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

I have filed disputes with Experian for the last 6 months and they are not investigating or sending method of validation as I have requested. They are refusing to investigate claims that are not valid. This statement is on my credit report : XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED  FOR 1 YEAR BEGINNING XXXX. Experian has permitted inquiries which I have not authorized as I'm not trying to obtain credit because I'm in the process of disputing items that are not correct and this statement clearly states that Experian should not allow this to happen and I would like them removed. I have disputed two Bankruptcies : US BKPT CT IL  XXXX XXXX XXXX Bankruptcy ChapterXXXX-petition filed Original filing date : XXXX XXXX, XXXX Latest status date : XXXX XXXX, XXXX US BKPT CT IL XXXX XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX and they are not investigating these or verifying they belong to me. The courts do not verify information and XXXX obtains public information which they state may not be  correct. I have contacted XXXX and my account in frozen with them and can ; t be accessed so how is Experian validating information XXXX says may be incorrect because they can't validate this information as stated on their website and dcoumentation they send you. I have 19 inquiries and I have not authorized any of them and would like them removed and several are from the same company multiple times.Experian is allowing these companies to update my credit reports based off information in the disputes that I'm providing during my disputes instead of deleting them for inaccurate information. They are not investigating XXXX  but allowing them to update an account that is  charged off with dates that don't make sense or add up. Experian is allowing inaccurate information to remain and are providing the companies with the disputed information to allow them to update my report incorrectly instead of deleting the information. I have not filed bankruptcy but Experian is reporting that I have and have listed two accounts as being in bankruptcy but yet XXXX  is not included. This  misinformation is enough for the bankruptcies and the XXXX XXXX, XXXX and XXXX  accounts to be removed. I would also like the method of validation not verification but validation per FCRA to be mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX 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: Checking or savings account

XXXX and XXXX took money from my account unauthorized. XXXX allowed someone to dispute money that they owed to me and it was withdrawn from my bank account. When I reached out to them they were of no help. This person had a disputed over {$4000.00} that they sent to me. They had sent this to me due to some personal things I was handling for them. ( She left her email login on my laptop and I do have the emails of her reaching out to her bank and they closed her account due to fraud ) I reached out to my back and they told me they couldnt do anything that cash app had to do it. So I was left with no recourse as I got the run around. 

With XXXX, someone sent my ex money to our shared account and XXXX unsure if they didnt have the funds or what but it was approximately {$60.00}. I didnt even know how to reach out to XXXX XXXX We broke up but still using the account and I didnt want to speak to him so I took the loss
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

On XXXX XXXX, Fulton bank closed my about XXXX XXXX XXXX checking account and held {$340.00} in my account without noticing me. They might contact me by my old phone number. I don't know. 

Then I called them for my {$340.00} several times. XXXX told me XXXX XXXX closed my account and left no information to XXXX. XXXX tried to reach her many times. She was not at her desk. On XXXX XXXX, I called again. XXXX gave me her number XXXX I called her.. no one answers. This is kind of fraud by a bank.
Product: Credit card or prepaid card

To Whom I t May Conc er n : Amazon made an unauthorized purchase/auto-billing from my Amazon Store Card o n  XXXX / XXXX /  XXXX   ( affiliated with Synchrony  Bank ) for Amazon Prime Renewal (   {$100.00} see  XXXX _Amazon_Statement ).     I have used my  XXXX   XXXX   XXXX  debit/Visa card in the past to automatically renew to  my Amazon Prime m embership ( see  XXXX _ XXXX _statement  XXXX  ), which is still in good standing and not expired. The only logical reason that  Amazon would bill their store card without my authorization was that Amazon was  hoping to help its affiliate Synchrony Bank cash in on their 26.49 % APR ( see  XXXX _Amazon_Statement page  2 ). To make matters worse, the Amazon store c ard is set to a default setting to receive no text or email ( see  XXXX _Amazon_Account_Summary ), so it will go unnoticed by the consumer and surprisingly, Recurring payments is set to off which begs the question, why was I charged with that setting on? Please see   XXXX  _Amazon_Account_Summary.   I was charged with a late fee ( on  XXXX / XXXX /  XXXX   see   XXXX _Amazon_ XX/XX/XXXX _statement ), be cause I was not aware of the unauthorized transaction that took place over a month ago.     I am concerned about this happening on a larger scale aimed at hurting consumers and that the risk/reward factor greatly benefits  Amazon and its Affiliate bank Synchrony to harass its customers in this way. I have been on the phone with Amazon and Synchrony today (   XXXX / XXXX /  XXXX    ) to try  and resolve the issue.
Product: Debt collection

I rented an apartment at XXXX XXXX XXXX, I have an autistic son ant the neighbor start complaining about my son noises during the night, neighbor come into my unit apartment knocking in law manner disturbing my son with the yelling and at the same time the management department was asking me for my son not to do that much noise, which I ask them to move me into a first floor in consideration for a disable person, they did agree but never resolve the acomodation, which force me to move out from the complex. 
Management treaded me to affect my credit with out offering me any other option so I have to look for my son 's well bein and metal stability. 
I do not recognize this charges at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked lexisnexis not only to verify the accuracy of the bankruptcy on my file but as is my right I requested the method of verification ie how the accuracy of this item was sourced ... To this they have not provided this information. 

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. 

Please provide the information we requested ...
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo, my vehicle was repossessed and when the car was sold there was a surplus that was to be given to me in the form of a check. I never received the check and was told they would send it out again and still I didn't receive anything. I called the auto loan department again to resend the check and they informed me that it had already been cashed, and I informed them I wasn't the one who cashed it and they said they couldn't help me since the check wasn't deposited to my account. When I asked to speak to the check fraud department and they said they didn't have a department for check fraud. The only information they could give me was the check number and the date of when it was cashed. I asked if they could tell me who the check was made out to and where it was cashed so that I could file a police report. They still didn't give me any information and weren't helpful at all. The keep telling me the same thing, and haven't given me any information for me to be able to file a police report. I have been dealing with this issue since XXXX of 2021 and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  Equifax indicates that it is up to me to provide information to them regarding hard inquires for 2 XXXX hard inquires on my credit report. Also, on XX/XX/2021 after specking with Equifax over night my credit score dropped XXXX points? Also, three derogatory remarks have also been placed on my report. I was told by " consumer Affairs '', to file a police report. A score can't drop XXXX point 's in just one day? I find this suspicious that this happens after I contacted Equifax to file this dispute. Also, XXXX a supervisor did tell me I have to report my new address to each agency, if I ever move? That is not true, I was informed by the " CFPB ''. I was at XXXX on XX/XX/2021, but overnight it went down XXXX point 's, how can that happen? All the other agency I have a outstanding credit score 's. it has been over thirty days, I need this to be corrected, this has been disputed before. I did not want to go to the police or file a complaint with the " CFPB '' or " Consumer Affairs ''. I have also been advised that I might have t file a complaint with my State Attorney General. 

A gentleman in the XXXX and a gentleman named XXXX refused to dispute the hard inquires. They told me I had to get an attorney with my notarized signature to have them removed. 

I told them that I HAVE NOT applied for service with XXXX and that I want the hard inquires removed. They both refused to file a dispute with their employer regarding these inquires. XXXX has NO records of me applying for service. I have been on the phone for over 40 minutes trying to get someone to help me.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim I owe {$11000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 


Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document DOES NOT constitute verification. And also you are reporting an inaccurate address which means i have never received any mail from webber about an alleged debt that i owe them. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. whats attatched... XXXX complaint your " proof '' Dispute Letter.
Product: Money transfer, virtual currency, or money service

Paypal refuses to close my Paypal account and provide me assistance with closing my account. I called Paypal on XX/XX/2022 twice, once at approximately XXXX and again, XXXX. I got hung up on two times and had to call back.

I called to request to close my account both times and I was told that I have a pending crypto balance in my Paypal account and this is the reason I could not close my account, However, both times when allegedly transferring me to the Cryto department of Paypal to assist with closing the PayPal account, I was hung up on.

Thus, I am unable to close my Paypal account and unable to close my crypto account with Paypal.
Product: Debt collection

This fraudulent account has been disputed along with an information file with federal trade commission. This is not my debt and should be removed now. They are breaking the law trying to collect this debt and keep it on my credit reports
Product: Credit reporting or other personal consumer reports

I CHECKED THE DATA BREACH FROM XXXX AND MY NAME AND LAST XXXX WAS INCLUDED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian received a copy of a letter from XXXX XXXX  stating the account is in good standing however, it is still being reported ad late and Experian will not update my credit file.
Product: Debt collection

On XXXX XXXX, 2015 I was contacted at work at XXXX from a debt collector rep named XXXX from Apple Recovery LLC. He did ask to verify my information before proceeding forward. I then told him about a minute and a half into the conversation to not call me at work again and during my work hours. Also to send me a validation of debt to my home address and I will contact him when I receive it. I verified my address. 
On XXXX XXXX 2015 around XXXX I was contacted once again from XXXX XXXX Apple Recovery LLC . I told him to not call again and I already told him before not to call at work. He stated he did not recall that conversation and wanted to speak with me so I can verify my home address. 
I contacted Apple Recovery LLC, explained my complaint and spoke to a supervisor. He stated they do not have my business phone number on file. 
I have a recorded phone call conversation when I told the rep to not call back.
Product: Credit reporting

On XXXX separate occasions letters requesting a free credit report were sent. A return response from company was that I would have to pay for the report. The request ( s ) were after the 1 year wait period and to my knowledge no report was requested during the 1 year wait protocol.
Product: Mortgage

I am selling my house, set to close on XXXX XXXX. I have an insurance claim out due to hail damage and am getting a new roof and gutter, which needs to be complete before the house closes. The contractor and I followed all the mortgager rules to the " T '' to get the insurance check to them including a pre paid envelope to ensure the check to the contractor and I gets back to us in 5 days. We were ensured everyday that is would be mailed to us on XXXX/XXXX/15. That did n't happen, we have called everyday since and someone says it 's going out today you 'll have it tomorrow to we ca n't use the envelope you sent we have to use a different one. They say fed ex has it and I talked to fed ex and they do not have it, they said they have not been called to pick it up. I called and talked to a manager, XXXX, today and he assured me that he or someone would walk to the mail room make sure it is really there and going to be picked up today and they would call me back. Three hours later, I finally received a call from XXXX and she said she took it there yesterday herself before time for XXXX to pick it up, so she does n't know what else she can do. She said she ca n't make it to the mail room to check before they close. So right now, we do n't know where the money is, if it is coming, and if not can I still sell my house while the monies are out there somewhere? I have always paid my mortgage on time, and I feel that right now Flagstar Bank could n't care less about a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting my credit score to XXXX XXXX, XXXX  and in general. My debt to income is in good standing and when the other credit bureaus went up 16 points when I paid off a credit card Transunion went down 16 points instead. This is negatively impacting my Tranunion credit score as it is incorrect. Also all Transunion staff is offshore very hard to get them to get understand the problem.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2, I demand the immediate deletion of the account associated with XXXX XXXXXXXX XXXX from my credit reports with Experian, XXXX, and XXXX. It has been four business days since I presented the Federal Trade Commission ( FTC ) report identifying this account as fraudulent. 

Under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving an identity theft report. I have diligently provided the necessary documentation to support the fraudulent nature of the XXXX XXXX XXXX account. 

This statutory provision is clear in its mandate, and the failure to comply within the specified timeframe is a violation of federal law. I emphasize the urgency and intensity of this matter. The account must be promptly deleted to rectify the harm caused and to ensure compliance with the Fair Credit Reporting Act. 

It is crucial to note that I am fully aware of my rights under the law, and any further delay or non-compliance with this request will leave me with no alternative but to pursue legal action. I am prepared to take legal measures to address this violation, including filing a lawsuit seeking damages for the willful non-compliance with 15 U.S. Code 1681c-2. 

I expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of compliance with the specified federal statute.
Product: Debt collection

On XX/XX/XXXX I received a letter from Affiliate Asset Solution, LLC collecting a debt for XXXX XXXX XXXX. of XXXX. IPer the Fair Debt Collection Practices Act I wrote a letter asking them to provide proof that XXXX XXXX XXXX XXXX XXXX make an attempt to claim my Health Insurance for services rendered on XX/XX/XXXX. I also request they stop calling until the information is provided. I mailed the letter certified on XX/XX/XXXX. According to the tracking number XXXX XXXX XXXX XXXX XXXX the letter was delivered and sign by Affiliate Asset Solutions LLC on XX/XX/XXXX. <P/>Today, XX/XX/XXXX I received 3 calls from Affiliate Asset Solution LLC even after I requested in writing to stop. I contacted Affiliate Solution and spoke with " XXXX '' which she attempted me to confirm personal information over the phone without providing her last name and employee id number. I gave her the account number and she confirm they " remove '' my phone number of the list so I told her that since she confirmed receiving the letter when can I expect they will provide the information I requested and she stated that they will not provide me with anything until I verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter to Experian, explaining the laws that are being broken and the errors that are made in my consumer report. I didn't receive any notification of an investigation occurring, nor did I receive any updates to my reports. This continues to affect me daily and portrays me as a person that does not honor commitments through these erroneous errors on my report. This defames my character and affects my access to good jobs and better housing. Please assist so I can have an accurate report.