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

My Experian disputed accounts are sent back as verified and are entirely inaccurate, incomplete and represent very serious errors in their reporting. Company is in violation of 15 U.S.C. 1681. Experian required under the FCRA to have properly verified the accuracy of accounts listed on my credit report with physical documents. Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that Experian cant just verify my accounts by telling me they are verified. Nor can Experian verify my accounts by telling me to contact the creditor of the accounts I disputed as Verified. This means that IF Experian cant send me proof of these accounts from THEIR COMPANY, it must come off. All in all, Experian has ignored my request to provided me with the documents that it has in their files that Experian used to verify the disputed accounts which means that Experian have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to ... promptly delete all information which can not be verified. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. Experian fails to comply with federal regulations by credit reporting agencies. Experian is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX
Product: Credit reporting 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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

This letter serves as a formal demand for the immediate removal of the account you are reporting under the above-referenced account number from my credit report. The account is frivolous and invalid due to your failure to present the legally required documentation to substantiate your claim. I do not owe the alleged debt, and in accordance with federal law, you must cease reporting inaccurate information. You are currently listed as LVNVFUNDG on an open account with the XXXX consumer report claiming I owe your company a past due amount of {$950.00}. The report says I am 120 days delinquent with the last payment being XX/XX/XXXX. The last payment amount shows as {$0.00}. 
On the XXXX consumer report your company is listed as LVNV FUNDING with date of last activity of XX/XX/XXXX and also showing as open I have not had any business with your company or received any consideration to owe your company anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to get them to give me the information on these collections accounts on my credit report. I have asked them to verify the items listed. ( Credit Bureaus ) All three credit bureaus claimed they have. Since XX/XX/2020 I have been calling and mailing all three trying to get the information on my reports correct. I have been met with rude agents from all three bureaus and non response from all three concerning my letters and calls.

I have sent letters to the collection Companies asking them to give me the information regarding the accounts and they have failed to do so for two months now. So HOW is the accounts getting verified by the credit bureaus? Since my disputes started all accounts listed have been closed on my credit report because the companies can not verify the debit .. I want them removed from my credit reports because if the collections companies can't respond to me with 60 days then how are the credit bureaus verifing the information? Why close all the accounts if they verified them? Closing them is not enough!!! I want them removed!!!

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Product: Checking or savings account

On XX/XX/2020, I received a call from the phone number associated with regions bank which I bank with. The person was posing as a member of regions and alerting me that my account was compromised. He claimed to need my info for online banking. Because it was my banks number, I thought it was legitimate. While we were on the phone, my wife arrived and realized what was going on. She told me to hang up. At that moment, I got an email from my bank showing a XXXX XXXX transfer of {$510.00}. I was locked out of my account but my wife was able to move remaining money into another account and we immediately called our bank to cancel the XXXX XXXX transfer before it was picked up. We were on hold for over an hour and got the email that the money was picked up before we even had a chance to speak with someone. Nonetheless, we spoke with several people and I went and filed the claim at my bank the following Monday. Our bank has denied the fraud claim because I gave my online banking information. The scammer was fraudulent in claiming to be a regions banker. Fraudulent in sending money in my name through XXXX XXXX. How is my bank not held to this when we immediately, and before he picked up the money, made exhaustive attempts to stop the transfer and would have been successful in our attempts if a banker would have taken our call? People have been careless and lost debit cards and did not report them lost or stolen until after hundreds were spent and those cases return the money stolen. Our case is truly fraud.
Product: Credit card or prepaid card

Hello, This is not my account, I already disputed and they did not meet my requirements to verify ownership
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a bankruptcy inXXXX that was later discharge in XX/XX/XXXX  which should not be reported on my credit file without my my permission. And it is very illegal to do so.I also call the courts to try and found out why its being reported and I was told that the courts doesnt provide any information to any of the three bureaus Ive contacting to credits bureau XXXX  Experian and XXXX by phone email and mail letters and it wasnt removed from my credit file there are also many inquires that I have any recollection of and I believe to be fraudulent and incorrect and I recently found out someone have been using my information to collect unemployment when Im XXXX
Product: Credit reporting or other personal consumer reports

Attached you will find all correspondences regarding the dispute of incorrect information. Despite repeated submissions, the credit report continues to send letters requesting additional information. Enclosed is the letter sent to the credit bureau, along with two additional letters from the bureau requesting the same information already submitted. It is evident that the credit bureau is not taking this matter seriously and persistently requests documents that have already been provided.
Product: Bank account or service

BMO Harris issued me a new chip debit card to replace my old chip debit card as part of a rollout. When I called to activate the new card, I was told by the representative I could destroy my old card. After destroying my old card, the representative stated for some reason a pin was not attached to my new card and they would have to mail one out. This was on Friday, XXXX XXXX at XXXX am. I was guarantee by the manager I spoke with that it would be in Friday 's mail and I should receive it in 2-3 business days. I was informed without the pin, my card would not be useable but if I wanted to go to a branch during their business hours I could withdraw money from a teller. On Wednesday, XXXX XXXX, I called BMO Harris again after not having received my new PIN number. I was hung up on by XXXX and then told by XXXX that my old pin should be valid, I just need to go to a branch to check. I informed XXXX of the phone call I had with the manager on Friday and that my work schedule does n't allow me to go to a branch during business hours. I asked if there were any offices open later and was told no. I have been without access to my paycheck and using credit cards because of BMO Harris ' XXXX up and they do not want to address or fix the issue.
Product: Credit card or prepaid card

This is not a complaint in the traditional sense, I just want to convey my inconvenience to the bank of America through the CFPB. My credit card was frozen after I recently attempted to purchase an item. I called the number I was asked to call in online banking. Customer service asked me to bring my ID to the branch to unfreeze the credit card. However, I am currently suffering from XXXX and I can not walk until I receive adequate treatment. Therefore I am unable to go to the branch. However, I can upload my ID, green card, passport, etc. to Bank of America to verify my identity. I currently have balances on two credit cards with BOA that I still need to pay and I don't want my credit score to be damaged next month. Please help me out with this solution.
Product: Credit card or prepaid card

BMO harris Credit Card has a promotion where if you purchase " XXXX XXXX '' with their card, you get 5 % cash back. 


I purchased this product on XX/XX/XXXX using the promoted BMO harris credit card for {$140.00} - and I assumed I would receive {$7.00} in rewards points. 


However, XXXX XXXX changed their name to " XXXX '' on XX/XX/XXXX. as a result of the credit card billing event not coming from " XXXX '', I did not receive the 5 % rewards. 


I contacted BMO harris on XX/XX/23 to explain this, and they said that it is the responsibility of XXXX ' to honor this promotion. 


I then used BMO 's online portal on XX/XX/XXXX to write my complaint and they instructed me on XX/XX/XXXX to call their call center again. I then wrote to them again on the XXXX and they replied on the XXXX with the same comment. 


on XX/XX/XXXX I called BMO again and the representative said that they can't control what XXXX choose to name themselves for billing. They suggested that I contact XXXX XXXX support and inform them that they need to change their billing codes with BMO - I do not think this is a fair position to put the consumer in, I am only trying to get the benefit that was marketed to me. 


BMO is still running the promotion that if you purchase " XXXX '' you will get 5 % in reward points. BMO is offering a benefit that can not be redeemed due to technicality, and they are relying on an outdated colloquialism ( XXXX XXXX XXXX ) to market their product without providing the reward. I do understand that the Bank likely is coded to look for the name " XXXX '' and not " XXXX '' but this is an issue that they need to fix internally and should not be the customer 's responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud and was notified that a thief opened a fraudulent account without my authorization. I have already reached out to the creditor and closed the account. The bureau told me to get a ftc report and mail it in before they can remove the account. Below i have attached the FTC report, id, snn, and proof of address. Remove this account as soon as possible as it doesnt belong to me and is reported to be identity theft and fraud. I know it against the law to report items on my report that do not belong to me. 
It would be illegal to keep it on my report while it is identity theft and a fraudulent account. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I was a Wells Fargo customer for years during the information breach. All my information was compromised. I want part of the settlement.
Product: Checking or savings account

This bank is being run by some of the most unprofessional clueless idiotic folks ever. Calling them is like banging your head against a thick wall of stupidity. 

They have replaced their XXXX account fund transfer service with something that doesn't work at all. I had about XXXX accounts linked with the previous service and these morons deleted every single one of them forcing me to re add everything. And this new service is utter garbage. There are 2 options One option is to use plaid and give up your credentials. Even if I am willing to do that, you have to try multiple times and it might work in 1 out of 5 times at best. And you know how good $ XXXX is with keeping any credentials safe The second option which I always preferred is to use the trial deposit method. Since they moved to this new service, this option has been hopelessly broken and has never worked. And when you call them to ask about the error, you get totally stupid random answers. 
Their stupid website asks for all the details of the external account and then asks you to enter your full debit card number and PIN number and them tells you it is going to send trial deposits to the external account and then gives you this stupid " XXXX '' error. And then it logs you out of the $ hitibank website. Please see the attached pdf print out of this error. 
These are some of the reasons their idiotic agents have given me including some of their supervisors ( XX/XX/11 XXXX XXXX. 
- There is an issue with the browser. Try a different browser - There is an issue with the browser. Delete all cookies and try again - There is a technical bug with the website that they are working on fixing - There is a technical maintenance going on, please try again later - There is a restriction on your account, we need to transfer you to a different department. 
All they do is transfer you around and give you stupid excuses, they have no clue what they are doing. 
Just spoke to a supervisor who told me that the issue is with the external bank without even asking me which bank account I was trying to link. I have about XXXX other accounts and not a single one of them has worked with $ shitbank 's trial deposit method. It is such big waste of time as it asks for all the information and then says it is going to send trial deposits and then shows the same stupid error no matter which external bank you are trying to link with. I can take this non sense anymore. 

As I was typing this complaint, I got hold of someone sensible ( XXXX XXXX who confirmed that the " XXXX '' error is an issue on $ XXXX 's website and they are still working on fixing that. And it took an hour and arguing with layers of stupidity to get that simple answer. 

I asked XXXX to file a formal complaint against XXXX who twice told me the opposite, that the issue is with my external banks. Here is the reference number for that complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I took out a loan on XX/XX/XXXX, and made the 1st two payments on time. Since then I had to take XXXX Leave from my job to care for my spouse. I am no longer able to afford this loan, since I 'm currently not receiving pay. I have offered the Cash Store amount to settle but the agents are rude, and leave threatening messages on my phone.
Product: Credit reporting or other personal consumer reports

I havent tried to review my credit report online as well as be able to unlock and lock my report myself. Trans Union has some sort of technical issue that they are unwilling to clear. TransUnion has stated that when there is not a dispute open. I should be able to to view my credit report at any time although when I report the issue, Trans Union says that there is nothing wrong with my account and I should be able to see it. I believe TransUnion is willingly withholding my credit report, and the ability to lock and unlock my credit report at my own will from me. The attached image is what I see every time ( 100 % of the time ) when I attempt to check my credit report or unlock and lock my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent by certified mail 4 disputes and an email to it's CEO XXXX XXXX requesting Equifax to validate adverse accounts they're reporting on my credit report and provide me with the original signed contract with my signature to verify the debt is mine and that it is correct. They have continued to verify this invalidated debt and they have failed to shpw me any proof. If their NEGLIGENT NONCOMPLIANCE continues after this 4th dispute, I will litigate and make them pay me for every unverified adverse account.
Product: Debt collection

This company placed an erroneous collection on my credit file. I requested that the company provide me with purchase agreement between their company and the alleged original creditor authorizing them to collect on their behalf to which they have not done so as of todays date. 

The company provided me with that appeared to be an account statement which is NOT what I asked for. I asked for them to provide me with a purchase agreement, authorizing them to collect on the alleged original creditors behalf. 

I have never done business with this company and have never shared my personal identifying information with this company. 

Moreover, obtaining and using my personal identifying information without my express written permission is a form of identity theft. Reference XXXX XXXX XXXX ( a ) ( 7 ) - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the prior express permission of that person. 

Additionally, while reviewing my credit report, this collection account is not XXXX Compliant as the Activity Date, Date of Account Balance, Date Opened, Account Status, Date of Information, Date Verified, Remarks, Account Terms Length, Past Due Amount, Data Reporter Telephone Number is inaccurate and inconsistent between XXXX, XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

This is the same complaint but I realized without the reference number I would not get a response. Please note that I'm resubmitting this complaint now with the Pay Pal Reference ID from PayPal ( Ref ID - XXXX ) I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. 

I started an XXXX XXXX XXXX on XXXX XXXX in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided.

However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. 

Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the XXXX pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. 

I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. 

I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX Paypal account XXXX, XXXX Ref ID - XXXX