23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had seemingly resolved my past issue with Huntington Bank and their representative XXXX XXXX in XXXX, as we had communicated after my first complaint a few different times. On XX/XX/XXXX, XXXX called to tell me that credits were adjusted on my account and all money in my account was mine to use. To my surprise, on XX/XX/10 I recieved a 30 day overdrawn balance debit of {$780.00}, despite not being overdrawn, as well as two NSF fees. This is absolutely ridiculous and a disgusting practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX 30 days late on JXXXX XXXX, 60 days in XX/XX/XXXX, XXXX XXXX 90 days late in XXXX XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit card or prepaid card

The law states according to 158USC6802 YOU DON'T HAVE PERMISSION TO REPORT ANYTHING WITHOUT MY CONSENT... PLEASE REMOVE ALL CREDIT CARDS FROM MY REPORTING
Product: Debt collection

I called to set up a medical deferment on payments, and the guy, who I couldn't understand, hung up on me. They are now calling me 3 to 4 times a day.
Product: Debt collection

I was a victim of identity thief. I never had a XXXX account in XXXX and I have been living in XXXXXXXX XXXX  for the past 14 years. LJ Ross and associates were informed by me that this was not an account I opened and I also told XXXX but they didnt care and wanted me to pay the balance which isnt mine. I have disputed this fraudulent account multiple times. The account is for {$580.00} dollars and XXXX XXXX said that LJ Ross has had this account since XXXX of XXXX  however I dont even know the date that this supposed account of mine was actually opened. I made an identity thief report also.
Product: Credit reporting or other personal consumer reports

Summary : Experian has failed to properly investigate disputed inaccuracies on my credit report, including a Chapter XXXX bankruptcy entry ( Case # XXXX, filed XX/XX/year> ). Despite failing to verify the bankruptcy during the initial dispute investigation, Experian opened a new dispute instead of removing the unverifiable information, as required by the Fair Credit Reporting Act ( FCRA ). Their actions align with the CFPBs recent lawsuit against Experian for sham investigations. 

Details of the Violations : Failure to Verify Information Within the Mandated Timeframe ( 611 ( a ) ( 1 ) ) Experian initially failed to verify the bankruptcy entry during the 30-day investigation period, as required by the FCRA. Instead of removing the unverifiable information, Experian reopened a new dispute, which does not reset their obligation to verify or remove the information from my credit report.

Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ( A ) ) Experian relied on third-party vendors, such as XXXX, to verify public records, including the bankruptcy. The U.S. Bankruptcy XXXX ( XXXX, MD ) has confirmed that it does not provide information to credit bureaus. This demonstrates Experians failure to conduct a proper investigation. 
Failure to Remove Unverifiable Information ( 611 ( a ) ( 5 ) ( A ) ) The FCRA mandates that if a disputed item can not be verified, it must be removed from the credit report. Experian has not met this obligation and continues to report the bankruptcy despite its inability to provide verification.

Failure to Ensure Maximum Possible Accuracy ( 607 ( b ) ) By reopening the dispute without addressing the original failure to verify, Experian continues to report inaccurate and unverifiable information, violating their obligation to ensure accuracy.

Systemic Issue Aligns with CFPB Allegations Experians actions align with the CFPBs recent lawsuit alleging that Experian engages in " sham investigations. '' This systemic failure is evidenced by their inability to verify the disputed bankruptcy and the subsequent reopening of a new dispute without correcting the issue.

Harm Caused : Credit Damage : The unresolved and unverifiable bankruptcy has significantly lowered my credit score.

Financial Harm : I have been denied credit opportunities and
financial benefits due to Experians negligence.

Emotional Distress : Experians inadequate dispute handling and repeated failures have caused undue stress and frustration.
Product: Debt collection

I have noticed several errors on my credit report, including a concerning entry from 'IQ DATA INTERNATIONAL IN. ' Recently, I applied for a loan through my financial institution and was informed of a credit delinquency that would lead to rejection. Initially, I didn't pay much attention to it, but upon conducting my own investigation, I accessed my credit report from all three bureaus. To my dismay, I discovered numerous discrepancies that were not associated with me and were never authorized by me. These discrepancies, including the XXXX from 'IQ DATA INTERNATIONAL IN, ' were negatively impacting my credit report even though I had no involvement in them. 

Understanding the seriousness of the situation, I promptly researched the appropriate steps to address this case of identity theft.
Product: Checking or savings account

I had a Bank of America personal checking account apparently that I did not remember I had. It was opened in XXXX when I had a business account with the bank and opened in person at the branch. I was told I needed a personal account in order to maintain the business account or some nonsense at the time even though I didn't want the personal account. I elected electronic statements instead of paper, but apparently the person who opened it mistyped my email address. In XXXX I closed the business account, but forgot I had a personal account and it wasn't until XXXX of XXXX that I received a letter saying I had an account still open with the bank. I did not have a login/access so I had to reset login/pass and went in to see that BofA had charged me hundreds of dollars in account maintenance fees without ever sending me a statement notifying me of this. 

I called at spent more than an hour on the phone with the bank and they told me that they would not refund the fees. Apparently they unilaterally changed the account type in XXXX to one that would charge me monthly maintenance fees of {$12.00} per month and never notified me. They didn't send a statement, they didn't send a letter, they didn't email a statement, they didn't even email a notification of a statement. When I confronted the bank with this on the call, they said that they had sent notifications to the wrong email address and were getting bounceback notifications that it was not a real email address, but that they never bothered to call, send a paper statement, paper letter notification or anything. 

I told them it is completely unacceptable to unilaterally change my account type and start charging me fees without ever notifying me and they said it was my fault that I had never been notified because I should have known the bank employee mistyped my email into the setup for an account I never wanted.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth Circuit, XXXX. XXXX, XXXX vs XXXX XXXX XXXX inaccurate reporting due to intentional defamation/ no consent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have disputed an error being reported on my Trans Union credit report 5 different times and yet to be resolved correctly. In XX/XX/2021, I purchased a home and sold my other. I had an open equity line of credit that I paid off in full and closed in XXXX, 2021 with XXXX XXXX XXXX  of an amount shown as {$14000.00}. It shows that it was last reported to Trans Union in XXXX, 2021. It has been six months now with it still being reported as open with a balance of {$14000.00}. It was a joint account with my wife and it's closed on her Trans Union report but not mine. I've called XXXX XXXX and Trans Union several times and they always give me the run around without fixing my report. XXXX XXXX tells me that I have to dispute with Trans Union and Trans Union tells me I need to call XXXX XXXX to report corrected information. It's been 6 months since I have sold that home and closed account. No problem with XXXX or XXXX. Thank you!
Product: Money transfer, virtual currency, or money service

XXXX XXXX and other various companys use Zelle an app you can send n receive money from but I accidentally sent money to the wrong person a couple times through out the year and theres nothing they could do about it they said no refund nor stopping the transaction there was no verification process
Product: Credit reporting, credit repair services, or other personal consumer reports

To EXPERIAN XXXX XXXX : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!
Product: Debt or credit management

I am writing to report an error on my Experian credit report regarding my Social Security number. The incorrect SSN listed has caused confusion and could lead to further issues with my credit profile. Please correct this error promptly to ensure the accuracy of my credit information. 

i have inclosed a photo of my id ssn and my address XXXX XXXX
Product: Debt collection

I received an alert from XXXX XXXX last XX/XX/XXXX that I have an account that was put in collections. I checked my XXXX XXXX account ASAP and it's showing that a company named NATIONAL CREDIT ADJUSTERS ( NCA ) has filed a collection against me in the amount of {$310.00} and was placed as a derogatory account for non-payment. The account was opened last XX/XX/XXXX under XXXX XXXX and I believe that it was forwarded or purchased by NCA. The amount of {$310.00} was reported for collections and as derogatory last XX/XX/XXXX. I DID NOT open this account. I immediately filed a dispute with XXXX Credit Bureau that same day ( and I believe that XXXX also notified the other credit bureaus, XXXX and XXXX ). XXXX informed me that the estimated date of completion for the investigation will be on XX/XX/XXXX. After filing a dispute with XXXX, I called NCA and filed a dispute at the same time. I talked to XXXX XXXX from NCA. I told him that I NEVER opened an account with XXXX XXXX and I don't own this account. He said that they will take note of the dispute filing and gave me this dispute account # : XXXX. After calling NCA, I put a freeze/lock on my accounts with the 3 credit bureaus ( XXXX, XXXX and XXXX ). Up to this day, I haven't heard from NCA. 

On XX/XX/XXXX, I called XXXX and talked to XXXX to follow-up on the status of my dispute and she told me that per report, NCA rejected my dispute and claims that I opened the account. The same dispute results is showing in my XXXX account. XXXX from XXXX advised me to file a police report and gave me this website, the reason that I'm filing it today. 

Here 's the information of the creditor that I want to file a dispute : National Credit Adjusters XXXX XXXX XXXX XXXX ; XX/XX/XXXX - account was opened ; XX/XX/XXXX - reported as derogatory/reported for collections ; {$310.00} - amount of collection ; Dispute Account # : XXXX ; XXXX *NO DOCUMENTS TO PROVIDE ; I DID NOT OPEN THIS ACCOUNT!!! 

Just for the record, I also received a letter from the IRS dated XX/XX/XXXX that I may be a victim of Identity Theft. I also filed a FRAUD ALERT request with XXXX and they notified both XXXX and XXXX with regards to the fraud Alert. Actually, this is the second letter that I received from IRS. 

Please let me know if you need any more information. Thanks.
Product: Credit card

the 2 collections on my report are fraud. XXXX XXXX was open in the amount of XXXX on XX/XX/ and the other was open in the amount of XXXX on the date XXXX  without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on behalf of Clarity Services appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with XXXX   and Clarity Services to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and XXXX and XXXX XXXX. There seems to be a pattern with Clarity Services on my credit report I'm opt out for promotional or marketing on my credit file. XXXX seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.
Product: Money transfer, virtual currency, or money service

Dear all, For the first time, I tried transferring XXXX XXXX  from the Trust Wallet application to the XXXX XXXX XXXX, and I don't know what went wrong, but the funds were returned to the address from which I bought the funds using Trust Wallet. I have tried contacting both XXXX and Trust Wallet multiple times, but all efforts have been unsuccessful. 
Could you please help me discover what went wrong and find the contact information of the person whose address received my coins so that I can kindly ask them to return coins back to my account? 

The transaction hash number is : XXXX I thank you so much for every effort that you put in trying to help me with my problem. 
Have a best day! 

Best regards, XXXX
Product: Mortgage

In XXXX Rocket Mortgage/Quicken Loans provided a first mortgage to a consumer. Rocket Mortgage sent {$58000.00} to pay off the previous consumer 's first mortgage so that their mortgage would be in first place. Quicken collected funds fromthe consumer for a Lender 's Title Insurance Policy. In XX/XX/XXXX, the consumer is set to close on the sale of her home only to find that Quicken Mortgage failed to secure a Satisfaction of Mortgage on that prior first mortgage. So the consumer has been paying on this new Quicken/Rocket Mortgage and her funds have been used to pay off that prior first mortgage, but that mortgage has never been satisfied. I have spent days with email after email from client specialists at both Rocket and their title insurance underwriter, but they incredibly say that the consumer must obtain the release of the mortgage. Rocket has been entirely unwilling to help, and the title insurance company has been insulting and confrontational, refusing to provide any help whatsoever. There is clearly a problem with an out-of-state mortgage lender originating and closing loans, collecting insurance premiums and then failing to fulfill the obligations of that title insurance policy. 

Below is email from title company and contact info for their title insuror : Rocket has a lender policy to protect their lien position and they can file a claim. 
No title company chases releases except for in LA and MA if it is paid in their transaction.Rocket legal will address if a claim is needed on Rockets behalf. 
Thank you, XXXX XXXX - Executive Client Resolution Specialist XXXX XXXX XXXX XXXX XXXX | XXXX, MI XXXX ( XXXX ) XXXX ext. XXXX toll free XXXX XXXX Rocket Mortgage XXXX
Product: Credit reporting or other personal consumer reports

A Credit Card history has re-appeared on my Credit Report that is not, nor ever was, mine and I had previously requested it be removed years ago. Phone number listed was not mine, job history is one decade outdated, and my credit score was decreased two times in one month because I updated the Experian company with accurate information and subsequently Experian removed my ability to ever get a mortgage or own my own home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT FILE BACK IN XX/XX/2018 AND SEEN SEVERAL ITEMS ON IT THAT WERE NOT MINE, I CALLED THE CREDIT UNION DIRECTLY AND THEY WERE NO HELP AT ALL, I CALLED EQUIFAX AND XXXX, XXXX AND FILED A DISPUTED WITH THEM AND EVERYTHING CAME OFF EXCEPT EQUIFAX. I CALLED AND TALKED TO THE FRAUD DISPUTE TEAM AND EVEN FAXED IN MY POLICE REPORT AND THEY STATED TO ME IT WILL COME OFF ASAP AND THE ACCOUNTS WILL BE BLOCKED. NEVER HAPPENED AND NOW MY HOME LENDER IS CALLING MY HOME NOTE IN DUE TO THIS PROBLEM. NOW THERES ADDRESS IN SOUTH CAROLINA POPPING UP ON MY FILE WITH EQUIFAX. I CALL DAILEY BUT NO HELP. I HAVE ATTACHED MY UPDATED POLICE REPORT THATS BEEN VERIFIED WITH THE OFFICE OF THE CONSUMER AFFAIRS. PLEASE HELP OR I'LL SEEK LEGAL ACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased a new Ford truck and financed with Ford Motor credit. In XX/XX/XXXX I lost my job and was unable to make the payments. I voluntarily turned the truck back into Ford. The balance after the sale was {$9700.00}. I was unable to pay the balance. Ford hired a law firm and was awarded a judgement against me. My credit report shows the account closed and charged off. For continued to add late pay on my credit every month because of the balance. On XXXX XXXX I called Ford to question why the monthly remarks continued since all credit reports the account was closed. Ford advised their records indicate the account is open. 
How can the account remain open since a judgement has been awarded against me. How can all the credit bureaus report the account closed. 
Im confused how the judgement wouldnt close the account. The monthly fail to pay has been placed on my credit report for 15 months
Product: Prepaid card

PayPal Prepaid issued three prepaid cards to a closed account in my name, an open account in my name, and an unauthorized card in my name. I never received two of the three cards. The one I did receive ending in # XXXX I can not use or so says the error message at ATMS that is transaction not authorized. I reported unauthorized transactions on the account at least 10 days ago, made 3 or 4 deposits into the account when I received the card and I am still awaiting the provisional credit. Also, I am the victim of the XXXX  XXXX  XXXX data breach and ALL credit and financial organizations I have account with have received my affidavit of identity, transmissions between the FTC and I and a claim reimbursement form from my insurer, XXXX. This particular company has yet to satisfy the reimbursement notice from XXXX.
Product: Credit reporting or other personal consumer reports

his letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

These items were not authorized by me and constitute a breach of my rights under both federal and state law. Furthermore, your responses to previous disputes have been inadequate and evasive, often suggesting that my communications originate from a credit repair organization, which is untrue. This practice is both misleading and unlawful. 

I am invoking the following legal protections to demand swift and transparent action : Kentucky Consumer Protection Act ( KRS 367.110 et seq. ) - Protects consumers from unfair, false, misleading, or deceptive acts or practices, including inaccurate credit reporting. 

Kentucky Fair Credit Reporting Act ( KRS 367.363 et seq. ) - Requires credit reporting agencies to investigate disputes and remove or correct inaccurate information promptly. 

Kentucky Civil Code 367.365 - Mandates credit reporting agencies to block fraudulent information upon receiving valid documentation of identity theft or dispute. 

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 30 days. 

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. 

XXXX XXXX XXXX XXXX I will not tolerate any lame excuses like documents missing I am sending all my verification documents attach with letters from XXXX XXXX and XXXX AND ALSO THE FOLLOWING INQUIRIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX bad names XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bad addreses XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX