23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DEAR RADIUS GLOBAL SLOUTIONS, 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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of 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 verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX PARTIAL ACCOUNT NUMBER # XXXX AMMOUNT OWED {$240.00} PLACED FOR COOLECTION : XX/XX/2019 SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing bankruptcies that EXPERIAN has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my Experian Credit report, I discovered that Experian used a third-party data company. On XX/XX/2020, I sent Experian another certified dispute letter with supporting documentation. I received another letter from Experian stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from Experian in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from Experian stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2019, I was attempting to buy tickets to see XXXX XXXX perform at the XXXX XXXX that night. I found a listing on XXXX saying that a man was selling 2 tickets for {$250.00}. I texted back and forth with the man and ended up sending him the {$250.00} over XXXX. After that he told me that he would be sending me the tickets and then blocked my number and the tickets never arrived. I have spoken with representatives at Chase 2 times and they have been either unwilling or unable to help me contact XXXX to figure out who the guy is that scammed me. I have also filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts show the wrong address, phone numbers, and employment. 

Other Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Occupation XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

OPTUM Bank XXXX Issues - Revised XX/XX/year> XXXX claim, XXXX, filed on XX/XX/year>, was closed without resolution. Since then, several issues were resolved, but some issues still remain : 1. Downloaded transaction file paid claims total ( {$23000.00} ) does not match website dashboard amount ( {$21000.00} ). {$1600.00} difference.

2. Downloaded transaction file does not have provider information making it impossible for me to reconcile the transactions. 

Optum Financial customer service does not seem to understand what is needed to correct the problem. They, on multiple occasions, come to me with solutions that do not completely resolve the problem.
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 XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was charged a debt of medical bills. But I have state insurance that covers 100 %. And asked for them to show me proof. A the only thing I got back was where the declined my dispute.
Product: Consumer Loan

Upon reviewing a XXXX XXXX credit report pulled for the purposes of refinancing my home, I discovered several " new '' entries of supposed trade line disputes. I have successfully had all but XXXX of them removed. ALLY continues to refuse to work with me or prove to me that I initiated a dispute with their company. I have no reason to dispute this account as it is paid on time and has never been late. I did receive a letter of good standing on XXXX/XXXX/XXXX, but it did not specifically state that " the account was not in dispute ''. I have asked repeatedly for these simple words to be added to the letter, so that I can present it to the loan underwriters and continue with the loan process. This action by ALLY violates FCRA in that the company is blatantly reporting false information that is causing me harm. As of XXXX/XXXX/XXXX, XXXX of the XXXX CRAs are still reporting this, I initiated an investigation with XXXX and they quickly removed the erroneous dispute remarks. Both XXXX and XXXX indicate that the Creditor, ALLY is the source of the erroneous information. If it can be cleared up with XXXX, why is it still showing up on XXXX and XXXX?
Product: Payday loan, title loan, or personal loan

I am responding back to the Citizen XXXX response. After I made my complaint with CFPB XX/XX/XXXX. XXXX from Citizen XXXX called me on XX/XX/XXXX at XXXX XXXX  She stated she would invesigate and call me back. XXXX never called me back. I just received a response letter post dated XX/XX/XXXX. I paid {$25.00} less on my first payment because I was tild to do so by a Citizen XXXX  representative on the first call. I was given a credit by XXXX 's company for XXXX Monday the day I purchased the television. I also had returened a pair if earrings to XXXX 's during the first 30 days of finally receiving them to my home. I have asked for an investigation since XX/XX/XXXX and obviously have been brushed to the side. I have requested apayoff to prevent continuous interest buildup. The procrastination of the Citizen XXXX representatives is causing me interst. The same interst that that XXXX the representative is saying I owe. This is my third complaint about Citizen XXXX. I requested an investigation of the calls made to the company on XXXX XX/XX/XXXX. I spoke with a representative about my payments were beyond the payment installment schedule. That representative told me that there would be one more payment coming out of my bank in XX/XX/XXXX ( a television from XXXX 'S department store ). I requested to make the payment & pay the television off during the XX/XX/XXXX conversation. I was told by the said representative that two accounts were listed, I said I was about to finish an installment for the television & had just purchased a laptop. There were two interest rates & it was being charged for the higher interest rate instead of separate purchases. The previous supervisors that I spoke to on XX/XX/XXXX ( XXXX ) saw this as well. She stated she would call back and never did as well.
Product: Credit reporting or other personal consumer reports

XXXX, SYNCD ASHLEY, SYNCB LOWS XXXX XXXX XX/XX/XXXX To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate, fraudulent and incomplete credit information. 



I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent and I have duly conveyed this to XXXX, SYNCD ASHLEY, SYNCB LOWS via letters, documents, recorded phone calls, that I also have recorded. 

XXXX, SYNCD ASHLEY, SYNCB LOWS is in clear violation of FCRA and FDCPA laws, which states that all collection activities must halt for any accounts that are in dispute. However, I am still being harassed by phone calls, letters, and civil summons by you and your collection agent, XXXX, SYNCD ASHLEY, SYNCB LOWS. I have listed the following accounts which were fraudulently used to incur charges and several of them, if not all, that my bookkeeper unknowingly made payments from my bank account for which I want reimbursed. ( See below ). 

XXXX XXXX # XXXX DATE OPENED : XX/XX/XXXX BALANCE {$680.00} SYNCD ASHLEY XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX BALANCE {$5900.00} SYNCB LOWES XXXX # XXXX DATE OPENED XX/XX/XXXX BALANCE {$8400.00} I am urging you to remove, delete, clear all of these accounts from my credit report effective immediately. 

Thank you.
Product: Checking or savings account

I deposited a check for {$110000.00} on XX/XX/2021 and they put a hold on the entire amount until XX/XX/2021, causing me undue hardship as I will be evicted and become XXXX for lack of payment to my landlord. Federal regulations dictate that they need to release XXXX dollars within one business day and then XXXX dollars within 2 business days if they are going to hold it for an extended period of time. Also both banks are within federal reserve district 12 and as such I thought that they needed to allow me to have access to more of that money at least to write checks not necessarily to withdraw cash and theyre not even allowing me to do that
Product: Credit card or prepaid card

XX/XX/2020 applied for a Care Credit card on line as advised by my XXXX XXXX office in the amount of {$5000.00}. XXXX. I filled in my name, address, phone numbers, last four social numbers and date of birth and net income for the month. At this point, I was denied. No reason given ; told I would get a letter in the mail from the bank explaining ( Synchrony Bank in XXXX, Fl ). Same day in the afternoon, I phoned in my application and gave same information and denied as it was a duplicate application. XX/XX/2020 discussed with employee of XXXX XXXX who said she would call the Care Credit company to find out what is going on. XX/XX/2020, heard back from employee of XXXX XXXX and told problem occurred as no information re/net income and told to call Care Credit to fix. I called the same day, gave information to woman at Care Credit but I was denied again. Told Ill get a letter in the mail from the bank. XX/XX/2020 received letter from Synchrony Bank indicating the most significant reason the application was declined listed below : ratio of current obligations to income provided. The bank claims they received information from XXXX XXXX but XXXX XXXX played no part in their ( bank ) decision and unable to supply reason why credit denied. I had applied for the amount of {$5000.00} to pay for dental implant issue that is definitely needed. I am quite capable to repay the loan amount ; I never got to where I would complete financial information ... ..income vs expenses. Care Credit not only deceived me but the representative of the XXXX XXXX office. I truly feel this an age discrimination issue.
Product: Money transfer, virtual currency, or money service

Years ago while using Zelle, I did not receive a disclaimer to double check who I was sending money to. When I sent money to someone and they stated they didnt receive it, Zelle/XXXX  said I could not get my funds back. Later on I realized it was a real estate company committing fraud because they knew there was not way I would get my money back.
Product: Checking or savings account

My card was stolen in XXXX which resulted in over {$600.00} being fradulently charged to my debit card. 

Filed a claim with Bank of America. 

Claim got denied due to me approving the transactions even though I never provided authentication, had never been to the locations being charged prior. 

Bank denied claim even though it was not me who made the charges!!!!
Product: Checking or savings account

Release hold on credit cards and accounts. 

XXXX WAS SUPER RUDE, and could not provide federal documents to verify after 2 months of the account opening now you asking for this and military orders. 

I HATE THAT THIS NAVY FEDERAL CREDIT UNION IS ASSOCIATED W/ MILITARY AND BEING TREATED LESS THAN. AS A XXXX XXXX XXXX, I CAN BET MY WHITE counter partners WAS GOT SPOKEN TO, LET ALONE TREATED IN THIS MATTER. 


Thanks
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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX  HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX BANK HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C. 1681 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from XXXX, Transunion, XXXX, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed. I had fraudulent accounts on my report. They are hurting my ability to obtain credit. It is found in the XXXX credit bureaus XXXX, XXXX, the account # XXXX SYNCRONY BANK  {$440.00}
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

My loan was transferred from XXXX XXXX to New Rez LLc on XX/XX/20, The amount due on the loan was equal to the amount held in escrow. I am attempting to pay off the loan and am unable to make such arrangement due to New Rez LLC not being fully prepared to completed the servicing of my loan.
Product: Student loan

As instructed, I applied to SAVE and consolidated my loans as instructed for my XXXX, of which I have XXXX payments. I had done this back in XXXX of 2024 as well as submitted employment verification. I have heard nothing in terms of the status of my consolidation, payment count. They clearly consolidated my loans... but then put me on a regular payment plan without permission, I was previously on XXXX before consolidation. This means when they did that, I no longer was qualifying payments for XXXX. Since then ( XXXX ), I have not been able to get any type of update or status. I even requested buy back as I feel I've already hit 120 months if they were to update my payment counts. Mohela is my servicer, so I've bounced between the XXXX  and Mohela this entire time, both of them pointing the finger at each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I took the time out t call and reach out to experian, XXXX, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is for an apartment we lived in. The complex sent us a detailed bill and we agreed with half of the amount they showed we owed. The other half are for items/problems that do not exist. We took pictures and move out videos so we have proof. However, the complex has not been interested in our proof and still have the amount on our credit report as a collection acct.
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 XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance to the Fair Credit Reporting Act, which is codified in 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I, the Consumer, am writing this complaint due to inaccurate reporting of all 3 consumer reporting agencies that is XXXX, Equifax, and XXXX. Under 15 USC 1681 section 623 it states " 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. '' In XXXX XXXX report it shows that I only have XXXX hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), in Equifax it states I have only XXXX hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and XXXX shows that I have XXXX hard inquiries ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). This is causing much confusion due to the inquiries not matching and shows me that reports of these inquiries are inaccurate and I would like them to be removed. Not only does it violate section 623 but it also violates section 604 ( a ) ( 2 ) which states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' I have not given written instructions for these inquiries to be furnished on my consumer reports. 15 USC 1681 section 607 ( b ) also states " 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 relates '' there must be a maximum possible accuracy of my consumer reports across all agencies.