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

I have tried on multiple occasions to get Experian to follow FCRA and in turn respect my rights in this matter. I have asked Experian to on at least 4 occasion to validate this account, as well as on multiple occasions as Experian to present me a description of the procedures used each of these disputes. Experian refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested.

The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY
Product: Money transfer, virtual currency, or money service

My ex boyfriend worked for the call center at US Bank in XXXX XXXX Wisconsin. 

He informed me that US Bank no longer requires XXXX XXXX screening. 

Why does US Bank allow XXXX XXXX XXXX into its bank and for deposits with its XXXX XXXX  customers? 

Isnt that illegal per Federal Laws?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX account # XXXX on my credit report. This account has been placed into collections without my consent, which is a clear breach of my privacy. Additionally, the reporting across the XXXX major credit bureaus is inconsistent and contains inaccuracies : Experian : Last active date is listed as XXXX. 
XXXX : Last active date is listed as XXXX. 
XXXX : Last active date is listed as XXXX. 

Despite these dates, the account shows no late payment status on any of my files, yet it has been incorrectly sent to collections. This situation is not only confusing but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate information on consumers. The discrepancies in the reporting dates and the fact that the account was sent to collections without any late payments constitute violations of this statute. Additionally, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. These inconsistencies violate this provision. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account into collections without my consent is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. Furthermore, the unauthorized collection status violates 15 U.S.C. 1692f, which forbids unfair or unconscionable means to collect or attempt to collect any debt. 

Request for Immediate Action : Given these violations, I am requesting the immediate removal of the XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I ask that you provide me with an updated copy of my credit report that reflects these corrections.
Product: Credit card or prepaid card

My double cash card from Citi Bank which I opened 2 months ago charged me interested when the card was supposed to be 0 % APR for 15 months. When I called they said my card only has no interest on transfer while the offer letter clearly states that there is no APR for all purchases up to 15 months and they said the offer stands as is and they can not do anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} Late Payment : XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XX/XX/XXXX
Product: Checking or savings account

Yesterday XX/XX/2022, I attempted to cash a check that was drawn from Bank of America in the amount of {$8300.00}. Upon arrival at the Bank of America branch on XXXX XXXX and XXXX in XXXX they told me that I could not cash the check because I did not have my debit card. I did not have my debit card because I had opened the bank account on the XXXX of XXXX. They told me all I could do was deposit the check and wait for it to clear today XX/XX/XXXX. They would not even return the check to me so I could go cash it somewhere else. This morning XX/XX/XXXX, I attempted to withdraw funds from the same branch because I had looked online and the funds had been made available. When I got to the branch they told me that my checking account had been closed because they could not verify my identity. I tried to give them my driver 's license which is valid, they refused to accept that all that they told me was that the account was closed they put a hold on the funds and would mail me a check after the funds cleared on XX/XX/2022. I know that the funds were available because I was able to make a XXXX transfer  in the amount of {$55.00} successfully before I went to the branch. When I asked about the first check that I made a mobile deposit with in the amount of {$740.00}, I did not get a response from the banker or from anybody at customer service when I called them about this issue.
Product: Debt collection

A COMPANY CALLED XXXX also known as worldwide processing group have been calling me and making threats to contact my family members, job, neighbors about a debt that I dont owe and demanding that I call them back the calls are frequent and odd times with various verbal threats such as we will make sure we contact all your acquantances. they use various phone numbers XXXX and XXXX
Product: Debt collection

I am being charged for a XXXX phone account I did not open or my information was used to do so. I can not recall my approval to use or release my information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear I would like to see the accounting records on the loans that you are accusing me of owing. 
Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. 
I am aware of my rights and the statue of limitations in my state as a borrower. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 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. 
According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is 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 of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$11000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

Received 4 loans from Sallie Mae for education totaling {$33000.00}. Shortly after graduation and repayment began, we were forced to file XXXX  XXXX bankruptcy due to not being able to afford payments. During the 5 year XXXX  XXXX plan we were paying Sallie Mae every month through our trustee. We were just granted access again to online account, Somehow after paying 60 months worth of payments, when we got out of the plan and discharged, the amount was up to almost {$48000.00}. So we gained {$15000.00} in additional balance. How does this happen? How is this legal? And what is the point of bankruptcy if you come out in worse shape than you went in? And during bankruptcy we are not allowed to see our online account and how the payments are allocated, so we have to just take their word that is applied correctly. If we could see interest racking up at a rate of $ XXXX per year, we may have been able to do something at the time rather than just be saddled with 30 % extra debt a the end. Please do something about these predatory loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Happy Money, a Company located in XXXX, California has kept a erroneous balance open on my XXXX Credit Report. The same Company closed said account in XX/XX/2021 with {$0.00} balance. They have harassed me for a alleged {$40.00} balance after my personal loan was totally paid off. I have NEVER missed a payment in 12+ years. They are trying to destroy my Credit History and XXXX  Score for complaining about rude staff. My XXXX  Score dropped XXXX points today.
Product: Payday loan, title loan, or personal loan

I have a medical account with prima health care insurance. I made a pay on XXXX XXXX and the company lost the payment and failed to reach out or acknowledge the mistake
Product: Debt collection

I received a debt from XXXX XXXX XXXX XXXX back in XXXX of XXXX and since this was during XXXX  XXXX I was informed the debt would be removed. I NEVER HEARD FROM THEM BY A MEDICAL COLLECTION BEING PLACED ON MY TRANSUION XXXX AND XXXX CREDIT REPORT!!!!!!! I NEVER Received any validation or correspondence with my legal rights to dispute that I owe this debt. IN PURSUIT OF 15 USC 1692 G WHICH CONGRESS CREATED FOR ME and SAYS show me that I OWE THIS COLLECTION AGENCY ANY MONEY AND HAVE THE RIGHT TO PLACE SOMETHING ON MY CREDIT REPORT. THIS IS ILLEGAL. I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me, but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization to formally advise you that I believe your company has violated my consumer rights in the following ways. - Failed to validate a debt at consumers request- XXXX  violation - Continued to report a disputed debt to the XXXX XXXX  violation XXXX Continued to attempt to collect a disputed debt- XXXX  violation Not only have you ignored my prior requests for validation of debt ( I have mailed in letters to validate this debt ), but you also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature -License proof to collect debts in my state - Please provide a copy of my signature with the provider of service to release my medical information to you As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within XXXX days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. What I have received from XXXX is not validation / verification of debt for these two accounts. Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA. I have sent this letter to the following companies listed below for assistance with resolving this matter Kind regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements
Product: Mortgage

On Monday XX/XX/XXXX, I called Wells Fargo Home Mortgage and informed them that I was working on getting the funds for my XXXX mortgage payment. My home preservation specialist XXXX XXXX said I need to get the funds in my bank account today, because the payment would be presented today. The funds were deposited into my checking account at XXXX XXXX. This in fact covered my payment. 
On Tuesday XX/XX/XXXX, I saw the payment was posted. At around XXXX, I received an alert that the mortgage payment was reversed. I called the bank and was told that it was not the bank that reversed the payment, but it was WF Home Mortgage that reversed the payment. I reached out to the mortgage company and was told that the representative contacted the cash department with WF Home Mortgage. She was informed that the payment was insufficient, and the mortgage company reversed the payment. I then called the bank and received a customer advocacy specialist XXXX that confirmed the bank posted the transaction and the mortgage company reversed the payment. This reversal will cause me to break my trial modification plan. The mortgage representative said that someone on their side looked into my account to verify funds and saw I was hit an OVERDRAFT FEE, not a NONSUFFICIENT FUNDS FEE and decided to have my payment reversed. This is unethical, because I have not authorized anyone from the mortgage company to look into my Wells Fargo Bank account. I would like this looked into and I will be filling a complaint because these practices are unethical and dangerous.
Product: Credit reporting or other personal consumer reports

I submitted multiple complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report that hasn't been removed and it is hindering me from getting my preapproval. I am in desperate need for a new home for my family due to mold exposure. I would like to have this resolved IMMEDIATELY because i need to close on my home in less 10 days. Thank you for being attentive to this matter.