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

I have three accounts included in the letter attached that I have disputed for various reasons and Equifax has failed to give me all the information I am asking by law. They just give me a standard answer and no detailed infomation on how the account has been verified. See case law below they are not compliant and I want all three accounts to be deleted since they are not following the law. Case and point below 611 A E OSCAR COMPLIANT. 
Recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item ( s ) on my credit report. I was shocked to learn that you somehow verified the disputed item ( s ), and they are still on my credit report. If you had investigated properly, rather than use your e-Oscar system, you would have known that these items listed below should have been removed in my initial investigation. I am very interested to learn how you arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I did research on my own and learned that in the case, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable! I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently removed from all records.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX  XXXX Last reported XX/XX/2020 {$3700.00} Reported balance Credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - Definitions ; rules of construction Exclusions. -Except as provided in paragraph ( XXXX ). the term " consumer report '' does not include- ( A ) subject to section XXXX of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Money transfer, virtual currency, or money service

Company - CashApp XXXX  XXXX  Primary Problem # 1 - Missing {$200.00} in a series of payments received between Monday ( XX/XX/2020 ) through Wednesday ( XX/XX/2020 ). 

Primary Problem # 2 - The CashApp Website provides no phone number to contact them for support and none of the self-help narratives offer a process to resolve this type of problem. 

Details : These 30 transfers are the payment activity ( including CANCELED transfers ) during this period : 1. Amount = {$50.00} - XXXX $ XXXX, Monday, XXXX XXXX  2. Amount = {$35.00} - XXXX XXXX XXXX  XXXX, Monday XXXX XXXX  3. CANCELED - Amount = {$450.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  4. CANCELED - Amount = {$300.00} - XXXX XXXX sent by XXXX XXXX, Tuesday XXXX XXXX  5. Amount - {$100.00} - XXXX XXXX XXXX, Tuesday XXXX XXXX  ** CASH-OUT = {$180.00} 6. Amount = {$450.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  7. Amount = {$100.00} - XXXX XXXX XXXX XXXX, Tuesday XXXX XXXX  8. Amount = {$38.00} - XXXX XXXX XXXX XXXX, Tuesday XXXX XXXX  9. Amount = {$10.00} - XXXX XXXX  XXXX, Tuesday XXXX XXXX  10. Amount = {$50.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  11. Amount = {$75.00} - XXXX XXXX  XXXX XXXX XXXX, Wednesday XXXX XXXX  12. Amount = {$320.00} - XXXX XXXX XXXX  XXXX, Wednesday XXXX XXXX  13. Amount = {$480.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  14. Amount = {$94.00} - XXXX XXXX  XXXX, Wednesday XXXX XXXX  15. Amount = {$66.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX   16. Amount = {$100.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  ' 17, Amount = {$200.00} - XXXX   XXXX XXXX  XXXX, Wednesday XXXX XXXX  18. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX   XXXX, Wednesday XXXX XXXX  19. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX   XXXX, Wednesday XXXX XXXX  20. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXXXXXX, Wednesday XXXX XXXX  21. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX,  Wednesday XXXX XXXX  22. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  23. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  24. CANCELED - Amount = {$300.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  25. Amount = {$120.00} - XXXXXXXX XXXX XXXX, Wednesday XXXX XXXX  26.Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  27. Amount = {$50.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  28. CANCELED - Amount = {$390.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  29. CANCELED - Amount = {$390.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  30. Amount = {$60.00} - XXXX XXXXXXXX XXXX XXXXXXXX, Wednesday XXXX XXXX  Total Payments = {$2200.00} Total Showing Available on CashApp for Cash - Out = {$2000.00} TOTAL MISSING - {$200.00}
Product: Checking or savings account

XX/XX/2024 SANTANDER CONSUMER USA Re : Account number : SAVINGS ACCT XXXX AND CHECKING ACCT XXXX To Whom It May Concern : I am aware that I have an outstanding balance with your company. This letter serves as an offer to settle the debt for a CORRECT amount. I can only afford to pay this debt. 
I understand that you may also have motivation to work with me, considering the age of the deb. Refusing to cooperate will only worsen the situation for both parties.

You claim that the amount owed on both accounts is {$800.00}. I propose a good faith offer to reduce the 8 returned fees on account.

The parties involved agree to settle the account in its entirety for the sum of {$520.00} and accept this amount as the final and complete payment for the debt. Once the agreed amount is paid, a full discharge and settlement of all outstanding monies will be executed, subject to the following terms : Payment terms : Six monthly payments of {$88.00} due on the XXXX of each month
Product: Mortgage

In XXXX during the original offer to purchase the home I have paper work that shows a {$50000.00} down payment for a home worth {$500000.00} equaling XXXX mortgage. During the closing I was given the paperwork to sign that included a home equity line of credit that I was never told about or even know existed along with its terms ( such as interest rates, repayment structure, and type of loan ), was not disclosed or explained to me. No one from Wells Fargo or its representative explained the terms of this 2nd loan specifically. I feel that I was taken advantage of not only because I'm a Spanish client, but the fact that the Wells Fargo rep was fluent in Spanish and never explained this to me. 

The closing was on XX/XX/XXXX and although I acknowledge that I did sign I was never told this was a 2nd loan for the purchase of the home. Based on the paperwork I was provided from Well Fargo on last month, I found that initial Interest rate of XXXX which was told at the time I would have never agreed to. I was just told to sign but I was under the impression I was only signing for a traditional 30 year mortgage. This was a HUD loan. 
Soon after I found out about his loan and I continued to pay the loan in fear of my credit being affected. I contacted Wells Many times over the years and they only now provided some assistance with this issue. I've also found many legal cases against that were relevant to my issue in my opinion I've opened a case with Wells Fargo which they responded in XXXX which they take no responsibility in this case and offer a {$50.00} check as compensation of some kind. I have not and will not cash this check as I'm not sure what it represents.

I'd like to point out the main violation in my case : 1. Failure to Disclose Loan Terms : The terms of the line of credit were not included in the Truth in Lending Act ( TILA ) disclosures or clearly outlined during the closing process.

2. Potential Predatory Lending Practices : I believe I was misled or deceived about my financial obligations, as critical details were withheld.

3. Lack of Transparency : I was not informed whether the line of credit was fixed or variable rate, nor was I made aware of any fees or risks associated with it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I informed the credit bureau that I have incorrect and inaccurate information on my credit report regarding XXXX XXXX XXXX XXXX XXXX. I sent supporting documents and have not heard back from them. This item must be deleted because collection company, XXXX XXXX, are requesting that I pay {$160.00}. The question is how much did the collection company pay for this item, I don't know and neither does my credit report reflect such an amount. I am exercising my rights, because this is clearly a violation of the FCRA, section 609 and 611. It is not accurate nor is it complete. Therefore, delete this item from my credit report.
Product: Debt collection

Get those unauthorized accounts off my credit report now! Other bureaus fixed it, so can you. Stop messing with my credit delete those accounts immediately, or face legal action. I won't tolerate your delay in fixing this act now! XXXX XXXX Opened Date XX/XX/2013 XXXX {$0.00}. Please DELETE.
Product: Debt collection

I have never received any information about final bill when I call they have no records of my information to prove that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that XXXX made an inquiry on my credit. I called XXXX to inquire as to why and I was told they had not made an inquiry on my credit. It is on my credit report that on there was an inquiry made on XX/XX/2018. I did not apply for anything with XXXX. This inquiry was also made in Washington state, I do not live in Washington.
Product: Debt collection

I continue to request validation of this account and I have yet to receive it. 
Where is the original account with my signature so I can view it for myself?? 
This is hearsay and validation has not been provided. 

As I looked further, the " estimated month and year this item will be removed '' date is inconsistent across all three major credit reporting agencies. The information should be the same. This alleged account should be removed immediately due to inconsistent reporting and what seems to be considered re-aging the account. 
Cavalry Portfolio services has not validated this alleged account and can not continue to report inconsistent information.

I also see that different contact info is shown. If I wanted to contact Cavalry Portfolio Services, I would not know which address to send my dispute to.

I am submitting exhibits to show that Cavalry Portfolio services did not report consistently and appears to re-age this alleged account.

I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported.
Product: Credit card or prepaid card

LETTER TO CREDIT CARD COMPANY Customer Service Comenity Bank XXXX XXXX XXXX XXXX OH XXXX XX/XX/2022 Customer Service Comenity Bank XXXX XXXX XXXX XXXX OH XXXX RE XXXX XXXX  Account Number XXXX  Dear Sir/Madam : I opened an account with XXXX  sometime a couple of months ago. I do not speak much XXXX. My native language is XXXX. My husband is assisting me with writing this letter. 

I have received two statements in the mail. On statement dated XX/XX/2022 shows a balance of {$88.00}. There is a carryover balance of {$56.00} but I am not able to locate the previous months statement. The next monthly statement dated XX/XX/2022 shows a balance due of {$130.00}. 

We called your customer service phone numbers multiple times this past week. During all calls, the voice message stated there was a high call volume and please use the internet to access your account. I tried register and access the account on the internet at the log in page but the account is not found. 

When I called the customer service number either there was no person we could speak with and only automated service was available, or the phone tree ended and the line was cut off. My husband and I spoke with a couple of more representatives at customer service and no one was able to locate the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seconds XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minutes We called on XX/XX/2022 and spoke with a representative who eventually escalated our issue to a manager. The name of the manager is XXXXXXXX XXXX XXXX XXXXXXXX. We asked XXXX to locate the account and give us the status and to help us access the account online. XXXX was unable to locate the account. XXXX were told there is a computer error message but never explained what that message was and there is nothing more we could learn about my account. What a dismal failure of customer service! 

Since the account does not exist in your system then where are these statements being printed and mailed from? Since we are not able to access the online information we are not able to review any of the charges in detail. Therefore we are unable to exercise any of our rights under Federal Law because we can not see the transactions and dates due to the account being non-existing. 

I dispute ALL charges on all statements since the opening of the account. I dispute ALL late fees on the account since the opening of the account. I dispute ALL interest charges on the account since the opening of the account. 

In good faith I sent a check in the amount of {$130.00} representing the balance due on the statement dated XX/XX/2022 to : COMENITY BANK-LOF MASTERCARD XXXX XXXX XXXX XXXX TX XXXX Im hoping the payment does not go to some fraudulent mailbox and I lose my money. The service experience was unsatisfactory and the fact your company can not locate my account is unbelievable.
Product: Credit reporting

my name is XXXX XXXX and i currently reside at XXXX XXXX XXXX XXXX XXXX XXXX.as i was reviewing my credit report i notice there are items listed on my credit report.that does't belong to me.i want to verify that my name is spelled XXXX XXXX and not in any other way.the only credit card that i had applied are from XXXX account # XXXXand XXXX account # XXXXalso.the only adresses that i lived are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are credit cards listed on the credit report that i had never applied before nor had i lived on the adress that listed on the credit report. 
please remove all other items that did n't belong to me. 
thank you for correcting my credit report. 
your help is greatly appreciated
Product: Credit card

A card was opened through Capital One without my knowledge on XX/XX/year>. On XX/XX/year> I froze my credit, disputed the hard inquiry through XXXX, and reached out to Capital One to report the fraud. An investigation was opened, no further info given.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Equifax and spoke with a representative named XXXX about why this unverified inaccurate Bankruptcy was not removed from my credit report, after sending them the supporting documents from XXXX. After speaking to her supervisor she suggested that I call XXXX and have them submit something by fax saying they DO NOT have this bankruptcy on my file. I immediately called XXXX and spoke with a representative by the name of XXXX ( ID # XXXX ), she informed me that Equifax can access their data base and see anything they needed. XXXX wanted to investigate the issue more and asked to call me back within 24hrs.  On XX/XX/XXXX while waiting, I called Equifax back and spoke with a representative named XXXX, she said in order to have this bankruptcy removed from my credit report XXXX needs to send them the code to have it removed. While on the phone XXXX from XXXX called back at XXXX and said once Equifax submit the dispute then they will respond to them and give them the information needed to remove it. 

This bankruptcy has been disputed multiple times since XX/XX/XXXX, when I received the resolution letter from XXXX. XXXX and Equifax need to stop playing the blame game and remove this from my credit report.
Product: Debt collection

I attempted to resolve & negotiate credit debts thru Corporate Turnaround back in XXXX of XXXX. I provided all amounts owed with contacts including phone numbers, account numbers & balance owed. At that point they started deducting {$1600.00} a month, as the months went by I started receiving collection notes, then it went on to more aggressive means as I started getting served by the courts for creditors that had been provided to CT when they started receiving funds. I sent all summons & letters to CT believing they are handling my accounts for me. I started questioning what is going on & why did it get to the point of me getting served by the courts when CT has been deducting funds to negotiate & pay my creditors for many months ( about a year almost ). I asked for reports for many months from XXXX XXXX in which I would never get anything sent as to what the progress was. I requested many times for report as to what was paid to creditors. I finally received a report XX/XX/XXXX from XXXX who stated he was the new account rep, I immediately explained to him my concerns & wanted an explanation of where my funds have gone. XXXX sent report reflecting {$18000.00} that CT had deducted from our account. The report reflects CT is holding on to almost 50 % of the funds due to inactive debt which XXXX explained these are accounts that closed with no effort to reach out to my creditor. I took it upon myself to call all creditors & they said no one from CT has ever reached out to them to negotiate, they had no idea any company was involved to negotiate debt or work out a payment. The only ones who did get a call was XXXX, XXXX XXXX XXXX out of 8 creditors that where submitted. I have requested to date from CT to provide me with what exactly was paid & to which creditor it was paid to. I am still waiting for the report. It makes no sense for me to get served more than 3 times by the court when CT should have been handling all the creditors from the get go. Now as a result of CT negligence the balances & fees with these companies are much higher than when I submitted, they have caused more issues & made the debt worse then it was before I started out. They did not provide the services they advertise for debt relief, they made my situation worse. I need CT to take accountability & resolve the debts with the {$18000.00} they have received so far & provide proof they have resolved my debt with a feasible debt solution.
Product: Checking or savings account

PNC actively refuses to connect with XXXX, citing security issues, but is simply not true. There are articles on their refusal to work with XXXX in favor of their own competing service. Competing service is fine, but their reasoning does not hold, so they're covering up under a " sounds nice '' excuse.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CITI ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per XXXX XXXX Code XXXX. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Checking or savings account

I have my account thats closed months ago and i have not recieved the balance amount check from bank till date. 
I have already wrote the complain previously and i was given a number to contact but whenever i tried to reach them the extension never answers not call back.therefore i request your plateform that please ask the bank to transfer the fund in my other account provided and dont send gain time tactics to avoid wasting my time. 
Account details are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX ACH routing number XXXX Wire routing number XXXX Bank name and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Please i request you to tell the bank to make transfer to my external account