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

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 
The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : XXXX
Product: Mortgage

I went to the bank on XX/XX/24 and wrote a check for {$400000.00} to Wells Fargo. The teller asked me where I would like to apply this payment to, and I replied to my principal. On XX/XX/24 my check was cashed by Wells Fargo. On XX/XX/24 I still didnt see the payment apply to my principal so I called And was tall that they were not able to apply the payment to my loan because they didnt know if I want to apply the payment to the principal or interest If this was true, then why did the teller asked me where I would like to apply the payment to. Wells Fargo used excuses to withhold my money without paying me interest. The payment was finally applied to my principal on XX/XX/24 because I told them I will file a formal complaint. To me, this is stealing. If I didnt call, I wonder how long they will keep the money.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against EQUIFAX for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, XXXX detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : EQUIFAX has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions. 

XXXX. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, EQUIFAX is in blatant breach of this statutory protection. 

XXXX. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement. 

XXXX. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, EQUIFAX has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates. 

The inaccurate and unfounded reporting of bankruptcy by EQUIFAX is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

SINCERELY, XXXX XXXX XXXX XXXX
Product: Debt collection

I received daily calls to my cell and work number while I was in the hospital. When I returned the call, I first spoke to a representative who transferred me to a XXXX who was rude and hung up on me when I asked what this was in reference to. After being hung up on the first time I called back to speak to a supervisor who laughed at what happened after I explained to him and hung up as well. I called back the number XXXX and asked for a manager. After being put on hold numerous times, I had a lady who claims she was VP named XXXX XXXX who was being very rude with cutting me off and talking down to me ... they threatened legal action so therefore I called back and explain to mail me only any bills since in the past I have had my identity stolen and XXXX XXXX laughed again and hung up. These people are wasting my time harassing me without explanation or verifying HIPAA. My next step is to contact an attorney.
Product: Vehicle loan or lease

Called to speak with a supervisor on the grace period for making my payment, the company has called 3 days in a row to harass me about making the payment and telling me I OWE them the amount IMMEDIATELY, and that I am delinquent even with a grace period. They have called over 4 times every two hours to harass me even after I paid it and tried to give them the confirmation number.
Product: Debt collection

On XX/XX/XXXX at XXXX I received a phone call. Gentlemen asked for me by name. I asked who was calling. He said his name and the company too fast to understand. Ask him to repeat. He repeated it slower and I was able to understand. I dont remember his name but he was calling from diversified consultants. I never confirmed or denied I was the person he is looking for nor did I verify any personal information. I simply said how can I help you. He proceeded to tell me he was calling from a 3rd party debt collector for XXXX and I owed {$140.00}. I ended the call. He gave out information regarding a debt to somebody who could have been a total stranger to the person he was looking for. 
On XX/XX/XXXX at XXXX I received another call. I said you have incorrect information and was hung up. At XXXX on XXXX i received another call. I was not very polite but told the lady they already called and talked to some one that day and couldnt call again. She said they could call up to 3 times a day and they didnt call. I told her they could call 3 times if times if a message isnt left or they dont talk to anyone. She repeated they never called that day and was angry I was rude to her and hung up. 
On XX/XX/XXXX i received a letter in the mail. It states they are collecting a {$140.00} debt from XXXX. I have contacted XXXX. They have no record of me owing this debt.o have not contacted diversified consultants yet because of poor reception but plan to tomorrow. 
They are attempting to collect a non existent debt, violated privacy laws, and made repeated phone calls in one day.
Product: Checking or savings account

Hello, I am trying to get the XXXX required minimum distribution for my mother which I am POA before this tax year ends. 

I have faxed the IRA Distribution form in XXXX and XX/XX/XXXX. Called on XX/XX/XXXX to follow up, and they stated it has not been received. In order to get it processed I have to go to a branch, I visited the branch XX/XX/XXXX and they would not process the request. 

This has been an on-going problem since XX/XX/XXXX. US Bank will not create a file for me for identification purposes. They will not save the POA documentation on file or my ID, so I have to go through this time-consuming, back and forth with no results process each year. 

I followed the instructions last year to get this year 's distribution with no success. If US Bank processed the required minimum distribution last year then I do not understand why it can't be done this year by the same POA presenting all the necessary documentation. 

Thank you for your time!
Product: Credit reporting or other personal consumer reports

Experian has a failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving in accurate or unverifiable accounts unrelieved. The Consumer Financial Protection Bureau. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, 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 amen the dispute accounts as Experians in action, violates federal law in my rights as a consumer.
Product: Credit card

Discover Card Services XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Response to Notice of Potential Account Closure Account # XXXX Dear Discover Card Services, I am writing in response to an email I received notifying me that my account may be closed. I would like to address this matter and provide additional information regarding the payment made to my account. 

On XX/XX/year>, I submitted payment to you using a negotiable instrument, tracked under USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX, and mailed to your address at XXXX XXXX XXXX, XXXX XXXX, IL XXXX. This payment represents lawful tender under applicable Uniform Commercial Code ( UCC ) provisions. 
I demand the immediate return of my negotiable instrument to my care, per UCC 3-501 ( b ) ( 3 ), which states that if a party refuses to accept or dishonors a negotiable instrument, the instrument must be returned to the issuer promptly. Failure to return the instrument constitutes acceptance of the payment.

Additionally, under UCC 3-603, a tender of payment discharges the obligation if made appropriately and in good faith, even if it is refused. According to UCC 3-604, tender of payment satisfies and discharges the debt unless the tender is returned. By failing to return the payment instrument, Discover Card has implicitly accepted it, and the payment must reflect on my account. 

Furthermore, under 3

1 U.S.C. 5118 ( b ), it is unlawful to demand payment in any specific form of currency, including U.S. Dollars, outside the framework of legal tender. Payments must be considered valid when tendered as negotiable instruments, which fulfill the conditions of UCC 3-104 and the Constitutions provisions for legal tender under Article I, Section 10.

If my payment has been accepted, you must update my account to reflect the cleared balance immediately. If the negotiable instrument is not returned within 10 business days, I will assume that Discover Card has accepted the payment in satisfaction of the debt and request that you update my account accordingly. 

Please confirm in writing that my payment has been properly credited or provide a detailed explanation of any outstanding issues within 15 days of receiving this letter. Failure to do so will compel me to explore all available remedies under the law. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX
Product: Debt collection

I get monthly calls from a company called Harris and Harris asking for XXXX. I am not XXXX and have had my number since 2012. Im a XXXX not a XXXX. I've explained it to them and they said they will fix it. Hasnt been fixed, I get calls either monthly or weekly now. They never leave a message and when I answer I tell them my story or I call back and tey to fix it. Nothing yet. 
I have no debts and my credit score is XXXX. Just take my number out and fix this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is violation of my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having an issue with Equifax to get XXXX XXXX XXXX  XXXX XXXX  XXXX off my report. This is in Lousiana. I don't live in Louisana. I live in New Mexico. I have XXXX as my internet service in New Mexico. This is not me! I also want to know who put this in my name if possible.
Product: Debt collection

To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled.

I understand that under 15 U.S. Code 1681i ( 5 ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below.

In accordance with 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your prompt cooperation in addressing this matter.
Product: Credit reporting or other personal consumer reports

This is my complaint to COMENITYCAPITALXXXX for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my XXXX report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account XXXX XXXX XXXX XXXX is not only listed as being OPEN, but also as having a PAST DUE balance of XXXX on TWO accounts .This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards. 
According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person. The credit bureaus continue to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts we'll have some big problems and I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I honestly don't know where to start with this, I'm so livid because I work too hard to provide for my family for a random company ( Galaxy International Purchasing , LLC ) I've never done any business with to come along and file a lawsuit on me out of the clear blue sky for an alleged debt that has NOT been yet proven to belong to me. I have no legal binding contract with this company for them to appear at my home and hand papers to my wife. My doorbell ring camera has the video of this company not following the law when it comes properly serving someone court documents. 
I'd like to exercise my rights under The Privacy Act of XXXX ( 15 U.S.C. 1681s-602 ), I do not consent to 3rd party agencies having my personal information without my consent. 
If legal documentation is served to the wrong person, that is grounds for myself to contest the entire process of this fraudulent event. I intend to file motion to have this case dismissed and I'll be pursuing remedy for each and every violation against me if this company shall continue to pursue court proceedings. 
I did not receive a written demand letter for payment within 30 days of this company filing a lawsuit against me. I would have been able to send in a request for them to validate the debt instead of using aggressive deceptive practices. 
Upon research I notice I'm not the only one who has experienced this with this company, seems as if it's their way of taking advantage of incoherent consumers. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Checking or savings account

I deposited a check on behalf of my new tenant. Check is XXXX XXXX funds. They are not named on my account. Within XXXX minutes of depositing check I get alerts stating my accounts are scheduled to close. The next day I speak to agents on the phone and they say if I go into the branch with check owner they will release hold. So I made an appointment with the branch and went in the branch with check agent. The agent is actually her son who has a power of attorney and that power of attorney is registered in the county of XXXX in California. They take copies and should have already cleared this up by now. Everything is up and transparent. I dont know why my account is still inaccessible and funds are still tied up.

Please help.

Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX gave me settlement option on a capital 1 debt.The change the option to full payment after I missed, the last payment fromXXXX to XXXX
Product: Consumer Loan

I had an auto loan that was disputed after a wreck due to multiple departments of USAA telling me different things. I had asked for GAP when I purchased the car but USAA informed me the box must have been unchecked and since I did not pay for GAP I had to satisfy the balance. This information of not having GAP insurance was not provided to me until months after totaling the vehicle. Until that time I asked if I needed to make a payment or wait for GAP to go into effect. I asked how long it would take and if there was anything else I needed to do, and was told multiple times that GAP can take awhile and the XXXX departments are not allowed to communicate with each other. Once I was informed I did not have GAP the claim went into dispute. USAA and I reached and agreement that once the outstanding balance was paid they would update my credit as my only concern was repairing my credit, because once I found out I did not have GAP my credit was already damaged. Below is part of the email sent on XX/XX/XXXX that outlined the outstanding balance and update to the credit bureau. 

Per your request, I did reach out to the Member Debt Solutions department of USAA Federal Savings Bank. USAA individual from Member Debt Solutions ( name removed ) confirmed that an outstanding balance on the auto loan does remain. She advised that once the outstanding balance is resolved, they will update the credit bureau report. 

This outstanding balance was satisfied on XX/XX/XXXX. A credit report was recently done as I am trying to buy a house. The full balance from USAA still shows as unpaid as of XX/XX/XXXX, I have contacted USAA who could tell me that the balance has been paid, but was unable to comment about why an outstanding balance for the auto loan is still showing up on my credit nearly three months later. I do not understand why this has not been resolved as we agreed.