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

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked on multiple occasions that Caine and Weiner AND XXXX provide ALL THREE of the following : 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( CAINE & WEINER ) the exact amount claimed. 

Unfortunately, they never provided me with this information that I requested, specifically asking HOW they validated this debt. Instead, they keep adding this account to my credit report preventing me from improving my credit report among other financial obligations that I have and am trying to obtain. 

The dates that I sent letters regarding this instance are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are claiming I owe Caine and Weiner {$170.00} and reporting on my account, " meets FCRA requirements. '' No, it does not. It can't meet FCRA requirements if you can't validate the debt and show proof. 

If I am not mistaking, the FCRA requires that ALL data reported on a consumer must meet 3 very specific criteria : it must be 100 % accurate, 100 % verifiable and 100 % timely. Since they failed to provide me the information I requested, this is not 100 % verifiable and my credit report and character is being played with.
Product: Money transfer, virtual currency, or money service

Last XXXX I made 2 deposits on the eToro USA LLC platform, XX/XX/2021 {$9800.00} and XX/XX/2021 {$9100.00}, which adds up to {$19000.00} to invest in and this company from XXXX XXXX  have blocked my funds claiming that they needed to verify my identity, I have sent them videos, selfies, bank statements of the account where the funds were debited and to this day after 1 month I practically do not get a concrete response from my money, I am desperate, this situation has become frustrating for me, I need help with this problem, I have done everything they have asked me and they do not solve anything, I want my money, I do not want a relationship with eToro USA LLC after what is happening.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX, an auto loan open at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a mortgage loan opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a bankruptcy filed with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the case number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online with transunion over XXXX collection account with the amount of {$1100.00} on XX/XX/XXXX. I have received no response from them regarding their investigation. Through my online transunion account, it lists the completion date as XX/XX/XXXX. Today is XX/XX/XXXX. I also have a collections account still showing on my transunion report as delinquent that was paid off in XX/XX/XXXX in the amount of {$100.00}. Both of the collections accounts that are in question were removed by XXXX  and XXXX. 

Having an open dispute with them is preventing me from viewing my credit report and also from opening additional disputes for other collections accounts that have also already been removed from XXXX and XXXX 

I am trying to prepare for first-time mortgage qualification and this matter is severely hindering my progress.
Product: Mortgage

I have a mortgage with Carrington Mortgage Services , LLC . I submitted a written request to have the MIP removed in XX/XX/XXXX. I was informed that I did not meet the UPB requirement and that the MIP would drop off when UPB was {$120000.00}. I continued to be charged MIP beyond that UPB, and subsequently paid MIP, for 6 more months. Each month when I spoke to a Carrington rep about it, I was told, " It is scheduled to be removed next month ''. I finally submitted a XX/XX/XXXXcomplaint in XX/XX/XXXX at which point I received the attached letter ( from XXXX XXXX, Customer Advocate Dept )  stating that I would be refunded {$210.00} for 4 of the months. Again, I paid MIP for 6 additional months totaling {$320.00}. I was also told that the refund should be expected within 90 days.

After leaving 3 messages for XXXX XXXX between mid XXXX and late XXXX, without a response, I finally got a call from her on XX/XX/XXXX. She stated that the MIP had already been refunded and the check cashed. She provided me with a copy of the canceled check which was for {$100.00} ( issued on XX/XX/XXXX ). 

It did not seem right to me at the time and it was not until I was able to further investigate that I was able to find an escrow analysis statement, also dated XX/XX/XXXX, that showed a surplus and refund of {$100.00}. This document is attached to this complaint as well. 

I have yet to receive the MIP refund of {$210.00} ( should be {$320.00} by my calculations ) which I was told I should receive by mid XX/XX/XXXX. Furthermore, if I did not have a slight idea as to how all of this works, I would have chalked it up to XXXX XXXX providing me with correct and accurate info and would have walked away ( as most people would ) losing {$320.00}. The number of time I have been provided with inaccurate/incorrect information is appalling and borderline criminal. I'm sure a lot of their customers are in a similar position and are being taken advantage of.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled XXXX  XXXX account number XXXX | XXXX. that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM THE VICTIM OF IDENTITY THET I HAVE PROOF AND I ALSO HAVE PROOF THAT EXPERIAN AGREED TO TAKE THE ACCOUNT DOWN BUT HAVENT FULLY COOPERATE WITH THERE ACTIONS, I NEED HELP IN ASSISTANCE OF GETTING THESE ACCOUNTS REMOVED ,15 USC code s 1681 CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE ACCURACY AND FAIRNESS OF CREDIT REPORTING. THE CONGRESS MAKES THE FOLLOWING FINDINGS : ( 1 ) THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CREDIT REPORTING. INACCURATE CREDIT REPORTS DIRECTLY IMPAIR THE EFFICIENCY OF THE BANKING SYSTEM AND UNFAIR CREDIT REPORTING, METHODS UNDERMINE THE PUBLIC CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIGATING AND EVALUATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.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. PLEASE REMOVE THIS ACCOUNT.
Product: Debt collection

On XX/XX/2021 I received a letter dated XX/XX/XXXX attempting to collect a debt for a PayPal account. I have not held or owned a Paypal account. I have attempted to contact XXXX XXXX regarding this mailing however they are requesting my social security number which I will not provide as I have been a victim of fraud and know that this is the tactics of collection agencies to try and assign debt when you give them your social. I have previously disputed this account with paypal along with other agencies by submitting a copy of the police report filed due to fraudulent activity against my social. This debt is not valid and they have failed to provide proof as requested.
Product: Checking or savings account

There was ( and still is ) a Cash Bonus promotion of {$1500.00} once we deposit {$200000.00}. 
We opened a Citibank account on XX/XX/XXXX. 
We completed deposit of over {$200000.00} on XX/XX/XXXX. 
We called Citibank in XX/XX/XXXX to check the status of our Cash Bonus promotion. We were told it can take up to 90days for Citibank to deposit the bonus after we meet the terms. 
We called Citibank again in XX/XX/XXXX to check the status. We were told we should be receiving the bonus in few business days. 
We called Citibank again on XX/XX/XXXX to check the status. We were told we should be receiving the bonus in few business days. 
We called Citibank again on XX/XX/XXXX to check the status. We were again told that we should be receiving the bonus in few business days. 
We called Citibank again on XX/XX/XXXX to check the status and this time, we asked to speak with the supervisor. We were told we need to mail W9 to be eligible for the bonus.

We mailed W9 on XX/XX/XXXX. 
We chatted with Citibank again on XX/XX/XXXX to check the status. We were told they never received W9. 

Based on our interactions with Citibank so far and also based on online reviews, it seems like Citibank is doing this on purpose to avoid actually giving the Cash Bonus promotion.
Product: Debt collection

XXXX XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) Account XXXX Balance : {$710.00}
Product: Consumer Loan

I have a negative line item showing on my XXXX, XXXX and XXXX reports from American Honda Finance. I have NO association with this creditor nor have i ever.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the accounts is accurate without providing any evidence of a thorough inve. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates reasonable investigation of disputes. Furthermore Equifaxs actions may have also contravene the consumers financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumer with the necessary proof of investigation.
Product: Debt collection

Sentry recovery and collec states I owe for an apartment I never lived at nor rented. I've tried to dispute it and nothing changed. I lived at XXXX XXXX XXXX XXXX. This is not my account and someone opened this account fraudulently. I need this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX & XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I sent money to my credit card by accident on XXXX/XXXX, I called my credit card company on the same day requesting for those funds to be sent back to me via my checking account. The amount was for {$4500.00}, I was trying to send it to my daughter for her payment of rent, security and brokerage fee for her new apartment. I called Bank of America every 3 or 4 days to check in receiving my funds back because I stated I needed to pay my rent therefore it was a hardship but every time I call they give me the same information 3 to 4 business days. Please help I need my funds now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX over seas and had no access to a computer to pay my bills so i set up a auto pay for an account but it didn't go thru and by the time i got back in the country it was to late to correct and they would not help me even though they said the auto pay should've gone thru.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Rent Payments Not Qualifying for Experian Boost Dear Experian Support Team, I am writing to formally escalate my concern regarding the rejection of my rent payments for Experian Boost. I have six qualifying payments made directly to XXXX, a property management company. These payments meet your stated criteria of at least three payments in the last XXXX months and one within the last XXXX months. 

Despite providing all necessary details and verifying that XXXX is an eligible payee, my rent payments have not been recognized by Experian Boost. Attached are : XXXX as stated below : XXXX XXXX https : XXXX ... Properties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX TTY : ( XXXX ) XXXX XXXX attached Bank statements showing the transaction history for rent with XXXX Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 

I do not recognize how the account is reporting on my credit report. 
I don't recognize the account number, account status, or the account 's high balance. 
Nor, do I recognize the late payments associated with the following : XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Amount {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION within my Transunion credit report, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I had submitted multiple request for validation on a XXXX XXXX account. Transunion and XXXX XXXX XXXX keeps say that validated my account without having my original contract on file. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
Product: Debt collection

Im contacting you based on a letter I received from  Convergent for a  bill they claimed I owed to  XXXX   XXXX . I spoke with Convergent after receiving their first letter. They told me I owed {$60.00} for an early disconnection fee and {$18.00} for the cost of shipping the equipment back. I gave Convergent my debit card and told them I would pay {$60.00} for the early termination fee as I did close my account with  XXXX   XXXX  early but I dont agree with the return shipping charges. Simply put if  XXXX   XXXX  wanted me to pay the shipping cost of returning equipment why would they send me a box that had shipping prepaid? When I opened my account with  XXXX  I also dont remember agreeing to this as well. I explained this to Convergent when I paid the early termination fee so I dont understand why they would send me a letter stating their investigation process will not begin until I provide more information. I dont understand why I have to prove I owe this! Doesnt Convergent need to prove I owe this debt if I believe it to be invalid? I do n't understand why my conversation over the phone was not sufficient to dispute the debt.     Thank you for your help in this matter,
Product: Credit reporting or other personal consumer reports

I applied for an apartment in XXXX, Tennessee on XX/XX/XXXX and they wrote me and told me that I was not approved because of a addiction, I informed him I have never been evicted or had a eviction on my credit they informed me that I needed to reach out to the courts. I reached out to the courts and they informed me its public information which I looked up and there was no eviction. There was a filing in XXXX and it still appears to be an open case, I asked Court can this still be an open case? They stated that I would have submit appeal which I have submitted an appeal also they there has not been any place that I would have to reach out to XXXX and For further clarification regarding the decision, you may contact : 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 have I have reached out to XXXX XXXX. I inquired about the eviction. They said theres nothing that they can see and theres a XXXX balance so I disputed it and submit it for a dispute. This has caused an effect on my personal life although Im homeowner, I would like to be able to rent without being affected because of inaccurate information attached I will show you the court documents where there has been a file but no eviction, because of this inaccurate information I would like this removed immediately.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate repossession remark on my credit report and am requesting its removal. The information provided does not accurately represent the details of this account. Attached is documentation supporting my claim that this repossession remark is erroneous.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure the accuracy of all information on my credit report. By keeping this inaccurate repossession information on my report, your agency is not fulfilling its legal duty. I request that you remove this repossession remark promptly to maintain the accuracy and integrity of my credit report.