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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My first COMPLAINT ID XXXX on XX/XX/XXXX XXXX happen when my account get closed due to popup in chase website asking to change to paperless constantly. I did not know I have {$140.00} due and my account was closed by chase and I lost all my XXXX points. 

I am not sure how to appeal in this website so I filed a new complaint again. I received XXXX for the points I received XXXX from chase for card ending XXXX. Since chase took my points away by closing my account and I request then to remove the XXXX they issued for card XXXX. I try to get the points back but was denied by Chase in my first complaint ID : XXXX I think the whole thing will never had happen if chase website does not popup to ask for paperless. We all make decision when applying credit card and if I do want to change to paperless I pretty sure i can change easily when I login to chase. I don't need the annoying popup to make my decision for me especially i am in the rush or something. 

I also think closing people accounts the least the bank need to do is track the mail to make sure they received the mail before closing the account. We are in pandemic and it is XXXX when they said they send the mail to me and I have to take it is true? It is chaotic time in XX/XX/XXXX. Didn't we see news about mails or packages not delivered? I never received any mail they said they sent to me. Of course Chase will not believe me and I don't believe they sent me mail either!! 

Is it so hard to send tracking mail especially you going to send to someone about closing account? Especially their last mail for the credit card? All these will save me trouble and I don't believe I am the only one that has the problem with your popup or your mail you said you sent that I never received. 

It's true these problems probably has been there for long time and I happen to be caught into these issues now ... 

I just think you just destroy people like me that have no intention of not paying the {$140.00}, no intention of getting my credit score dinged and no intention to close my account either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2021, this card was close by the company without any notification communicated to me, for potential fraud! I reached out to the company to resolve this matter and asked profusely for the account to be closed each time. I was assured the matter was resolved each time. In XXXX of 2021, I received a credit monitoring report showing, I was delinquent with this company! I called again, and begged the companys corp office to correct this issue! I promised again, the matter had been resolved! I received a faxed notice as well as a mailed document from this company stating this matter was resolved! However, again I was misinformed and this account had become further delinquent! They now have two opened credit cards in my name. I only had one card from this company. I reached out to this company today, only to find out both accounts where still opened with outstanding balances! I never received a new card from this company and havent use the service since XXXX, when I paid the account in full and asked for the account to be closed! They refused to close the accounts and are charging late fees and services fees, stating I must provide certain identifications in order to close the accounts! I was never notified of this information. I do not feel comfortable providing this company with any more of my personal information at this point, I feel like this company is practicing predatory lending practices and providing fraudulent information on consumers to the credit bureaus! This company is providing false information about me, which is defamation of character at this point. Im in need of help immediately to prevent this from tainting my credit history any further! The company is now hanging up on me each time I call or leaving me on extended holds and refused to assist me with this matter! I will also start seeking legal counsel to assist with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is in Violation of the Fair Credit Reporting Act, by refusing to comply, and has been found negligent with my consumer report. Experian has failed to adopt reasonable procedures to meet consumers needs, which is fair and impartial to consumers. Also failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information or delete the file. If items can not be proved to be accurate with sufficient documentation, they must be removed from my report promptly. 15 USC 1681 also states transactions between consumer and person/Corp making report is not included on consumer reports.

As stated in 15 USC 1681 ( iii ) Credit Reporting Agency must also provide a description of the procedure to determine accuracy. Also, I am fully aware that when using my social you will need a SSA 89 form, which is only valid for 90 days. This form authorizes the SSA to verify the connection between my name and my social security number to a third party. This form is for one time use ONLY and these accounts have continued to add marks to my consumer report. I did not give consent, so this is a result in Identity theft. My identification features, numbers, and signature is being used without my approval. Please provide proof of Authorization!

Experian continues to report fraudulent accounts without my consent, and since then has committed identity theft with opening several disputes on my report without my consent. My request was to remove accounts after a frivolous reinvestigation, but Experian continues to use my information to open disputes without my consent which is a clear violation of the FCRA. Experian is now Liable for damages.
Product: Debt collection

XXXX XXXX XXXX currently lists XXXX accounts on my credit report, all related to credit cards from Comenity Bank, with the following details : Account XXXX : Balance of {$560.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account XXXX : Balance of {$450.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account XXXX : Balance of {$1500.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
These accounts were all reported on XX/XX/XXXX, and are marked as derogatory on my credit report. I have made payments toward these credit cards in the past, and I am concerned that these payments have not been accurately reflected in the balances reported by XXXX. I am requesting a detailed breakdown ( a full ledger ) of each account, including all transactions, payments made, and any fees assessed, so I can ensure that the payments were correctly applied. 

I am disputing this information to verify the amounts they are attempting to collect from me.
Product: Debt collection

I 've Verbally requested that the Auto Loan company Ally Financial send All correspondence and communication in writing to my home address. Since I 've received at least XXXX harassing calls at my place of work which they have obtained thru public records. I 'm afraid if this continues I will be at risk of losing my job.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing regarding my Capital One credit card account ending in XXXX, which was paid in full. At the time of payment, I was assured that this account would be removed from my credit report once the balance was settled. After noticing that this account remained on my credit report, I contacted your customer service team, who advised me to wait. However, upon further inquiry with a different department, I was told to submit a confirmation email for the account 's removal, which I did.

Despite following the steps as instructed, it has now been over six months, and the account continues to appear on my credit report. I have made multiple attempts to resolve this issue with your company, but no corrective action has been taken.

This ongoing inaccuracy is not only damaging my credit but is also a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under the FCRA, you are required to ensure that credit reporting is accurate and to correct any errors or inaccuracies in a timely manner. Your failure to do so exposes you to significant legal liabilities. 
This letter serves as a final demand for the immediate removal of the account from my credit report. If this issue is not resolved within 10 business days from the date of this letter, I will have no choice but to pursue legal action, including but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating a civil lawsuit for damages resulting from the willful violation of the FCRA. 

I trust that this matter will be resolved promptly to avoid further legal escalation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries into your credit report are a violation of your rights for several reasons, based on consumer law and Metro 2 standards.

Consumer Law ( Fair Credit Reporting Act - FCRA ) : The FCRA mandates that only entities with a permissible purpose ( such as lenders reviewing credit applications or companies providing services youve requested ) can access your credit report. When someone makes an inquiry without your consent or a legitimate reason, it is considered unauthorized. This violates your right to control who sees your credit information, and it could also lead to harm, such as a lower credit score or identity theft risks.

Metro 2 Standards : Metro 2 is a data format standard used to report credit information. If an unauthorized inquiry is incorrectly recorded or reported under the Metro 2 system, it may appear on your credit report as a valid inquiry, even though it was not authorized. This misreporting can further damage your credit score and your ability to obtain credit in the future. Metro 2 standards require that only accurate and legitimate inquiries be reported to credit bureaus.

In summary, unauthorized credit inquiries violate your rights by breaching the FCRA, which protects your personal information and ensures only legitimate parties access your credit report. Additionally, Metro 2 standards require that only authorized inquiries be accurately reported, so a wrongful inquiry could also result in inaccurate credit reporting.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX IL. I live in XXXX  and the job was supposed to be done in XXXX IL. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. The transaction has been made on XXXX/XXXX/2024, and I have disputed it with the bank in the amount of {$5000.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit card or prepaid card

Inaccurate items being reported on my credit file. See attached
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial PRotection Burea, CFPD : RETRACTION OF INCOME DRIVEN REPAYMENT, IDR, PLAN BEING DELINQUENT FROM ALL XXXXCREDIT BUREAUS. IDR-CALCULATED MONTHLY PAYMENT OF {$0.00} ( XXXX ), MADE TIMELY, AND STUDENT LOANS ( OVER 24 YEARS ) ARE ELIGIBLE FOR CANCELLATION, BUT XXXX ISN'T DELIVERING THOSE SERVICES AND DEALING UNLAWFULLY AND ABUSIVELY BY REPORTING DELINQUENT WHEN NOT DELINQUENT. 

I, XXXX XXXX XXXX XXXX, have placed Federal Student Loans [ Servicer : XXXX ] in Income Driven Repayment-IDR, THAT IS CURRENTLY ON PAUSE, AND HAVE RESENT RECERTIFICATION, AS DURING DATES OF XX/XX/XXXX, XXXX THROUGH XX/XX/XXXX, XXXX MALICIOUSLY FALSELY-IMPRISONED IN XXXX XXXXXXXX XXXX XXXX, THROUGH NO-FAULT OF MINE . 

XXXX, servicer, has falsely reported delinquent payments on MY INCOME DRIVEN REPAYMENT PLAN, XXXX, WHERE I QUALIFY FOR CALCULATED MONTHLY PAYMENT OF {$0.00} ( ZERO ). XXXX has fraudulently reported inaccurate, adverse information to all XXXX credit reporting bureaus ( XXXX, Transunion, XXXX ), stating delinquency in the amount of {$1000.00} for XXXX & XX/XX/XXXX knowing my qualified monthly payment of {$0.00} ( ZERO ) has not been recalculated ; thus, the {$0.00} ( ZERO ) payment is considered ON-TIME AND SHOULD NOT BE REPORTED AS DELINQUENT. In addition, XXXX  has placed recertifications on pause since XXXX. I have since re-faxed recertification and priority mailed documents for TPD, Total and Permanent XXXX, Discharge of all loans, as well as, RESENDING RECERTIFICATION OF XXXX FOR IMMEDIATE CORRECTION AND RETRACTION OF STUDENT LOAN DELINQUENCY. 

AIDVANTAGE IS IN DIRECT VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692, & FEDERAL CONSUMER FINANCIAL PROTECTION ACT OF 2010 ( CFPA ). AS XXXX, a loan servicer, IS ENGAGING IN UNLAWFUL, UNFAIR, DECEPTIVE, ABUSIVE PRACTICES [ XXXX ] AND THEIR ADVERSE REPORTING CONSTITUTES FRAUD, ABUSE, TARGETED EXPLOITATION, AND EXTORTION. I AM DISPUTING XXXX ADVERSE CREDIT REPORTING AND DEMANDING RETRACTION OF SUCH REPORTING BE MADE TO ALL XXXX CREDIT BUREAUS ( TRANSUNION, XXXX, & XXXX ). I ATTEST, AFFIRM, AND CERTIFY ALL INFORMATION VERY ACCURATE AND VERY TRUTHFUL. 

BEST, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Credit Reporting Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate information appearing in my credit report. The account in question has been paid in full and reflects a {$0.00} balance, yet it remains inaccurately reported, negatively affecting my credit profile. This letter is sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a paid-off account with a {$0.00} balance as anything other than accurate violates this statutory requirement.

Additionally, under 15 U.S.C. 1681i ( a ), upon notice of a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am requesting a thorough investigation into this matter and an immediate correction of my credit report to reflect the accurate status of the account. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. If you determine that the information can not be verified, it must be deleted from my credit file as per the FCRA.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I was sent an email that my Chase Visa account was temporarily suspended due to unusual activity and would have to log in to verify. I did so and they asked for further information including my account number, birthdate, mother 's maiden name, and social security number which I supplied. Then they asked for a copy of my driver 's license or passport which made me suspicious so I logged off and called the credit card number on the back of my credit card who said they hadn't sent an email suspending my account, however I had already given the information including my social security number to the scammers. I immediately changed the password on my Visa account and placed a temporary hold on the account. 
Here is the email I got from the scammers including at the end a copy of the details from the sender : Potential unusual activity on your account We saw some activity on your account that didn't match your usual activity. We're concerned someone may be trying to use your account without your permission. Don't worry. To help keep your account safe, we've temporarily limited some of your account features. 

What do I need to do? 

To start using your account as usual again, please log in and follow the steps shown. This will help us secure your account. 

Secure my account Questions? 

If you still have questions, please choose Contact at the bottom of any page to reach Customer Service. 


Follow the link to opt out of future emails : Click here to unsubscribe Received : from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved out of the house. I paid off the owed amount and told them to shut off the service. 
They continued to charge me and I emailed them via their billing notification that I was no longer there and do not want the account. 

Also when there was one missed payment they shut the service off so i was might only owe XXXX month 's worth of internet.
Product: Credit reporting or other personal consumer reports

this is my SECOND time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : XXXX XXXX  # XXXX I have a legal right to dispute anything on my credit report that does not belong to me I AM NOT A LAWYER AND THIS IS NOT A THIRD PARTY REP. I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Product: Debt collection

Within this past month I have disputed GC Services with all three bureaus and in less then 24 hours the account comes back verified. I asked them to validate that the debt was mine and they sent me a copy of a XXXX bill with signatures that 's are n't even mines. They in no way have validated or verified that the debt they are trying to collect is mines. Also GC Services has very unethical practices like calling their " customers '' 2-3 times a day and have been in many lawsuit.