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

Since XX/XX/XXXX Experian has been in Violation of the FCRA section 605B. As a victim of fraud and identity theft noted on sending my FTC report and police report from XXXX XXXX XXXX not to mention that my information was completely compromised during the XXXX XXXX  Security Breach. Not to mention that my previous roommate used a XXXX Business Card Fraudulently upon reviewing my credit report and countless times of sending the same information from the FTC, Letters with detailed information pertaining to the fraudulent information reporting on my Experian and XXXX  Credit Reports. They removed the incorrect information and then they report that same information again and refuse to comply with the FTC documents that states I have been a fraud breach and Identity Theft victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME FROM EXPERIAN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IN THE ATTACHMENTS ARE XXXX XXXX XXXX XXXX 

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

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX XXXX sold to LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XXXX I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, Debtor purchased debt ( violations : proof of debt with wet signature. ) XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XXXX. Creditor removed collection account from XXXX XXXX XXXX and one time on XXXX only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXXXXXX I Disputed this collection with twice XXXX XXXX Debitor reported the collection account on XX/XX/XXXX with the same account On XXXX XXXX XXXX as of XXXX ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXXXXXX  on XXXX as of XXXX XXXX payment status is late 120 days on a collection account XX/XX/XXXXXXXX Debtor has reported the collection to XXXX ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX XXXX XXXX. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX XXXX XXXX and reported the account as of todays date XX/XX/XXXXXXXX Creditor ( XXXX XXXX XXXX removed from XXXX sold the debt to LVNV and then LVNV reported the collection on my account and did not update in the comment section that an investigation was completed
Product: Money transfer, virtual currency, or money service

I had a pending payment for over XXXX hours. When I contacted zelle they assured me that the funds would be released immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an enormous disparity between my actualbcredit score & the one XXXX  , XXXX  has provided. This has caused the rate on my car loan to be higher than anticipated.
Product: Debt collection

PHOENIX FINANCIAL SERVICES is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt.PHOENIX FINANCIAL SERVICES has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I recently checked my credit report and noticed an unknown debt on my credit report. This negative account in the amount of {$160.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Product: Credit card or prepaid card

I purchased some appliances from XXXX XXXX on XX/XX/2020, found same pieces at another company cancelled my in line order but instead of BOA removing the purchase I got charged again the amount of XXXX. It took BOA XXXX year to remove the double charge and I was charged late fee and interest. I had to write several times to the bank and spoke to over XXXX employees to resolve this matter. Finally, the {$16000.00} was removed but BOA still was charging me late fee and interest then reported me to the credit bureau giving me a bad report to a perfect credit history. 
Now, BOA without telling me just sent my account to a collection agency while I was still sending letters and asking for them to review their overcharges of interest late fees and they even back charged over {$8000.00} of returns I made to XXXX XXXX. This has been a nightmare. Now the bank Ive been doing business with for over 30 years has sued me. Ive had several checking accounts savings account refinanced
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding the handling of my consumer banking account ending in XXXX. I believe that my recent experience with Wells Fargo reflects significant issues in their customer service and resolution processes, and I seek your assistance in resolving this matter. 

In XXXX, I received a notification that my account was being closed due to a random address verification requirement. While I initially received the verification letter without issue, subsequent communications revealed that my correct address was not utilized for further correspondence. This discrepancy resulted in delays and significant inconvenience on my part. 

Furthermore, despite being assured that I would receive a refund of {$420.00} within XXXX business days, I have yet to receive the promised check. Upon inquiry, I was informed that my correct address was not on file, despite it being used for the initial communication. This failure on Wells Fargo 's part to maintain accurate customer information is deeply concerning. 

To compound matters, I received a letter dated XX/XX/XXXX, instructing me to complete a form titled " Replacement of missing cashiers check - Reference PMB account '', which mandates notarization. It is unacceptable that I am now expected to undergo additional steps, including notarization, due to Wells Fargo 's mishandling of my information. 

It has been XXXX  days since the promised refund, and I am still without my money. The inconvenience and frustration caused by Wells Fargo 's errors are unacceptable. As a consumer, I expect transparency, accountability, and timely resolution of issues from financial institutions. 

I request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Wells Fargo rectifies these issues promptly. Additionally, I seek compensation for the undue stress, inconvenience, and financial losses incurred as a result of Wells Fargo 's negligence.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Accounts Due to Identity Theft TO WHOM IT MAY CONCERN, I hope this message finds you well. I am writing to you regarding several negative accounts on my credit report that have resulted from identity theft. I am invoking several provisions under the Fair Credit Reporting Act ( FCRA ) to request the immediate removal of these fraudulent accounts from my credit report.

Under 15 U.S. Code 1681c-2, consumers are entitled to request the removal of fraudulent accounts resulting from identity theft. Additionally, 15 U.S. Code 1692c protects consumers from unfair debt collection practices, which includes the reporting of fraudulent debts. Furthermore, 15 USC 1681 e ( b ) mandates the accuracy of credit reports, and 15 USC 1681 i ( 5 ) stipulates the treatment of inaccurate or unverifiable information, which includes information resulting from identity theft. Moreover, 15 USC 1681 i ( 7 ) outlines the method of verification, which should be employed in cases of disputed information.

Due to the significant increase in fraudulent activities, I am only able to communicate via email or in-person office visits. I appreciate your understanding in this matter.

I have reported this identity theft incident to the Federal Trade Commission ( FTC ) and have been assigned the reference number XXXX. I kindly request that you initiate the process to investigate and remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANXXXX XXXX XXXX XXXXXXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that you may require additional documentation to support my claim. Please inform me of any such requirements, and I will promptly provide the necessary information. 

I trust that you will handle this matter with urgency and in accordance with the FCRA. I look forward to your prompt response and the resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 o 4 a section 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a 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.

Please correct or remove the following payment history ( s ) to either paid on time or delete the entire account from my consumer report without reentry XXXX Correct as Paid on time or remove from report XXXX Account is being reported as 0 % paid, This is a big error that is being reported, I had this account since XX/XX/year>, Account has been paid on time monthly. Please remove from consumer report. 

XXXX I do not own or have any knowledge of this account- Pleasr remove from my consumer report XXXX do not own or have any knowledge of this account- Pleasr remove from my consumer report
Product: Mortgage

Selene Finance LP, an unverified Loan Servicing company and XXXX XXXX XXXX acted fraudulently and deceptively in filing a Notice of Sale to auction our property on XX/XX/year> by falsely claiming that we are in default under a DEED OF TRUST and trampling a weaker party, the American consumers. Contrary to SFL and XXXX deceitful and phony claim, we scheduled automatic payments on time to a Bankruptcy Court appointed Trustee for over a year and never missed a single payment. Selene Finance accepted our last loan payment on XX/XX/year>. Any way the cat is skinned, we are absolutely not in default under a DEED OF TRUST.
Product: Credit card

MY NAME IS XXXX XXXX AND I AM FILING MY SECOND COMPLAINT AGAINST DISCOVER CARD. AFTER NUMEROUS GOOD FAITH LETTERS AND FIRST COMPLAINT, I RECEIVED A FORMAL RESPONSE AND A PHONE CONVERSATION WITH XXXX XXXX IN THE CUSTOMER ADVOCACY DEPARTMENT. DISCOVER HAS FILED A LAWSUIT AGAINST ME THROUGH XXXX LAW FIRM. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies AND FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. MY FIRST LETTER OF FORMAL DISPUTE WAS MAILED OUT XX/XX/2016 AND WAS FORMALLY DELIVERED THROUGH CERTIFIED MAIL XX/XX/2016. XXXX XXXX CLAIMED THE FIRST LETTER WAS RECEIVED XX/XX/2016 WHICH IS NOT CORRECT AND I HAVE PROOF. SECOND THE DISPUTE LANGUAGE WAS NOT ADDED TO MY CREDIT REPORT UNTIL AFTER I FILED MY COMPLAINT WITH CFPB. ACCORDING TO XXXX XX/XX/2016 IS WHEN THE DISPUTE LANGUAGE WAS ADDED TO MY CREDIT REPORT AND ACCORDING TO XXXX XX/XX/2016 IS WHEN DISCOVER REPORTED THEM OF A DISPUTE LANGUAGE ON MY CREDIT REPORT. LAW SAYS IT HAS TO BE 30 DAYS FROM THE TIME THE DISUTE LETTER WAS RECEIVED. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered XXXX, an antibiotic medicine from XXXX XXXX for the amount of {$69.00} using my XXXX XXXX  Debit Card to PayPal at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, telephone ; XXXX - XXXX - Purchase XXXX - Order # XXXX. 

I was notified then by XXXX XXXX that my order of XXXX comes from overseas and could take more than a month to receive so I did cancel the order notifying PayPal and asked for a refund. 

PayPal collected the {$69.00} on XX/XX/XXXX as is found in my XXXX XXXX  statement, but, PayPal did not refund the amount of {$69.00}, although there is a message posted in my PayPal account that the refund must be done no later than XX/XX/XXXX.
Product: Debt collection

Company has refused to comply with validation of debt requests pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Within the 30 day period required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX 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: Credit card or prepaid card

They are not trying to remove the inquires. and they are violating my consumer rights. reached out to them numerous of times and received no response. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719 I PRESUME THATNO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Bank account or service

I have been a bank of America ( BOA ) customer for the past 12 years and that will be coming to an end this Saturday. I already closed one of my account today and the others will be close this weekend after my direct deposit hit my account. I was in the process of purchasing a home long story short ... I was charged {$390.00} for an appraisal, however I felt like the service was not provided. The loan officer never communicated with me throughout the entire process, I sent him several emails asking him what 's the status of the loan and got no response, and at one point I was told that the loan will not be submitted, so YES, EVEN THOUGH I SIGNED THE APPLICATION I WAS NEVER PROVIED THE PROPER SERVICE. I called BOA explain to them and they provided me with provisional credit and within 1 month they deducted the {$390.00} back from my account. I 'm upset at BOA because as my bank they did not protect me, I was charged for a service that was not provided. Especially for the fact that I am a " Preferred Rewards Gold Client '', which is supposed to be one of their best account for high value clients. Oh please!! This is the high value treatment that I am receiving as gold reward client. I called them this morning to find out why they denied my claim and that I would like to resubmit the claim and dispute the same charges and the representative says no because they already denied he claim due to the fact that I signed the application.
Product: Checking or savings account

Yesterday I went to Citizens Bank in XXXXXXXX XXXX to get a mini-statement at the ATM. Instead of a mini-statement, I received a printout stating that my account had been deactivated. My wife and I had made a {$5000.00} deposit the day before so of course I was concerned. I had also linked my company 's XXXX account to the checking account. 
I came home and called the bank and spoke to the branch manager, XXXX XXXX. When I asked her for an explanation she immediately became hostile. In a condescending and aggressive tone, she told me that the {$5000.00} check did not meet XXXX Bank 's standards and that they had therefore deactivated my account and that they would hold on to the {$5000.00} for over a week. When I told her how ridiculous this was ( the check was from our XXXX XXXX account ) she became even more belligerent telling me in front of two tellers and a customer how much money I had in the account. When I asked to have my accounts closed she informed me that it did matter because I only had a few hundred dollars and that Citizen Bank would still hold our {$5000.00} even after I closed the account. 
When we called XXXX XXXX they were baffled. They informed my wife and I that XXXX XXXX was not " holding '' the check. Citizen Bank had cashed the check and debited our XXXX XXXX account. 
So, I closed my accounts at Citizen Bank. And- they now have our {$5000.00} to use however they choose for another week. The branch manager XXXX XXXX yelled my account balance inside the branch with a customer and two tellers in there. That is an invasion of privacy and they are still holding on to my {$5000.00}. We took the same check to a different bank and had no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Grant mercantile Inc has sent me a bill and/or to collections for a medical bill regarding an ambulance service from XX/XX/XXXX. I had XXXX insurance at the time and they paid the bill. I contacted both the collector and the insurance company to reconcile the matter. As of today, XX/XX/XXXX, I received an alert from XXXX stating that I now have a negative item on my credit and that it dropped by XXXX points. I spoke with XXXX XXXX on XX/XX/XXXX. They are resolving this discrepancy. I want my credit report corrected by the collector and also the rating to change accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) purchased acclaimed Debt from Affirm. 
I ordered a mattress from Affirm ( XXXX ) XXXX on their trial period before covid pandemic in XXXX XX/XX/XXXX. I had attempted canceling my purchase before the trial Period ended. Affirm offered a trial extension and I was making payments. I then canceled my interest before ( extended ) trial period ended which included a full refund owed to me. Approximately {$250.00}. Affirm claimed they could not pick up the mattress because XXXXXXXX XXXX. I then stated I was not financially responsible for the mattress, and it could not be billed since this item was canceled. Once the pandemic was over Affirm did not pick up the mattress and therefore illegally sold this alleged debt to XXXX. I had made numerous phone calls and emails to both companies and have been the victim of pass the buck refusing to remove this incorrect delinquency from my credit bureaus. 

I contacted XXXX ( Affirm ) ( XXXX ) XXXX on XXXX XX/XX/XXXX and explain this entire matter. I do not owe XXXX ( {$1200.00} ) any money because I have no financial obligations to XXXX. My XXXX purchase was canceled ( XXXX ) my previous phone calls and emails to Affirm. I sent an email to customercare @ XXXX XX/XX/XXXX only to get automated response messages and pass the buck again to XXXX.