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

This complaint is in response to the investigation of case # XXXX. In my dispute, I requested the " Method of Verification '' and the " Name and Adress '' of the vendor Experian claims it contacted to certify the " Completeness and Accuracy '' of a bankruptcy record it is reporting on my credit file. Please see CFPB complaint # XXXX as Exhibit A. In its response, which it concluded in 59 days, Experian stated that they have contacted the vendor who has certified the accuracy of this record. However, as previously disputed, Experian has not provided the name and address of this vendor. I am requesting in accordance with 15 USC 1681i which states " A notice that, if requested by the consumer, 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. '' If Experian MUST provide me this information if it is claiming to have contacted a vendor. As previously stated, I have contacted the courts who has certified that they do report to the CRA 's, Experian agrees ( Per complaint # XXXX and the attached letter ). I have contacted the listed vendor on my credit report " XXXX XXXX '' who has certified by phone and via a full consumer report ( Attached ) that no bankruptcy record is on file. It is clear that Experian intentionally stalling and refusing to complete a full investigation of this record. Experian has violated several FCRA laws including FCRA 616 ( a ) ( 1 ) ( a ) which states. " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. This is not a request for re-investigation, this is a demand of the removal of this bankruptcy from my credit file in accordance with the aforementioned laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below  ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine XXXX XXXX XXXX XXXX XXXX {$230.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Please Update Employment Information per job offers and Employment verification letter submitted from Inland -XXXX XXXX XXXX XXXX XXXX. 

Please update inaccurate and Unfair information on my Three Credit Reports to the following : Remove all Delinquent accounts from report due to non-receipt of employment pay checks from 2 Employers ( XXXX-XXXX XXXX XXXX XXXX XXXX. Allow Deposit of approved loan from XXXX XXXX for {$10000.00} into my established bank account or a new XXXX XXXX account. Allow receipt of {$250.00} to be deposited into XXXX account once direct deposit is established of new XXXX XXXX XXXX  account. Remove incorrect residence information and information that is over 10 years old. ( Review letters submitted to Bureaus ) Restore XXXX credit score to XXXX to all Bureaus due to above mentioned and approve {$1000.00} credit line asap with XXXX  XXXX due to inaccurate and Unfair information. See all documents submitted to all Bureaus requesting to update information dated since XX/XX/2023. Review Dispute status and remove inaccurate information about The following account on report : XXXX XXXX. Please increase XXXX score due to Real Estate Valuation updates for XXXX XXXX XXXX XXXX, XXXX SC XXXX. Allow XXXX credit score goal to be achieved by XX/XX/2023 for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 

Longevity, Peace and Prosperity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Email : XXXX Please be informed that this email is intended for the recipient listed. If you are not the person or business entity that is not intended to receive this email and receive it in error, please disregard and delete. This email is not intended for judicial or jailing purposes and is not to be used for scams or defrauding purposes. Thank you for your service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Bankers XXXX XXXX XXXX  XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT,  XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ONLINE COLLECTIONS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ONLINE COLLECTIONS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/21 I submitted a deposit from my XXXX XXXX bank account to my credit karma bank account at that point it told me that it would be available XX/XX/21. So I setup my bill pay for XX/XX/21 for XXXX  XXXX credit card payment to come out. Credit karma reversed the transaction on the XXXX the same day that I was told funds would be available. This caused me to have a late fee with my XXXX  XXXX credit card payment. This is the 3rd time this happened, the first time credit one reversed the late fee, 2nd time I contacted Credit karma support and they advised me the funds were not available and that the payment not going through was my fault so I let It go. This time I KNOW this is not my fault and I submitted A support ticket for them to credit the fees because it is their fault not mine and still no response.
Product: Mortgage

Dovenmuehle loan servicer I have paid on time, never missing a payment when I did a refi of other loan I paid may payment plus XXXX. & XXXX over for principal Then new loan required both loans to be paid XXXX payments to finish due to XXXX credit union putting my loan in forbearance without my permission or request Paid XX/XX/XXXX {$600.00}. 
Paid XX/XX/XXXX {$580.00} Paid XX/XX/XXXX {$680.00} XX/XX/XXXX paid {$700.00} for payment +principal Paid off the loan in full 5 times XX/XX/XXXX paid {$22000.00} principal balance of loan. 
Dovenmuehle said payoff amount after that payment was {$4800.00}. Paid that XX/XX/XXXX ( sent back to me ) Continued to make payment + principal. 
XX/XX/XXXX paid {$2600.00}. New payoff total. ( Was sent back due to not sent through certified funds ) XX/XX/XXXX paid paid {$1500.00} XX/XX/XXXX paid {$1500.00} XX/XX/XXXX {$790.00} plus {$2700.00} {$100.00} the said payoff amount. Sent to exact mailing address specified for payoff in a certified check as requested. 
Paid {$690.00} XXXX XXXX XXXX XXXX Called every month after sept for 4 months being put on hold for hours and every task filed by them to send to research the check was filed wrong task to locate the check. ( Never found ) Paid to cancel check then sent XX/XX/XXXX I was charged interest on a loan paid in full. 
XXXX servicer paid the property tax {$590.00} The escrow account should have covered however if it did not the payment on XX/XX/XXXX of {$690.00}. More than covered it. 
I was sent a new payoff of {$820.00} covering all fees, interest, etc I pad XX/XX/XXXX in the wire transfer as specified. I was sent back to my account 3 days later. After spending {$35.00} cancel check fee, {$35.00} wire transfer. 
I paid the 2nd installment property tax XX/XX/XXXX I paid new insurance company for full year {$700.00}. 
Which they also sent to them 3 days later. 
They received check back for {$700.00} I have been harassed daily by phone and mail with interests charges, escrow interest charges, and late fees on a loan that has been paid in full since XX/XX/XXXX. I have been sent threatening letters stating I will loose my home. My tenants were also given notice of sale of the home. I am being charged for survey of the home as well. 
The loan number I have been paying on is not the same number the county clerks office has.
Product: Checking or savings account

We have had a situation that led to the bank informing us that because we chose to use the app, that in XXXX  we were sent documentation in an account change that recommitted to removing our consumer protections if we continued using the available banking platform. This banking institution is nation wide with no physical presence in our region but did not provide options to opt out of the consumer protection revoking. We have been having issues with bank withholding our income after 37 deposits from the same institution due specifically to the unlawful revoking of protections.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Consumer Loan

On XX/XX/2016 TD Auto Finance pulled a hard inquiry on my XXXX Consumer Credit File. I did not authorize them to pull a credit report from XXXX. I was also reassured by XXXX this would not be the case.
Product: Payday loan, title loan, or personal loan

I went to Oportun Loans Store Location at their XXXX XXXX Store location In XXXX XXXX, Tx on XXXX XXXX to re apply for loan credit after I has paid off my remaining balance of {$220.00} on XX/XX/XXXX from the loan amount I has borrow on XX/XX/XXXX of the loan amount {$500.00}. And was told I can not re apply for any loan credit with Oportun Loans by loan representive after I had made all my monthly payments in full and paid off my total loan in full. And was told Oportun Loans donot offer Loan credit to XXXX people customer after they is had paid their total loan in full and was denide and chance to re apply for loan credit after I hath paid off my loan credit in full
Product: Student loan

I continue to have issues with how payments are handled. I voiced my corncerns with how rude the reps are are a spoke with a supervisor today bythe name of XXXX. They expect you to know what they are talking about when you dont work at the company. I have made several lymph fum payments on my loans due to the fact that I have not consolidating them. On the website it states Congress sets interest rates however if I go into auto pay with them or will lower my interest rate. The information they provide is misleading I have made several lump sum payments I only once this year applied for forbearance today would have been my second time after speak iui mg with XXXX who was supposed to be a supervisor I voice my concerns with her as well once i said i would put in a complaint is when her tone changed. When I make my payments it states to postpone payment implaying due to over payment that anything due will not show as past due ... so in paying of my loans my amount due each much rises though I am in no payment plan you would think the more I pay off the lower my monthly payment would be however the opposite applies. Also when making over payments with the option I select it automatically places you I forbearance when it doesn't explicitly state that ad an option. I am not happy with the loan servicers. They have stolen my money over the years they have been my servicer enough is enough I am getting a lawyer involved. I have had enough.
Product: Debt collection

I bought a car though this company 4 years ago. In XXXX I received a call from a debt collector name westlake portfolio stating the were trying to collect a debt. I dont owe this company anything and never heard of them. They told me my car company went out of business and filed bankruptcy and theyre taking over my contract but Ive never heard this and they call my phone at least 50 times a day demanding money from me. My car loan say pain in full, XXXX balance owed on my credit report feom XXXX. West lake portfolio is not on either 3 credit reports. I was never notified that XXXX even went out of business and they still say to pay them. I believe this is fraudulent. Can you please tell me something. Im tired of being harassed by westlake portfolio.
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. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX A LATE PAYMENT on XXXX XXXX # XXXX 15U.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 an 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

PLEASE SEE ATTACHMENT As per your letter dated XX/XX/2019 pertaining to Select Portfolio Servicing transaction history, which includes Corporate Advance History, Fee History and Escrow Disbursement History, I am requesting clarification of specific detailed accounting of various and repeated charges to my account which I have circled on your forms provided. I am further requesting valid verification of documents showing specific details of charges performed, not just listed. I am also requesting clarification of all headings i.e. transaction codes, reason codes, payee codes, payee description, Processor ID, Recoverable  Codes and Recoverable descriptions along with all other headings. 

In order for my legal team and me to review these fees given to my account, by law I am requesting SPS to provide a clear breakdown of all charges incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with American Express. One of my ex employees used my card for unauthorized expenditures. When the informed me that notwithstanding the unauthorized use, I was still liable for the charges I tried to work out an arrangement to pay over time. I was not able to afford the monthly payment amount they offered me so they filed suit against me. The attorney who represented Amex offered me a settlement amount, they said if I paid that amount it would be considered paid in full, the suit would be dismissed with prejudice and it would be a derogatory issue on my credit report. I borrowed the money, paid the law firm and the suit was dismissed. However Amex won't remove it from my credit report. Because of this unfair, deceptive and predatory action I have had difficulty getting credit and I have to pay a lot more in the interest rate. I would like Amex to live up to their end of the bargain and remove the derogatory remark from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Busey Bank had been data breaching my account for over two years now but now it has no information about the issue and the problem has not resolved it has not resolved my concern and has not been fixed for a long period now. Cash flows are not being handled or processed by anyone else in this area and they have been suspended from the bank account for over two weeks and are still being processed and reprocessed as payment processing is done ongoing and continually being reprocessed as needed for the purpose of the transaction to continue to occur as the transaction has not occurred yet in a proper legal proceeding or the process has not occurred at all.
Product: Vehicle loan or lease

I am currently XXXX XXXX XXXX to the XXXX XXXX and I am trying to figure out how I can change my interest down to 6 % I heard this is possible before but I keep seeing this but no one ever showed me how.
Product: Debt collection

The original creditor is XXXX XXXX XXXX, which sold the account to LVNV Funding. I was successfully sued by the creditor as the creditor filed a lawsuit in a jurisdiction where I do not live using an address where I do not reside. According to 15 U.S.C. 1692i, this is a violation.
Product: Student loan

Account name : DPT EDXXXX Account number : XXXX Please investigate if every single piece of information is correct. If not, please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I have {$250.00} in my Venmo account. Upon receiving these funds, Venmo suspended my account and asked for identity verification. I provided my drivers license to which Venmo responded my account has been permanently suspended due to violating terms. They will not tell me which terms I violated and there are no terms that Ive read that have been violated. Venmo will not release my funds for 180 days. Every time I call, Im told to email an account specialist, whose department only works via email. The account specialists keep copy : pasting the same message saying my account is suspended and I may receive my funds after 180 days.
Product: Credit card or prepaid card

On XX/XX/2021 I paid XXXX {$2400.00} deposit for a property that I and XXXX other people were going to rent for a that was planned from XX/XX/2021 - XX/XX/2021 with my Capital One Credit Card. I made my last two payments on XX/XX/2021. The first payment was for {$1000.00} and the other {$1600.00} for a total of {$5000.00}. This was for an exclusive upscale house rental for 7 days. The house was very very unsanitary. I contacted the owner, XXXX and after no results Capital One to dispute the charge because of the living conditions we had to settle for. They put in a dispute for the {$1600.00} and said the {$1000.00} was returned for the deposit. They said the could not do anything about the {$2400.00} because it had pass their 6 months return policy and their was nothing they could do to recover my funds.