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

I completely disagree with the results of this Company. The account I listed still remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor ( s ) documentation on file to verify that this information is indeed mine and is correct. In the result of their previous investigation, Experian stated in writing that this account was verified as accurate? They also mentioned that they are not required to reinvestigate this item. 

I also went ahead and contacted the court, and they mentioned that they do not provide information to any websites, internet search engines, third parties, and/or any credit reporting agencies. Experian must provide 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 1681e ( b ).
Product: Checking or savings account

On XX/XX/XXXX, check # XXXX was cashed by Bank of America in the amount of XXXX payable to XXXX XXXX or XXXX. This check was originally written on XX/XX/XXXX in the amount of {$58.00} to the XXXX XXXX XXXX The check was altered, and XXXX XXXX  was notified on XX/XX/XXXX at which time a claim was filed. The claim number given by XXXX XXXX for the investigation to Bank of America is XXXX. 

We have tried repeatedly to contact Bank of America both through XXXX and directly. On XX/XX/XXXX, XXXX received an e-mail from Bank of America stating that the investigation was ongoing and would be resolved within 90 days from the original filing date. 

As of XX/XX/XXXX, the last communication from Bank of America was that resolution would be within 120 days from the filing date. Bank of America keeps pushing the date back and that is unacceptable,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau Experian, and XXXX   by certified mail to verify the accuracy of the accounts they claim I owe a balance to. They were last contacted on XXXX XXXX, 2018 and numerous times prior to that via certified mail. Since then, they continue to reply that they have verified that the account belongs to me with no valid proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake financial is still reporting a balance on a settled account to XXXX. 
The account was settled nearly three months ago and should have been updated by now. 
This is making it difficult to secure a loan and hurting my credit scores.
Product: Credit card

I am disputing a late fee and possibly any negative credit reporting that resulted from the company failing to send your billing statement at least 21 days before the payment due date, as required by 15 U.S.C. 1666b. 
The account is XXXX XXXX XXXXXXXX My dispute specifically claims that : The company did not mail or deliver your statement to me.
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE THROUGH XXXX. THEY RAN AN INQUIRY TO GOODLEAP LLC AND FOUND THAT INFORMATION WAS CORRECT WHICH IS NOT.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute a debt of {$240.00} that has been erroneously charged to me and is currently under RMS Collections Co. for collection efforts. The debt in question relates to healthcare insurance coverage purportedly provided by XXXX XXXX. 

In XX/XX/year>, I contacted XXXX XXXX and informed them that I no longer required their coverage as my new employer provided me with medical insurance benefits. Despite this notification, I was charged for services that I did not receive or need. 

I request that you : Investigate this matter thoroughly and validate the debt. 
Provide documentation that substantiates the validity of this debt. 
Remove this debt from your collections and ensure that no negative impact is reported to credit bureaus as a result of this error. 

To resolve this matter promptly, I kindly ask for written confirmation once the erroneous debt has been removed from your records and any necessary corrections have been made to my credit report. 

Thank you for your attention to this important matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian should remove the following accts ... XXXX  XXXX ... XXXX XXXX XXXX ... .XXXX XXXX XXXX ... .XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Transunion about the inaccurate reporting of inquiries on my credit report and that I would like them to provide documentation on how they verified my information. I have not received a reply from Transunion and at this point, I feel as if I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) states that the CRA must conduct a reinvestigation of any item of information in a customer 's file if the customer alleges the item is inaccurate. If the CRA does not conduct a reinvestigation items must be removed from an individual credit report within 30 days. This inaccuracy that Transunion is reporting to my account should be deleted promptly or I will file for litigation for the stress they have caused me, my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a faulty telephone device from the company and when I tried to return the device I was informed I needed to return it to the manufacture and that I would be without a phone during this time I at the time could not be without a phone. I then went to another provider and received service I do n't feel that I should be responsible for payment on a defective device
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit report. Despite multiple efforts on my part to rectify this situation, the corrections have not been implemented, adversely impacting my financial standing.

I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these attempts have not resulted in the desired corrections, and the fraudulent information continues to negatively affect my creditworthiness.

The existence of these fraudulent items has caused significant challenges, hindering my ability to secure favorable interest rates, obtain credit, and engage in essential financial transactions. I have diligently followed the established procedures, including contacting your customer service department, yet the promised corrections have not been made.

I understand the importance of maintaining accurate and reliable credit information, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused considerable distress and hindered my financial well-being. 

In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Checking or savings account

On XX/XX/2021, my Simple bank account was converted to a BBVA account. We were notified about this months in advance, so I checked my balances before the conversion, wrote down all my account information & downloaded the BBVA app so I could access my account. 

On the day of, I could NOT get into my account at all. Despite assurances that everything remained the same & we could access our account with no issue, I was blocked from getting my money. Fellow customers reported that customer services were inaccessible or had waits well over an hour before calls were disconnected. I left a comment on the company 's XXXX page that was never answered, as did many other Simple customers. Today is the XXXX & all the company has done is post XXXX statuses saying they extended customer service hours & put out automatic replies. This is the problem, we need live people!!! Preferably ones that aren't rude to us on the phone when we have legit concerns. Some people have all of their money tied to a BBVA account. 

I immediately transferred all of my money out since I knew how much I had saved. Even though I finally have access now, I don't feel comfortable banking with BBVA & I will be closing my account as soon as I verify that my paycheck does NOT go in there!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 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.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX XXXX XXXX, and accounts connected to XXXX and XXXX, which I do not recognize. These accounts are potentially fraudulent and were improperly re-added to my credit report without providing me the necessary documentation to investigate or validate the legitimacy of the charges. 

Here are the key issues : XXXX. Re-addition and Re-aging of Fraudulent Accounts : XXXX allowed XXXX XXXX to re-add previously disputed and deleted accounts related to XXXX and XXXX. These accounts were previously removed due to a lack of validation. I have provided evidence of potential fraud, but they were still re-added without a proper investigation or verification of my disputes. Additionally, the accounts have been re-aged, which violates the Fair Credit Reporting Act ( FCRA ). 



XXXX. Negligence in Addressing Identity Theft and Medical Incapacitation : I filed an FTC Identity Theft Report and provided proof of my medical incapacitation ( including a hospice certification ). During this period, numerous individuals had access to my devices and personal information, making it impossible for me to monitor accounts. Despite this, the creditors and XXXX ignored my incapacitation and the identity theft report and closed the case without addressing the fraud or providing any documentation to help me investigate what could have happened. 



XXXX. Failure to Provide Transaction History : I have repeatedly requested full transaction histories for these accounts, including merchant details, dates, and authorization records. This documentation is necessary to determine whether the accounts are legitimate and meet the standards for filing a police report for identity theft. Instead of providing the necessary records, XXXX XXXX continues to send incomplete validation documents that only include the account balance, which proves nothing. Without seeing transaction-level data, there is no way to verify who made these charges. 



4. Exploitation of My Vulnerable Status : I am currently judgment proof following bankruptcy, and my ongoing health issues make it difficult for me to engage in lengthy disputes. XXXX XXXX, XXXX, and XXXX are exploiting my vulnerable status by failing to provide documentation that would allow me to investigate potential fraud. They have been provided with ample proof of my situation but continue to ignore the requests for transaction histories. 



XXXX. Continued Violations of the FCRA : XXXX XXXX is engaging in delete and re-add practices and manipulating balances and account dates without explanation. This violates the FCRA as they are re-aging the debt and adding previously disputed items without any new evidence or validation. The lack of transparency and refusal to provide meaningful verification is unacceptable.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Mortgage

The PMI was not automatically removed from my account when it reached the 78 %  LTV ra tio. The origional loan amount was for {$190000.00}. On  XXXX / XXXX / 2016  the remaining principal balance was {$150000.00}, just below 78 %. Since then they have still charged me {$97.00} every month for the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Good evening, I recently closed on my very first home on XX/XX/XXXX. With all the excitement and incentives received on my behalf was a Blessing in so I thought. As of today XX/XX/XXXX I have yet to receive the Realtor Rebate to pay off my early termination fee for my apartment. This noted on my closing disclosure and documents Ive signed throughout this process prior to completing the closing. 

As of XX/XX/XXXX, I turned in my keys to my apartment complex and found out that they have yet to received the realtor rebate. 

I contacted my realtor at XXXX XXXX and continue to ask whats going on. I was referred back to the XXXX XXXX XXXX XXXX. 

Someone is passing the Buck. 

I paid a visit to the title company DHI to be informed that the information was wrong and they dont know what to do or what happened and that the credit was there but was not billed. 

This is a very big issue for me, because this could go against my credit on none payment of early termination. 

At this time I feel that the company is giving me the run around and not fessing up to the truth to what happen and what they will do. 

The realtors broker tried to contact title on several occasions to be informed that no one is in. 

What I want to happen from this complaint is a check in the amount of {$2700.00} to be paid to the perspective company on file. 

XXXX XXXX XXXX is and has been in receipt of all pertinent documentation for this process. i.e. XXXX and invoice of the companies information. 

I need this transaction to be processed before early part of XX/XX/XXXX or sooner. 

Your assistance to this matter is very much obliged.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXXXXXX As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXXXXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

This company has violated my rights under the FCRA and the FDCPA. This company has violated my right of privacy under 15 USC 1681 a ( 4 ). This company has continued to report adverse information without my consent and this has violated my right of privacy for them to continue to report information that is private to me and this has caused me great XXXX. This company has also violated statute 15 USC 1692g and has failed to validate this debt in a timely manner as stated by law. I also included in that letter that this company must cease all communication through any medium directly or indirectly with any other company until this debt was validated and they have failed to do that. I am tired of being XXXX  as a consumer and i know my rights. I will not stand for this any longer. I have attached an invoice for every violation that has occurred and i expect to receive compensation.
Product: Vehicle loan or lease

My credit report was involuntarily frozen by XXXX due to its security breach. I applied for a loan today with Ally Bank through XXXX XXXX, etc. in XXXX, AL ; however, Ally Bank wants to charge me 15 % interest with a XXXX credit score. Two years ago I was granted a 12 % interest auto loan with a credit score of around XXXX with XXXX XXXX XXXX. I was told by the finance manager of XXXX  that the reason Ally Bank charged this high interest rate is that my credit report had to be unlocked and that some finance companies penalizes consumers because of this. This is totally unfair to consumers. I did not place this freeze. XXXX  had to place this freeze due to a security breach. What is going on? Most auto interest rates in today 's market starts at or about 3.0 with an average credit score of 640-699.