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

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, Experian, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit bureaus comply with their legal obligations under the FCRA. I kindly request the following actions : 1. Thorough Investigation : Direct the credit bureaus to conduct a proper and diligent investigation into the accuracy of the disputed items on my credit report. This investigation should involve gathering and providing verifiable proof or documentation to support their claims of validation. 

2. Removal of Inaccurate Information : In the event that the credit bureaus are unable to provide sufficient evidence validating the accuracy of the disputed items, I request their immediate removal from my credit report as mandated by the FCRA. 

3. Compliance Monitoring : Oversee the credit bureaus ' practices to ensure their compliance with Title 15, Section 1581, and other relevant provisions of the FCRA. Implement appropriate measures to prevent the dissemination of inaccurate information and ensure the fair and accurate reporting of consumer credit data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report XX/XX/2023. I am writing to dispute the validity of the debt that you are attempting to collect in accordance with 15 USC 1692b. I am referring to the complete credit solutions account. With a past due balance of {$2300.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter. 

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question. 

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The response I received states that US Bank does n't have my loan. However, I received a letter in the mail, which indicates that US Bank will not provide a response, because the address on record is incorrect. This is extremely frustrating, as I clearly provided everything US Bank needed to respond to my complaint within my prior inquiry and received a push off. Again, I have detailed my concerns below and EXPECT TO RECEIVE A RESPONSE. I have NOW updated my address, therefore, US BANK is required to provide me a response. They hold the loan to my vehicle! I am also considering forwarding this matter to the appropriate regulatory bodies for escalation. 

I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards ( P & I ). Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency. 

I have now went online, and was able to search the transaction history on my loan ( attached ) which revealed the application of my payments. Its absurd how the email response representatives, as referenced above, could nor provide me direction on how to obtain the transaction history online, rather reverted with illogical responses and went straight to charging me a fee to provide a copy of my payment history! 

I have been charged {$480.00} in late charges! Of this amount, I have paid ( estimated ) {$240.00} towards that balance! Based off my online account, my current past due balance is {$670.00}, which I believe consist of {$440.00} for the XX/XX/XXXX, 2017 monthly installment and remaining balance of {$230.00} late charges.
Product: Credit card

Discover Card build me for an amount of {$960.00}. You can see a copy of the bill upon reaching out to them. They said I need to dispute it and the dispute didn't work and I kept telling him it's an unauthorized charge from a merchant that I did not authorize to charge me on this card and didn't get anything anyway, recently I contacted them and file the fraud claim once again, without any verification, they rebuild me again I have reached out to the merchant, XXXX XXXX XXXX, and they provided me the letters saying I'm not responsible, and that they wouldn't bill me however, it keeps billing to my account. At this point I reached my resources and decided to see if you could enact and take care of this. 

I didn't make the purchase I didn't authorize the purchase I don't have anything from the merchant and the credit card in the merchant keep playing ping-pong and I'm left in the middle of the balance on my card.
Product: Money transfer, virtual currency, or money service

I sent money to my step son in XXXX through Paypal.com. They changed the email address and sent it to the wrong person. I sent it to XXXX. Their system changed it to this address XXXX. I contacted them within 30 minutes of transaction. They told me it could not be changed. I cancelled a transaction the day before with no issues. I have emailed this recipient but no feedback. I have filed a report with my bank also. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXX Payment sent to : XXXX Payment amount : ( in currency funded ) - {$170.00} USD Your fees : - {$8.00} USD Your total charge : - {$180.00} USD Payment amount : - {$170.00} USD XXXX XXXX 's fees : {$0.00} USD XXXX XXXX receives : {$170.00} USD Date : XX/XX/2018 Time : XXXX CDT Status : Completed Funds will be available to your recipient on or before : XX/XX/2018 Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$170.00} USD to XXXX XXXX with PayPal Funding Type : Credit Card Funding Source : {$180.00} USD XXXX Debit Card XXXX This transaction will appear on your bill as " PAYPAL XXXX ''.
Product: Payday loan, title loan, or personal loan

during covid 19 I was not granted any relief by my bank where my mom co signed for a credit card and personal loan my credit score in XXXX of 2019 was XXXX because of not being able to make loan payments or cc card payments and not being granted deferrals on anything I applied for pandemic relief and was told I never did my credit score is XXXX PNC has a collection agency all over me and I wanted to pay off personal loan my mother is on with me she had an XXXX credit score HAD I HAD A BAD check someone gave me so my personal bank account got overdrawn so now they want $ $ $ $ for that also There debt collector calls me and I told him I will pay off the personal loan my moms on as far as my own personal account they can kiss my but because I deposited the check and waited 4 days before I withdrew the money well as a courtesy they gave me the money b4 the check cleared thus for screwing me he told me he was calling to collect loan payments so I paid him all I owed on loan Turns out it was not for the loan I've swore to my mom it was paid off the man told me it was well I found out it isn't paid off and I'm passed it went to my personal bank account exactly were I told them I wasn't going to settle yet CAN A DEBT COLLECTOR JUST FLAT OUT LIE TO YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to use my identity to apply for credit at the following : XXXX XXXX ( XXXX and XXXX ) XXXX, Reported by XXXX on XX/XX/22
Product: Student loan

I submitted the co-signer release document to release co-signers from my private loa ns. I received two letters o f correspondence stating both of my requests were unable to be granted and my requests were denied. I meet all criteria. I called the customer service line to dispute and find out what steps I should take to provide supporting documents to release my co-signers. I was told there is n't a person, underwriting department, or any other department that I could talk to about how to dispute. I was told to send a letter to dispute to a fax machine and someone may contact me.
Product: Mortgage

I have a mortgage though PennyMac and have had XXXX instances of them obtaining insurance on my behalf which was inappropriate. 

In the XXXX case, I was notified by PennyMac that I was no longer required to hold Flood Insurance as FEMA had reclassified my location. I returned their form letter in XXXX of XXXX requesting that they not pay that insurance when it renewed. In XXXX of XXXX, PennyMac paid the renewal in spite of my written direction. After more than XXXX calls to their insurance and escrow departments, I gave up - not having received any money back. 

In the XXXX case, PennyMac had renewed my home owners insurance through XXXX XXXX in XXXX XXXX and for reasons that I have not been able to determine paid for a second home owners from a company called XXXX XXXX in XXXX of XXXX. I believe that they were scammed by someone posing as a XXXX XXXX employee, as XXXX XXXX denies having anything in my name and does not do business in XXXX. Once again, I have been completely unable to get PennyMac to re-imburse me for the missing funds.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX Bankruptcy Account Number : XXXX
Product: Debt collection

I do not believe that the debt that is reported for the amount of {$1100.00} from Midland Credit Management INC is valid on my credit report. It is showing as an open account which isnt correct if it is in collects. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. 
Please remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$16000.00}.
Product: Mortgage

Bank of America offered mortgage loan with 10 % downpayment, during the loan final approval process they requested 20 % instead otherwise they would have canceled the loan when we agreed for the 20 % they did not change the rate which should have changed from 4 % to 3.75 % and continued to stall by asking for the same document multiple times, we had to extend the closing twice, and still have not giving final approval, it has been 5 weeks since they accepted the loan application. we want them to fund the closing this week otherwise we will lose the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute has to do with a XXXX, XXXX Master Card. In XX/XX/2018 fraudulent charges appeared on the activity page on XXXX website for my card. I notified XXXX and told them of the fraudulent charges. They closed the account and issued me a new card with a new account number. However, when they brought charges over from the old card these included the fraudulent charges. I notified XXXX by phone and was told that the error would be corrected. At the same time, I discontinued use of this card. From that time until the end of XX/XX/2018, I have received no statements nor any other correspondence from XXXX. These accounts had been setup for automatic bill payment. 

In late XX/XX/2018, I received a notice dated XX/XX/2018 from XXXX XXXX XXXX stating that they were attempting to collect a debt owed XXXX for the Master Card in the amount of {$200.00}. I attempted to go onto XXXX website to view any activity on either of the cards. No information was available because the accounts had been closed. I then called XXXX at the customer service number listed on the back of the card and was routed to their internal credit collections department. I explained the situation to them and asked for copies of the statements showing the activity on the master card. I was told that since the amount on the card was now in collections, they had no information. 

I then contacted XXXX XXXX XXXX and made the same request. They told me they would send me 12 months of statements. To date I have received nothing. 

On XXXX XXXX, I received for the first time a statement from XXXX for {$200.00} plus {$37.00} in fees plus {$2.00} in interest. I contacted XXXX XXXX XXXX by phone and email but have received no response from them. I contacted XXXX credit collection bureau again and was told this time that they would provide me with the last 12 months of account statements but it would take 30 days. They refused to discuss the additional fees and interest charges. 

This has effected both my husband 's and my credit score. We have excellent credit. My intent is to get this resolved as quickly as possible but I am receiving no cooperation from either XXXX  nor XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( XXXX ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Employers XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2015 I opened an account with XXXX. The account was supposed to be closed. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquire on credit file that was not authorize by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 instructions
Product: Debt collection

I insist on immediate action to remove the items listed on my identity theft report, as mandated by FCRA Section 605B. Provide prompt compliance by removing/blocking the erroneous information from my credit report within the 4-business-day timeframe specified by the law. Failure to do so will result in legal action. Acknowledge this demand and ensure the necessary notifications are sent to all furnishers of the information promptly. Fraudulent Items 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 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 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 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 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 Please remove ASAP.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I initiated an international bank to bank transfer of money using Western Union services. The money shouldve been received by the recipient on XX/XX/2020. As of today ; the money still has not been received by the recipient. Ive called Western Union every day since then and have been getting the run around. I want a  refund but they will not issue one and will not provide support. Today after complaining they informed me that their records show the money was transferred and they will not issue a refund, despite my complaint to them stating the money was never received. They have been extremely unhelpful and there has been no transparency regarding their processes or what information they are using to hold my money.
Product: Money transfer, virtual currency, or money service

XX/XX/24 etoro app shut down around XXXX with all my cash and XXXX in it. Has been having 'technical difficulties ' for the past 6 hours, causing me to be unable to buy/sell XXXX. As a result I have not been able even see my account and have lost alot of money since I am not able to access or trade during a downturn in the XXXX market.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of credit inquiries on my credit report that I do not recognize and did not consent to. I have tried disputing these inquiries with the credit bureau and they have not responded nor removed any of the inquiries. The dates I disputed these inquiries are XX/XX/2020, XX/XX/2020, & XX/XX/2020.
Product: Vehicle loan or lease

Pursuant to the consumer Bill of Rights, 15 US Code 1611, regardless of the unlawful decision made I have a right to my consumer credit. Not only that, but I have a right to redress additionally having the right to service in a contract. I do not wish to be judged for any credit score or to be discriminated against considering my right to contract in good faith as relayed under federal law ( ECOA ). This entire " Consumer Transcation '' solely comes from this Consumers unlimited credit in full and Faith ( 12 US CODE sec 1928 ).

This correspondence is only for the underwriters who have access to my security ( credit application ) and have obtained my principal information to essential fund the consumer transaction hence the extension of credit is the acknowledgment thru " Application ''..
Product: Debt collection

Letter received today. Loan was started in XXXX. Bankruptcy was filed in XXXX during my divorce. Ex-husband resigned loan papers I did not. 

I believe it is a privacy issue that I now know about this when it is my ex-husbands bill. I also believe this company might be trying to exhort money out of me. 

If it ends up on my credit report I will be filing another complaint. 

House was paid off 3 years ago and Ex-husband states they want {$8000.00} but won't say for what.