23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, I tried to make an online purchase of {$2.00} on XXXX XXXX and received a message stating that my zip code was inaccurate. I had already changed my address in person at the Bank of America on XXXX and XXXX in XXXX, OK over 3 weeks ago, so I should not be getting this message. I actually went into the bank twice. However, when I actually went into the XXXX restaurant to make the purchase, there was no problem processing a transaction of approx {$5.00}. Then on today XX/XX/2022, I saw the {$2.00} charge pending. By this time, I had already paid for it. So now, because of BOA tampering with my account, I have been charged {$2.00} twice. 
And I did not receive my XXXX rewards for this purchase because BOA did this behind the scenes. = I feel harassed and discriminated against by Bank of America.
Product: Credit reporting or other personal consumer reports

I have approved for burrowers defense case. I have been approved to have all my loans discharged. ED FINANCIAL SERVICES sent me a letter XX/XX/2023. Verifying all my student loans have been discharged. In the letter they indicated they need 60-90 days to delete ALL STUDENT LOANS FROM ALL XXXX CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL XXXX CREDIT REPORTS. XXXX LOANS NEED TO BE DELETED FROM MY CREDIT FILES.
Product: Credit reporting or other personal consumer reports

Sent in contract assignment validation letters with no response in return
Product: Vehicle loan or lease

This is in reference to complaint ID XXXX. The documents provided by the company do not have my signature. I did not sign any documentation agreeing to this loan. They also provided documents showing I have not signed a limited power of attorney.
Product: Money transfer, virtual currency, or money service

I got a text from robinhood saying my account was restricted and under review and I didnt violate any of it rules and regulations then later I got another email saying my account was XXXX and it been almost a month and I havent gotten a refund from robinhood yet all attempt to reach robinhood hasnt been successful.
Product: Vehicle loan or lease

Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting of my auto loan account # XXXX on my credit report. My vehicle was repossessed and subsequently sold at auction, yet your company continues to report the full balance of the loan instead of the correct deficiency balance, if any. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information furnished to the credit reporting agencies be complete and accurate.

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of credit information is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is submitted, you are required to investigate and correct any inaccuracies in a timely manner. Since the vehicle was sold at auction, the full original balance should no longer be reported, and I demand immediate correction of this error.

To support my dispute, I have enclosed the following : A copy of my credit report showing the inaccurate balance Any relevant repossession or auction sale documentation ( if available ) I request that you investigate this matter and update my credit report to accurately reflect the actual deficiency balance, if any. If I do not receive confirmation of this correction within 30 days, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of the FCRA. 

Please provide me with written confirmation of the updated and corrected balance as soon as possible. I can be reached at [ Your Phone Number ] or [ Your Email Address ] if additional information is needed. 

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

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. This is the 2nd time that I have reported these inaccurate accounts with the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A i have the right to privacy.

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 instruction.
Product: Credit card or prepaid card

On a visit to XXXX, XXXX, ATM machine did not dispense the amount of {$200.00} XXXX Dollars ( = {$150.00} USD ). For this reason, I decided to file a complaint with the credit card company FNBO. Upon receiving response from the bank in question claiming that ATM machine was working as it should, FNBO refused to proceed with my dispute further and advised me to contact the bank involved directly. When I requested the contact information of this Bank/Merchant, random numbers and non working numbers were provided by FNBO who took the situation lightly completely ignoring the fact that I am being charged for a transaction that I did not receive any benefit from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting or other personal consumer reports

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. 

Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( XXXX ) 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, 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. Experian 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 XXXX 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 XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are 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 UPDATE 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I do hope your company can help me. I'm pretty new to this credit thing but I had researched several sites and watched several videos about things reporting on credit. I noticed that there are several accounts that are very old that I was under the impression they were suppose to be removed now because they are past the statue of limitations. I did dispute directly with the bureaus and several are still listed it just doesn't appear that they are doing what they are suppose to do so I thought I would ask for your assistance with the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX these are all showing past the statue so I don't understand why they would still be listed. Can you please help me?
Product: Credit card or prepaid card

Fraudulent Charges first appeared the statement I received for XXXX XXXX. I contacted the Barclay Fraud number and was told it would be investigated, which would take about 30 days. I was also told to destroy my cards, and contact any institution that I had on automatic payment set up for as the number will change. A new card would be sent in 3-5 business days. I never received these cards. I received acknowledgement that an investigation was open and I would received the results in a letter dated XXXX XXXX was in I received a letter from Barclay stating the {$1600.00} in dispute was ruled in my favor and the account was closed. No charges were made on this account as I had neither received a new card and the automatic payment had been canceled. I confirmed with Wyndham that the XXXX payment had not been made and I would have delinquency payment. I settle that with another card and set up automatic payments using a different card company. 

I received a letter from Barclays on XX/XX/XXXX, confirming that the amount in dispute that I was not responsible. My statement for XXXX XXXX had additional fraudulent charges from the XXXX NY. The previous fraudulent charges were showing the same address. I again contacted Barclays and explain to them that I had not received the cards, My account was suppose to be closed on XX/XX/XXXX but charges were made and accepted by Barclay on XXXX XXXX. I clearly stated to the agent that the account was to be closed and no more trans action would be authorized by me. 
Barclays opened another Investigation. Received a letter confirming the account was indeed closed and an investigation initiated. Letter from Barclay confirmed I was not responsible for the fraudulent transaction. The XXXX statement XX/XX/XXXX showed a balanced forwarded of {$380.00}. I called and followed up with a registered letter return Receipt on XX/XX/XXXX to Manager of the Fraud Department, I received the return receipt but no one at Barclays signed for it. The letter outlined all the actions since XXXX to get this resolved. I requested certain actions be taken along with an internal investigation as to how the new cards could be sent to one place but the billing address was correct. 

A store credit card company advised me that my credit score was lowered. I looked and saw it was due to an adverse report by Barclays. I called to talk to a supervisor and was refused to be connected to one. Thus this complaint as I have received only a negative response to my letter.
Product: Debt collection

On XX/XX/XXXX, I pulled my credit file and XXXX XXXX reporting inaccurate information. On XX/XX/XXXX, I mailed a Cease and Desist and Validation letter. I mailed a second Cease and Desist and Validation letter on XX/XX/XXXX to To date, XXXX XXXX has not responded to my letter to provide all documentary evidence to prove I owe the debt. They continue to communicate with me via the Credit Reporting Agencies and by mail.
Product: Debt collection

My information was involved in identity theft years ago, btw XXXX and beyond where my name was used to open different accounts and even obtain credit cards, and went on shopping to different departmental stores and other vendors. some of them that show up earlier on has been removed from my credit report, but lately I found out that portfolio recovery services has send my information to court and judgement obtained seeking to recover a sum of {$2900.00} plus interest. I have informed them that this is fraud and should have not gone to the court to begin with. They claimed that they were awarded that judgement against me b/c of failure to appear. I informed them that it was not my account. I asked them What was purchase and they said it looks like laptop or desk top computer, and that they don't have much details since it has been old and from an online bank. 

Right now I have contacted the court to look into the matter but was also informed to report the fraud with this platform. I need the judgement dismissed immediately, and my name cleared.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute Regarding Late Payment under the CARES Act Dear Sir or Madam, I am writing to file a formal complaint regarding a late payment on my account with XXXX XXXX. This charge was applied during the COVID-19 pandemic, and I believe it should be removed under the protections established by the CARES Act. 

Description of the Situation : Lender Name : Account Number : XXXX Date of Late Charge : XX/XX/XXXX Amount of Charge:XXXX Reasons for the Dispute : The CARES Act provides protections for consumers facing financial difficulties due to the pandemic. In my case, This happened to me in the middle of the pandemic. Unfortunately, I couldn't work several times. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As soon as I managed to get a job, I was able to continue paying the loan. 
Given that this situation is covered by the CARES Act, I request that the late payment charge be reviewed and removed from my account. 



Thank you for your attention to this matter, and I look forward to your prompt response. 

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

In my credit report CAPITALONE ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security Breach of personal information which puts my financial future at risk for the rest of my life. 
Equifax negligently provided my personal information to outside parties without my knowledge or consent and provided all my pertinent and personal information in such form and as complete as to ensure that I will have to deal with the results of their neglect and improper handling of my financial information and identifying information for the rest of my life. 
EQUIFAX has NOT provided proper notification of the security breach. 
EQUIFAX has suggested they will provide a 12 month monitoring service for my credit. 
The remedy suggested by EQUIFAX is INSUFFICIENT to  mitigate the considerable on-going life-long risk of damage to my personal finances, business opportunity and reputation. 
EQUIFAX MUST NOT BE ALLOWED TO RETAIN ANY INFORMATION ABOUT ME OR MY FINANCES IN ANY WAY SHAPE OR FORM AND MUST PURGE ALL INFORMATION ABOUT ME FROM THEIR SYSTEMS IN A WAY WHICH IS NOT RECOVERABLE AND SAFELY PREVENTS ANY FUTURE ACCESS BY EQUIFAX THEIR AGENTS OR EMPLOYEES IN PERPETUITY. 
Further, I should NOT experience any penalty or discrimination as a result of refusing to allow EQUIFAX to handle any information relating to me or my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My medical bill was paid in full in XXXX 2015. The doctors office did not report it as paid and it is still being reported on my credit. I am fed up and want some sort of legal recourse.
Product: Credit reporting or other personal consumer reports

I am writing in regards to a recent notification on my credit report. The information reported are erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect.XXXX XXXX XXXX XXXXXXXX Balance : {$280000.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a twin sister who's name is XXXX XXXX XXXX. Our birth dates are the same and social security numbers are 2 digits different. Her negative items reflect on my credit along with her accounts simply because our information is similar. 

When her credit is ran it pulls mine also. Same as when mine is ran it pulls hers. Our credits are linked some how because of the credit bureaus
Product: Credit reporting or other personal consumer reports

I was applying for a Capital One credit card. I read that just to see if Im preapproved. It will not affect my credit score as soon as I applied and the turnaround was for XXXX points loss off my credit score
Product: Debt collection

XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

We are trying to get a refinanced mortgage, our rate is currently 5.25 % with XXXX XXXX. In the beginning of XX/XX/XXXX, XXXX XXXX from XXXX called us to see if we wanted a lower rate. We decided to check with other banks. Midwest Loan Services had our other mortgage prior to this house, so we called them.We talked to XXXX XXXX and went through the entire process, locked in rate of 3.125 % on XX/XX/XXXX. We received updated rate lock & good faith estimate on XX/XX/XXXX. On XX/XX/XXXX we received Approval with conditions form. On XX/XX/XXXX we were notified via email by Midwest that the Completed Appraisal report was received. On the same day we also received an updated GFE & truth in lending report. On XX/XX/XXXX we received an email stating that the property was not acceptable as collateral per XXXX guidelines as it is a manufactured home. Back in XXXX when we first started this process, we check with someone at Midwest in the department that handles manufactured homes and what is needed for it to be considered eligible property and we had everything that they stated and what is written in their website. 
Since this has happened the rates have risen a lot and that means $ XXXX of dollars and extra years of mortgage payments. We do n't fall under the HARP or other home preservation program that we are aware of because it was built in XX/XX/XXXX. 
My main issue is that Midwest stated on both their website and on the phone that they service manufactured homes yet after the entire process they inform us that they do not give mortgages for manufactured homes. We would n't have wasted XXXX months and all the hours of paperwork if we would have known this in the first place. We would have just refinanced with XXXX XXXX. Thank You