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

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ) I was never late on this account listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
+ Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 7/23 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a collection from XX/XX/XXXX with a debt of {$960.00} was added to my Experian credit report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. I do not know this company and I am unaware of any debt owed to them as I have never signed anything with them. It is asl listed as an OPEN collection which is also inaccurate.
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this debt due to fraud. I was contacted by Capital One via phone and letter. I have also received numerous letters from your company wanting to settle a debt incurred that I have no knowledge of. The letter states that I owe XXXX to Capital One. However, I do not owe that debt. My information was stolen along with my wallet, which included my state issued identification card, my personal social security cards, along with personal bank cards and information on XX/XX/2021, I disputed this account previously with Capital One and the major credit bureaus upon noticing identity fraud had occurred. I also filed a police report, FTC report and Ive had to obtain personal identification due to this. 
If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt. 
I reviewed my ( XXXX, and XXXX ) credit report recently and found the account listed above. I have no recollection of this transaction and I do not believe that it is mine and I consider this matter to be in dispute, due to identity theft and identity fraud. 
I have already disputed this account with your credit bureau. I need to collect all possible information on this account so that I can determine whether it is an error or a case of identity theft. 
I request that you send me all available information possible on this account, including a copy of the original signed contract or any other documents that would establish the nature of the transaction and when, how, and by whom it was conducted. 
If these details can not be verified and the account continues to appear on my credit reports, I shall be compelled to assert my legal rights under the Fair Credit Reporting Act ( FCRA ). 
I hope to receive a quick and satisfactory response, as I would like to resolve this situation. 
Thank you, XXXX XXXX I have attached supporting documents
Product: Credit card or prepaid card

I have contacted Chase about my XXXX XXXX XXXX starting once per month since XX/XX/2021. The most recent date of contact was the first week in XXXX. 

I paid for a XXXX vacation using my XXXX XXXX XXXX in XXXX XXXX. I have purchased at least 9 trips to XXXX using this method in the past because the promotion is to receive the first six months of the purchase at 0 % interest. 

When we got to the XXXX resort in XXXX of 2021, there was an issue with the booking and they had to rebook part of the trip at a different resort. This caused the original transaction to be partially refunded and then charged again in a subsequent transaction. I called Chase and was told that because it was a " resort '' vacation package purchase, that it would be fine and that it would all be at the 0 % interest for 6-months. 

That was a lie. 

In XXXX I was charged {$69.00} In XXXX I was charged {$57.00} In XXXX I was charged {$36.00} In XXXX I was charged {$16.00} And when I called this last time in XXXX, I was told by the Chase rep that this would all be credited back BEFORE the billing cycle in XXXX which was the XXXX. 

THAT DID NOT HAPPEN. 

I've had it. I've been a card holder for years and have NEVER had this experience. I also am a lender at a credit union and I know how terms and conditions work, as well as how long it should take to resolve a billing error. 

This is unacceptable. I want all the interest back IN ADDITION to the interest I'm sure you will put on my XXXX statement that I just have not seen yet.
Product: Money transfer, virtual currency, or money service

XXXX XXXX ( XXXX ) called me on XX/XX/XXXX to advertise for XXXX XXXX XXXX football. Later that day, I submitted a check for {$250.00} to the " XXXX XXXX '' person who came to the door. A short period later, I researched XXXX XXXXXXXX & discovered they have a grade of " F '' from the XXXX  website. On XX/XX/XXXX, I texted the above phone number to cancel the order. On XX/XX/XXXX, I emailed XXXX : " I canceled the order. Thanks for your understanding ''. This counts as my official cancellation that is on the 3rd day from the order. On XX/XX/XXXX, I texted to the phone number above about the situation, & that person was very argumentative, disrespectful, & the person called me " terrible ''. On XX/XX/XXXX, I left a voicemail with the person from the above email indicating not to print anything and that the order is canceled. On XX/XX/XXXX, XXXX calls me indicating that my check was returned ( I already did the stop payment ), & now they told me they are sending me to " collections '' & are insisting I pay " {$280.00} ''. I canceled the order ; they need to cancel the check & stop trying to get money from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

A submit of a rental application on XX/XX/2022 that include a payment by debit for fees of XXXX  XXXX {$60.00} to reserve and process the application at XXXX XXXX XXXX to lease an available property the company that assist with the approval is Resident Verify LLC located at 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 received an applicant adverse action Letter stating that Resident Verify had no involvement in the decision and cant provide details of the denail but it states that Resident Verify/XXXX acted together to provide the results. I would like to requests in writing from both companies of any and all parties involved with this descision including third parties if I can please be provided on a way to fix this as it is causing time being wasted in finding proper housing and causing issues with my rental applications I would like it resolved immediately I was advised by XXXX that the return of the {$250.00} will be return XXXX XXXX XXXX the form of a check but the fee to process the application will not be returned
Product: Credit reporting or other personal consumer reports

Credit Bureau : [ Experian/TransUnion ] XXXX Account ( XXXX ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this formal complaint against [ Experian/TransUnion ] for failure to comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, specifically regarding the improper reinvestigation and reporting of inaccurate charge-off accounts on my credit report. I have previously disputed these accounts multiple times, and [ Experian/TransUnion ] has failed to conduct a reasonable reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The credit bureau has failed to verify the disputed information through actual documentation from the original creditor and has continued to parrot unverified information, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues with the Reporting of These Charge-Offs : 1. Failure to Verify Accuracy Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be deleted.

The credit bureau has not provided me with any documentation from the original creditor proving the validity of these accounts.

2. Inconsistent and Invalid Data The account opening and closing dates do not match across different reports. 
The accounts are still reporting a balance despite being charged off, violating Metro 2 Compliance standards.

The account is still being reported monthly, falsely updating its delinquency, which is a violation of FCRA accuracy requirements.

3. Willful Noncompliance The credit bureau has failed to conduct an independent reinvestigation, merely relying on the furnishers information without verification. 
This violates XXXX XXXX XXXX, which ruled that a credit bureau can not simply parrot information from the furnisher without independently verifying it. 
This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and constitutes willful noncompliance under 15 U.S.C. 1681n, making the bureau liable for damages. Key Issue : XXXX Has Already Deleted These Accounts XXXX has already removed these same disputed charge-offs because they could not be verified. 
If XXXX found the accounts unverifiable and deleted them, why are [ Experian/TransUnion ] still reporting them? This creates an FCRA violation under 1681e ( b ) (
Failure to Report Accurate Information ).
Product: Credit reporting or other personal consumer reports

Summary of Complaint : XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. 

Details of Complaint : The account in question has already been removed by XXXX and XXXX, indicating its inaccuracy or lack of verifiability. However, it remains on XXXX. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus.

I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies.

Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy.

FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus.

FCRA Section 611 ( a ) : XXXX failed to conduct a reasonable investigation into my dispute.

CFPA ( Consumer Financial Protection Act ) : XXXX 's refusal to correct inaccurate data may constitute unfair and deceptive practices.

Attached you will find a copy of my id, a copy of my social security card, a copy of my most recent bill, a copy of my FTC complaint, a screenshot of the account removed from XXXX and the letter for Experian.
Product: Debt collection

This was a work related XXXX/XXXX  ..Our hr lady refused to put this in as s that .Im not responsible for a XXXX that came from my work.She wanted me to lie, i refused to so 5 days after XXXX she sent me a email telling me she didn't simit my paperwork..i went 4 months with no money, and now this place is trying to get something out of me im not responsible for
Product: Credit card or prepaid card

On or around XX/XX/XXXX, I received a prepaid Visa Gift Card in the amount of {$150.00} by my employer as a XXXX gift. 

On XX/XX/XXXX, I attempted to use the card for the first time and my purchase was declined by the retailer. When I looked up the card on XXXX, I found that the card was previously registered and spent by someone other than me ; even though the card had never been removed from its original protective Visa envelope until I attempted to use it for the first time on XX/XX/XXXX. 

I called the Visa Gift Card toll-free number ( XXXX ) regarding the apparent fraudulent activity and was instructed by the representative to fax a scanned copy of the front and back of the gift card, my drivers license, and either a purchase receipt or a written statement if a receipt was not available. Once faxed, I was instructed by the representative to call the same toll-free number after three ( 3 ) business days to continue the process. 

On XX/XX/XXXX, I faxed the requested information to the fax number provided by the representative ( XXXX ). 

On XX/XX/XXXX, I called the toll-free number as instructed. The representative told me the drivers license was not legible and that with no copy of a purchase receipt, Visa could not move forward with processing my claim. When I informed the representative that her colleague, on XX/XX/XXXX, advised me that in place of a purchase receipt, that a written statement would suffice. She said that was not correct and that she could not help me with the information provided. 

I asked to speak with a supervisor and was connected to one. I was told that Visa could not help me without a purchase receipt. Being that the prepaid Visa Gift Card was a gift ( without a receipt ) and I was instructed by a Visa representative to supply a written statement in place of the receipt, I asked to be connected to someone that had the authority to make a customer service decision. 

The manager told me that someone from Visa, who had the authority to reissue Visa Gift Cards, would call me within 3 to 5 business days. 7 business days have since passed and I have not been contacted by Visa.

Despite being an apparent victim of fraud, I am now being stonewalled by Visa in having this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a tax lien in t he State of  Maryland which was not correct.     I had not lived in nor worked in the State of Maryland in   XX/XX/XXXX  (   y ear in question ) however, due to my   XXXX   XXXX   XXXX    XXXX  I used my sisters address as a return address on my federal tax returns to insure I would not miss any mail.     Maryland thought I was in MD and pursued taxes owed.     In   XX/XX/XXXX  I d iscovered the lien and started to investigate. After multiple phone calls I was able to speak to a supervisor who understood my dilemma. She realized the lien was not valid and on behlf of the State of Maryland filed a Notice  of Lien Withdrawal on    XX/XX/XXXX   noting the lien was withdrawn and vacated and sent a copy the credit reporting agencies and to me.     On   XX/XX/XXXX  I sent   XXXX  proof of the liens updated status requesting removal by US Mail.     On   XX/XX/XXXX , I disput ed online through  XXXX   XXXX .     On   XX/XX/XXXX  I  mailed copy of lien withdrawal to  XXXX  by certified mail return receipt requeste d (   XXXX   XXXX   XXXX   XXXX   XXXX  ) delivered   XX/XX/XXXX .      On    XX/XX/XXXX   I  spoke with a  XXXX  customer service agent to check status of my request for investigation. I was told that investigation was incomplete.       XX/XX/XXXX    XXXX  reported investigation completed and that tax lien was valid and would not be removed from my credit report.     I made no payments to th e State of Maryl and as this was a lien filed in error. I sent information by US mail and confirmed documents had been received.      XXXX  is obligated to investigate and remove erroneous information. This was not a paid tax lien this was a tax lien that never should have been filed. The State of Maryland recognized the error and filed a motion to vacate and withdraw while  XXXX  has failed to properly investigate and report the error.
Product: Money transfer, virtual currency, or money service

In early XXXX my binance account was suddenly restricted from being able to make trades or withdrawals. They said I need to verify my identity, so I submitted the appropriate information. After a number of days ( unsure of the exact number ) I was still unable to trade or withdraw funds, so I put a support ticket in on XX/XX/XXXX. My ticket number was XXXX. From that date until now, I have still been unable to trade or withdraw, and I have had no meaningful response from Binance other than saying they have a lot of tickets they have to process and they are behind. They have had my information for over a month to verify my identity, which is basically just my drivers license.
Product: Mortgage

I have a mortgage with Shellpoint Mortgage Service. Due to Covid and a XXXX, I was offered a forbearance program during a financially hard time. I accepted the offer and was not told there would be any fees. In XXXX, I spoke with XXXX XXXX about initiated payments again so I could get back on track. XXXX stated that we could not start paying and we needed to wait till XX/XX/2021 and they would tell me how to proceed. 

I am selling the home to move into a more suitable place for my age and health and just received word that, though the loan balance is {$100000.00}, that they are charging me {$120000.00} payoff. 

This is more than 20 % over the loan balance and has created even more financial hardship as I attempt to rebuild my life. I have requested a breakdown of the fees and the date they are for. In searching online for customer complaints about this company, I am finding that this is a common practice with them. I am requesting help in dealing with this situation please, as well as a review in this companies dealing with other customers such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX I'm submitting this complaint in reference to Equifax not updating acct information after I submitted dispute 25 times starting XX/XX/XXXX till current to XX/XX/XXXX I have called you uploaded supporting documents to verf The 2 collections Acct XXXX XXXX XXXX {$3100.00} ( XXXX XXXX ) rental is fraudulent the acct has been updated to closed XXXX XXXX XXXX has updated most of information but they are more current than Equifax I have call everyday for last month spoke to supervisor more than one to resolve this matter still have not got nowhere eact time I submitted dispute in reference to information not being correct Nor is credit score I have got hung up on all I have done everything to resolve this account it's not mine I didn't authorize XXXX of XXXX XXXX to used my information or did I have knowledge of the 2 acct till I pull report XXXX XX/XX/XXXX the have very poor Customer service support gives incorrect information .. please advise I just want it resolved especially after Equifax sent letter in writing stating it will be removed n update this XXXX so wrong that I have to be treated this way And manner
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Immediate Cease and Desist and Debt Validation Request for Account [ Account Number ] Dear XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, This letter serves as formal notice regarding your inaccurate and unlawful reporting of a debt under my name, allegedly associated with the account number [ Account Number ], which you are reporting to credit agencies. After reviewing my credit report, I discovered that you are inaccurately listing yourselves as the original creditors. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate credit reporting, and the Fair Debt Collection Practices Act ( FDCPA ), which requires debt XXXX to provide proper validation upon request. 

I dispute the validity of this debt in its entirety. Therefore, I demand that you immediately cease and desist all collection efforts and provide full and complete debt validation as required by law, including : 1. The name and address of the original creditor, along with clear documentation that proves the original debt.

2. A copy of the original agreement bearing my signature, proving that I am legally obligated to pay this debt.

3. A complete breakdown of the balance, including the principal, interest, fees, and any additional charges applied to this debt. 
4. Proof that you are legally entitled to collect this debt in my state and documentation of how you acquired this debt. 

If you can not provide this information within the statutory XXXX period, I demand that you take the following actions : Immediately remove this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 
Cease all communication with me regarding this matter, except to confirm that you have complied with my request. 

Failure to comply with this request will result in legal action. If you do not provide proper validation or remove this account from my credit report, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General regarding your violation of federal consumer protection laws. 
Seek legal counsel to file a lawsuit against your company for damages caused by your false reporting, misrepresentation, and harassment, as allowed by the FCRA and FDCPA. 

As per the FCRA, if you can not validate this debt or correct the inaccuracies, you are required to immediately delete the derogatory information from my credit report. If you continue to report this information without validation, I will hold your company liable for willful non-compliance with federal law. 

This letter also serves as notice that under the FDCPA, I am requesting that any and all future communication regarding this matter be conducted in writing only. Any further contact by telephone will be considered harassment, and appropriate action will be taken. 

I trust that you will handle this matter promptly to avoid further escalation. I look forward to your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX