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

Please be advised that this is my third writing request and final warning. 

I also intend to pursue litigation in accordance with the FCRA to inforce my rights and to seek relief and recover all potential monetary damage that I may entitled to under section 616 and section 617 regarding your continued wrongful and negligent non compliance.

Despite my numous dispute letters the unverified items listed below still remain on my credit report in violation of federal law You states in your response to my numous letters that you have verified that the listed items are mine but you failed to send me documents that you use to verify these accounts ad per my request and my legal right.

The simple fact that you have ignored my request to send me documents that you use to verify dispute accounts is EVIDENCE you can not and did not verify accounts disputed.Your failure to delete the disputed account in question that you can not verify after numous letters is also evidence of your willful disregard of federal law Upon entering litigation, and through the discovery process you will be required to produce these documents along with a affidavit swearing under oath that these are true and correct documents that you use to verify the dispute accounts at the time of my request The fact that you don't have any of the said documents in your files is proof that you did not properly verify the within 30 days as required by and the court will order you to delete them.

You said that you have reinvestigate, and /or verified these accounts, but in your inability to provide physical proof you are and have admitted that all you have done is parroted information given to you by other also unknown as creditors, and attempt to put the burden back on me, and me to contact the creditors to verify accounts this type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) FCRA REMOVE ACCOUNTS XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXXXXXX {$8700.00} XXXX XXXX XXXXXXXX XXXX  {$1400.00} XXXX XXXX XXXX$2800.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of EXPERIAN COMPLAINT # XXXX and XXXX COMPLAINT XXXX XXXX regarding BLOCKING OF IDENTITY THEFT ACCTS. On XX/XX/XXXX EXPERIAN SENT ME THE FOLLOWING MESSAGE : ... '' However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years ''. I HAVE ATTEMPTED TO UPLOAD THE ABOVE REFERENCED ITEMS MANY TIMES ONLY TO BE REJECTED BY THEIR SYSTEM. I SENT ALL OF THE ITEMS VIA MAIL- THEY HAVE NOT BEEN ACKNOWLEDGED AS RECEIVED. ATTACHED ARE ALL OF THE REQUESTED DOCS FOR BLOCKING OF IDENTITY THEFT ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report, as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or made in my name as a result of the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Opened : XXXX, Balance : {$27000.00} 2. XXXX XXXX Account Number : XXXX, Opened : 03/01/2018, Balance : {$0.00} Inquiries to Be Removed : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Venmo suspended my account asking for verification of my identity. I sent my ID on XX/XX/2023 and was advised my account would be available again within three business days. It is now XX/XX/2023 and Venmo has now advised me that it will be 7-10 business days to review my account. I am a low income single parent in XXXX XXXX. I need that money to pay for food and transportation for myself and my child. Venmo refuses to escalate this matter which has put me in a terrible predicament. I dont have any money for food.
Product: Checking or savings account

My wallet was stole and my debit card was used on XX/XX/XXXX shortly after XXXX at 2 different gas stations XXXX XXXX for {$60.00} and XXXX XXXX for {$9.00}. 

I filed a claim with Citizens bank and they denied the fraud report, I have a police report and have video/picture proof that my debit card was used by the individual who stole it.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed an unauthorized inquiry from XXXX XXXX of XXXX on XXXX/XXXX/222. I never gave this company written or verbal permission to access my credit.
Product: Mortgage

LoanCare, or XXXX ( whichever name they are using at the moment ) is making it difficult for me to pay my mortgage. They sent a letter in the mail that was an amount higher than what my payment shouldve been. They always send very conflicting information. On their website, is a lower payment. However, when I tried to pay my mortgage today, the website kept freezing/crashing. Literally every page on their website works except the page where youre suppose to make a payment. ( How convenient for them? ) The payment page is just a blank, white screen. After several tries, I decided to call them instead. I never got an actual human on the phone. An automated voice would say __________ ( the person that should be working ) is at home. Then the robot just hangs up in my face. I have recorded the website and phone issues as proof. 

It seems as if LoanCare is purposely making it difficult to pay my mortgage so that they can report me as missing a payment, and eventually foreclose ( because theyve made it next to impossible to make any payments )!! I will not be sending any payments through the mail because I dont trust them at all. They might say they never received it! ( Which is what another homeowner went through on the XXXX reviews ). This seems to me like a form a equity stripping. Their website keeps trying to tell me how much equity I have in my home ( which is way lower than the actual equity I have ). I believe they want me to take out a HELOC or similar, make it impossible to make the payments, and then take my home. 

NEVER have I ever been with such a horrible mortgage company. Theres no way that the things they do are legal. I really think this company should be investigated very throughly. I wouldnt be surprised if it leads to a class action lawsuit! This is ridiculous!!
Product: Checking or savings account

My grandson, and I established a custodial checking and savings account with the bank I normally use for years Chase Bank on in XXXX Illinois on XX/XX/2023. His name is XXXX XXXX XXXX, my name is XXXX XXXX. Account numbers can be provided upon request. I believe Chase sent checks to him in AZ, that may have been removed from the mail, ( specluation ). On XXXX when I checked the acct, to my amazement, some one was removing funds from the savings acct to the checking acct and stealing the money. It was happening as my grandson, his parents and I were on the phone talking to the fraud department in the XXXX, XXXX, as some one was taking {$900.00} from an ATM in XXXX on XXXX XXXXXXXX At the same time my grandson noticed some one had picked his pocket and all of his bank cards and ID was missing. He is a XXXX, XXXX at XXXX, the account was a month old and he was at his dorm XXXX AZ for just 2 weeks, and his bank accounts were scammed. The amount the Chase should return is about {$4300.00} Claim # ( XXXX XXXX XXXX XXXX XXXX ) I was told to go into bank on next business day and close those acct and open new ones and got an got a new claim number on XX/XX/2023 ( XXXX XXXX XXXX XXXX ) I feel the bank is scamming us too. They denied our claim. I can be reached at XXXX XXXX XXXX, to explain more details.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, Florida sold me a dangerously defective vehicle and has committed fraud by refusing to abide by lemon law. Financing for the fraudulent vehicle transaction is managed by in house loan company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. 

On XX/XX/2018 I purchased a new XXXX XXXX XXXX XXXX sport utility with XXXX miles on odometer. XX/XX/XXXX I returned the vehicle to dealership due to engine stalling, intermittent engine shut offs, warning lights, check engine lights on, electrical failure and multiple loss of panel communication faults. XX/XX/XXXX, I was told to pick up vehicle. Upon arrival lead mechanic stated its a lemon and that I should go lemon law. He couldnt find the source of the issue, its a manufacturing defect but it seems to be repaired this time and he will continue trying to fix vehicle if ordered by his boss. Before I could leave the dealership parking lot vehicle stalled and electrical failure with multiple loss of communication occurred, so the vehicle never left lot and remained until XX/XX/XXXX until I was told it had been repaired and to pick up. On XX/XX/XXXX, vehicle had electrical failure and multiple loss of communication and complete blackout of control panel screen. On XX/XX/XXXX XXXX formally refused to buy back the vehicle and instead added insult to injury offering {$3000.00} to keep the defective vehicle, shut up and go away. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XXXX : XXXX Fax : XXXX Any help that you give me will be greatly appreciated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

When entering into the program I along with several others were told that the other members in our group would pitch in and make the payments if we fell on hard times.I was given wrong information and pressured to take out this loan to " help my credit ''. 
This is not what happened. I was never offered helped. 

I had a XXXX in XXXX ( see attached ) and was unable to make payments until I recovered. I explained that to XXXX who was supposed to be the manager. I was assured that as long as I made an effort there would be no impact to my credit. I was told that this program would help my credit and that they would never do anything to hurt their members. 

They inconsistently reported balances. They never accurately furnished the correct information to the credit bureau. The center managers XXXX and XXXX did not inform me of the risk of joining this program. 

This program is predatory in that it targets XXXX XXXX, XXXX women. High unreasonable expectations that are not explained in the beginning. They promote community but it is not like that once you join and they don't help you in the long run. They then pressure you to add in more of your friends like a pyramid scheme.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 USC 1601c-2 , please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are XXXX, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Checking or savings account

I opened an account with Citi on XXXX XXXX with a {$50000.00} ACH transfer from an account I hold with XXXX XXXX XXXX. On approximately XXXX XXXX, I attempted to write a check against the Citi account. Citi did not honor the check. I was referred to their anti-fraud department, which said that my account had been blocked because they had been " unable to verify '' my original {$50000.00} deposit. However, that deposit had been made more than three months ago, Citi has been holding my money the entire time, and Citi has never notified me of any problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

INSPITE OF MANY REQUEST THIS CRIMINAL-EQUIFAX NEVER STOPS IN HARMING ME. EQUIFAX REPEATEDLY PUTTING WRONG ADDRESS IN MY CREDIT REPORT AS SHOWN BELOW : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FURTHERMORE, THIS CRIMINAL IS MANIPULATING MY FICO SCORE LOWER EVERY MONTH BY PUTTING FRAUDULENT/WRONG INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$6900.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : *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  I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statement, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflet their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit card or prepaid card

Hello, On XX/XX/2022 I visited a bar called XXXX in XXXX XXXX, New Jersey. I ended up losing my Bank of America credit card inside the bar. Someone ended up making {$160.00} purchases on the credit card. I noticed all those fraud charges on my card the next day. I ended up disputed every single XXXX of these fraudelent charges on my credit card. Initially, these charges fell off my card while Bank of America investigated this issue. However, today on XX/XX/2022 I saw that these charges were back on my card and Bank of America sent me a resolution letter. I want to say that these charges are completely false. I don't know what proof the merchant sent to validate these charges, but I know I did not make these charges. After every purchase in that bar, you have to sign a receipt. I'm 100 % willing to do a signature match on every single XXXX of these receipts. It won't match my signature. These charges should not be on my credit card and Bank of America needs to refund me the money.
Product: Credit reporting or other personal consumer reports

I was informed my private information had been leaked during XXXX data breach, now I have fraudulent accounts on my credit report. Per 15 USC 1681 my private information should be protected and it wasnt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX GEORGIA XXXX Subject : Violation of U.S. Code 1681a ( 2 ) ( a ) ( i ) -and U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Account Name : ( CAPITAL ONE ) Account Number : ( XXXX ) Date of Reporting : XX/XX/XXXXXXXX  Description of Inaccuracy : Inaccurrate Reporting CAPITAL ONE is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1671a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transaction or experiences ( payment history, charge off status ), between the person ( CAPITAL ONE ) making the report and the consumer ( myself ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( XXXX ) to a consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows of has reasonable cause to believe that the information is inaccurate. CAPITAL ONE can not collect on a discharged debt. This is now considered a certificate of indebtness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. 

This reporting is unsatisfactory, CAPITAL ONE IS HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAPITAL ONE TERMS AND CONDITIONS they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of CAPITAL ONE nor are they " bureaus ''. 
I have a right to Privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization in the consumer may have given you written, nonwritten, verbal and nonverbal per U.S Code 552a. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. this your 7 day notice to return ALL money due from this consumer. account THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Fidelity has lengthy hold periods for deposits and transfers before they post into their checking accounts. When they do post, the balance in the mobile app does not reflect the balance you can use for credit card payments, which is deceiving. Because of this, I was charged multiple nonsufficient funds fees when I tried to pay my Fidelity credit card with my Fidelity checking account.

Additionally, Fidelity has lengthy holds for credit card payments. When you try to pay from your Fidelity checking account to your Fidelity credit card, it takes multiple business days. Recently, I paid my Fidelity credit card with my Fidelity checking account on XX/XX/XXXX, however, they said it would not clear until XX/XX/XXXX, which I thought was an extremely unfair wait. Because of this I was late on multiple bills and was told by bill collectors that I might incur late payment fees even though Fidelity was literally holding my money hostage ( i.e., the money was taken out of my Fidelity checking and posted into my Fidelity credit card, but I was not able to use the funds I had transfered ).
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unvalidated accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such a failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.