he was trying to reach me in regard to " my case '' and that he would be showing up to both of our houses and places of employment tomorrow. 

After the call, I contacted the originating lender. I was advised that I do have an outstanding loan but that their company does not contact customers by phone. They advised that my account has been transferred to a third-party company, XXXX XXXX. Neither XXXX XXXX XXXX nor XXXX XXXX have any affiliation with XXXX XXXX  XXXX.
Product: Checking or savings account

I have a personal Venmo account which I barely even use and when I do, I use it to pay back friends etc.. like EVERYONE! Venmo locked my account saying I'm in violation of their policy. Almost certainly a mistake on their end which is bad enough but what is unacceptable is I'm unable to speak with anyone about it at Venmo. Venmo 's response on a {$500.00} transaction that they declined ( said I cancelled but that is untrue ) is it may take up to 30 days to return the {$500.00} to my account. PLUS Venmo froze the additional funds I had previously transferred to Venmo from my back account holding these funds hostage without cause. The effect is Venmo has locked up {$1300.00} in funds on their mistakes with insufficient measures in place to address. Only response from Venmo beyond the above is they will contact me in 5-6 days additional business days ; meaning it could be as long 12 actual days before they even RESPOND!!! much less resolve. Venmo gets away with this because they hide behind one-sided arbitration clauses which hopefully will be illegal soon.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX / BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX, NC XXXX Account # XXXX and Account # XXXX and Account # XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX they responded on XX/XX/XXXX, Bank of America and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

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

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ; inquiry : XXXX Inquiry Date XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX. 

I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Proven time and time again, and XXXX XXXX, Trans Union, all agreed account with XXXX XXXX  was opened fraudulently!!!! Yet XXXX keeps it on my report lowering my scores due to the fact that if you look on my credit report. It shows deleted! Then put back on. I've disputed over 30 times due to XXXX false reporting. I've submitted written proof of this as well as paying {$170.00} debt the company keeps lieing about. Even though not mine. I only did on XXXX PROMISE THEY WOULD REMOVE ANT BOOST MY SCORE. I EVEN ADDED UTILITY BILL, RENT PAYMENT, NEW BANK ACCOUNT AND XXXX HAS STILL DONE NOTHING THEY PROMISED WOULD BE DONE, TO INCREASE MY SCORES. IF YOU WANT PROOF CALL ME SO WE CAN ARRANGE MY SENDING ALL DOCUMENTS CONFIRMING THIS IS TRUE AND CORRECT. XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Bank of the West states they will make over draft payments at their discretion. 
I am not signed up for overdraft because Bank of the West has charged XXXX a day and at their discretion will charge {$70.00} a day. 
I had an issue last year with a total of {$270.00} in fees. They refused to listen to my calls. I went into the branch and the manager refused to reverse charges.

I was told that they can list deposits and debit in the order they wanted on your account. 
I now have a XXXX  charge for XX/XX/XXXX and the XXXX  charge for the XXXX. In their writings they say that they wont charge XXXX  for five days yet now I have a charge for XXXX on two consecutive days. 
I have written to the bank and ask them to remove one of the charges and Im hoping theyre not going to add another charge today. I will not get any money into my account until the XXXX of the month. 
Bank Of The West abuses their overdraft charges.
Product: Debt collection

On XX/XX/XXXX I sent a U.S Certified mail to their place of business in an attempt to retrieve proper validation of said debt but have not received a response yet as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Reinvestigation Request for Incorrect Late Payment Reporting by Equifax Previous CFPB Complaint Number : XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to request a reinvestigation regarding my previous complaint against Equifax, referenced by CFPB complaint number XXXX. My original complaint highlighted an issue where Equifax has not updated a late payment for XXXXXXXX XXXX XXXX XXXX  XXXX  ) to current, despite it being shown as current on my Equifax credit report. Specifically, the late payment is incorrectly listed as XXXX late payments, 60 days late, and 30 days late for the same month. 

This discrepancy is not only detrimental to my financial health but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsections A-D. Equifax has verified the item without providing the detailed method and contacts used for verification, which is required under the FCRA. 

As per the FCRA, I am entitled to a clear and detailed explanation of how the information was verified. I am requesting the following : The specific methods used by Equifax to verify the disputed information. 
The full name of the person ( XXXX ) spoken to at the original credit grantor. 
The date of the commencement of delinquency. 
The specific date when this tradeline will be past the reporting timeframe. 
Equifax must provide this information within 15 days or remove the tradeline immediately. The previous investigation failed to address these requirements adequately, and I am seeking an immediate correction to the payment history on this account to reflect " PAID, NEVER LATE. '' Attached are all relevant proof documents from my Equifax account, which substantiate my claim. 

Thank you for your assistance in ensuring the accuracy of my credit report and protecting my rights under the FCRA.
Product: Mortgage

Dear Bayview I appreciate you assisting me with tax accessor office. Unfortunately the tax information is not corrected in tax accessor records therefore updating mailing address is impossible. 

It appears to be an attempt to steal my home. There is no record in XXXX XXXX XXXX ( called today ) file that anyone filed a claim or followed procedure regarding my Condominium Rider. 

I was in bankruptcy in 2009 when my address was added to a lawsuit I was not a party of. The court corrected/void documents which no longer affect title. 

As soon as another agency/third party completes investigation and confirm my ownership a new story or letters do starts all over again.
Product: Debt collection

This is an old credit card debt that was sold to this Company. The amount owed is wrong. The date it was taken out is wrong. No one informed me it was going back on my report after tbe original creditor was removed from..my reports. This account is closed yet this co..is reporting it to be an open account
Product: Money transfer, virtual currency, or money service

I am social security number XXXX receiving social security XXXX benefits under the United States of America social security administration since XX/XX/XXXX. 
The purpose of this complaint is report theft by Direct Express Payment Processing Services with advertising address of XXXX XXXX XXXX XXXX XXXX Texas XXXX in the months of XXXX to XXXX of year XXXX ( estimated {$1500.00} ).
Product: Credit card

I had been renting a vehicle from XXXX since XX/XX/XXXX. My last agreement was in XX/XX/XXXX to my recollection. Consistently during this period, I have found that the credit cards I used have acquired balances that I see as fraudulent. With each rental I made sure funds were available. The fact that the rental was approved was testament that funds were available. I was told by the credit card companies that when an authorization was approved that money was set aside for payment and could not be touched. I also received documentation from XXXX stating that the company retrieves the funds at the time of authorization and those funds can not be touched. However, after the end of the term of the rentals, deductions of the accrued amount have been withdrawn and this amount ( devoid of saved deductions ) are withdrawn from my account in entirety. In this discrepancy, Capital One ( XXXX ) is this offending Company. When I inquired to Capital One they suggested that XXXX was withholding the funds and their determination was appropriate until XXXX releases the funds. Inquiries to XXXX are described by the Company as the pattern of the Credit Card Company to not recognize deductions until a certain pay cycle. Thus, I have waited patiently for the responsible Company to comply with Just process. Based on my understanding, XXXX received funds on the date of authorization and Capital One should not be billing my account twice. It appears to me that the Credit Card Company ( or XXXX ) have billed me fraudulently since XX/XX/XXXX.
Product: Debt collection

I was contacted by XXXX XXXX, a debt relief company. They promised to negotiate with Navy Federal Credit Union on my behalf for the amount i owed on 2 credit cards with them. XXXX XXXX   told me to stop making payments to Navy Federal and start making payments to them while they work on my case. XXXX XXXX  told me that in order for their program to work, my accounts with Navy Federal needed to go into collections. After the accounts went to collections, XXXX XXXX  could then negotiate a lower amount i owe and get out of debt sooner. I recieved a summons to appear in court from Navy Federal for serious deliquency. XXXX XXXX then told my they couldn't help me and I then had to hire a bankruptcy lawyer to negotiate my accounts with Navy Federal.
Product: Credit card or prepaid card

On XX/XX/2022, I noticed an unauthorized charge of {$700.00} was charged to my Chime card. Once the charge indicated as " posted '', I immediately submitted a dispute for the charge. Within 15 minutes, I received an email back from the card company stating that they have concluded their investigation and the charge would not be reversed. I then asked for documentation that was used in their investigation in which I was never supplied.
Product: Credit reporting or other personal consumer reports

On my credit record is an erroneous foreclosure for a loan that does NOT belong to me. My XXXX XXXXXXXX took out a mortgage with a lender and after her death the paper was sold on that loan. While her estate was in litigation, I contacted the mortgage company advising them of XXXX XXXX and that the estate was in litigation. While going through the legal system, I told the mortgage company that I would have pay on the loan rather than allow it to go into foreclosure. Although I was under NO legal obligation to do so, I continued to pay on the loan. After XXXX of litigation with no resolution in sight, I could no longer justify paying on my mother 's loan. I notified the mortgage company that I would no longer make payments on the loan and foreclosure steps were initiated by the mortgage company. The estate was finally settled 3 years after her death when a buyer for the property was secured paying off the loan avoiding a foreclosure sheriff 's sale. My mother 's executor handled that transaction but my name was used to file a negative report with all of the credit bureaus. I have tried every avenue to have this negative report removed from my credit and all have failed.
Product: Credit reporting or other personal consumer reports

THE YEARS XXXX, XXXX, XXXX REPORTING IN CURRENT STATUS WHEN NO PAYMENTS ARE BEING MADE ON THIS ACCOUNT IN THE AMOUNT OF XXXX SHOWING ACCOUNT OPEN. ACCOUNT CLOSED XXXX. 

SENT IDENTITY THEFT FORM AND THE FEDERAL TRADE COMMISSION SUBMITTED IDENTITY THEFT FORM ALSO. 
EQUIFAX STILL DOESN'T REMOVE THE XXXX XXXX XXXX ACCOUNT FROM MY CREDIT REPORT. 

I HAVE ABOUT XXXX REQUESTS IN AND I KEEP GETTING LIED TO ABOUT THIS ACCOUNT. PLEASE CFPB TAKE ACTION THEY ARE PUTTING AND KEEPING FRAUDELENT INFORMATION ON MY CREDIT REPORT. 

EQUIFAX HAS XXXX TO 4 DAYS TO BLOCK THIS ACCOUNT OFF OF MY CREDIT REPORT AND REFUSES TO FOLLOW THE LAW OF THE FEDERAL TRADE COMMISSION. 

I KEEP GETTING TOLD DIFFERENT AND FALSE INFORMATION.
Product: Debt collection

The guy did not identify himself but as a legal issues. Started calling on XX/XX/XXXX.  Called several times and even called my minor son who is XXXX leaving harassing voice mails. When I had the chance to call back he was vary rude and used bad language for a professional and stated I waited to long to call back. I tried calling 3 days later and no recordings or answering system. Called next day and got him. He stated he could not accept me paying the bill in full in two weeks it had to be right this minute or he was turning me over to the courts and garnishing my wages or throwing me in jail. My husband called him and he did the same to him as well. Our bill was for XXXX and since I would not pay now then it would go to court and be over 1,500 with all of the fee 's involved. I mailed in a check for XXXX to the company they are getting the collections from and he said they would mail it back. He would not accept XXXX this week and the rest in 2 weeks. I contacted the company and they said they would cash it. Had to call XXXX XXXX to get the firms office to confirm the guy did work for them bc of how he went about it and how he threatens to do his collections. I have received no emails or mail just phone calls several times a day and rude voice mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I request immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX Balance : {$18000.00} - XXXX believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date.