23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the continued inaccurate reporting of a bankruptcy on my credit report by Experian. Despite my repeated disputes and requests for verification of the information, Experian has failed to provide adequate proof of their verification process, in violation of federal law. 
Specifically, Experian has stated that they verified the bankruptcy through documents furnished by the XXXX XXXX XXXX. However, upon contacting the XXXX XXXX XXXX, I have confirmed that they do not verify such information for credit reporting agencies. Furthermore, XXXX, another reporting agency, has removed this same bankruptcy entry from my report following their own review and determination that it was inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and verifiable information on consumer credit reports. Section 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under Section 1681i, when a consumer disputes the accuracy of information, the reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and must delete or correct information that can not be verified. 
Despite my dispute, Experian has not demonstrated compliance with these obligations. They have failed to provide me with any evidence or documentation detailing the method and process used to verify the bankruptcy entry. Their lack of transparency and continued reporting of inaccurate information is causing ongoing harm to my creditworthiness and financial well-being. 

Enclosed, I have included the following supporting documents : A copy of my correspondence with Experian regarding this dispute. 
Evidence of XXXX removal of the bankruptcy from my report. 
Documentation of my communication with the XXXX XXXX XXXX confirming they do not verify such information. 
Thank you for your attention to this matter. Please let me know if you require additional information or documentation to proceed with your investigation.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX EOSCCA XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, XXXX which you claim I owe {$2400.00}. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity  of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payments for the XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to delete any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims. The following items needs to delete : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX
Product: Vehicle loan or lease

I have attempted to reach out to Westlake Financial numerous times but every time that I call they demand another payment. This is after I have sent them two personal checks that they have not applied to the account and Im just about to send out the payoff for the whole account but theyre still saying that they havent received two checks which is complete baloney. Theyve also called me over 12 times in the last week. Theyve called me before from autodialers so I dont even answer the phone if its a number thats not in my contacts. A lot of times theyll double call me too. This is getting beyond ridiculous. I have numerous calls recorded from these autodialers and the numbers they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to Transunion, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. Transunion repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and XXXX is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on Equifax and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
Product: Debt collection

IQ Data contacted me verbally and by letter on XX/XX/2018 concerning apartment rental balance {$5800.00} I informed IQ Data due to my spouse and I being separated I was not responsible for the full amount that's owed. XXXX at XXXX offered me half the debt at {$2900.00} if I paid a {$500.00} down payment. This payment was made but did not receive a letter with change in balance nor updated amount at {$2400.00} to all Credit Bureaus as paying as agreed. When I asked for this agreement in writing I was told that all calls are recorded and that's all he could do at this time. I'm very uncomfortable and would like the balance to reflect to Credit Bureaus and receive a letter by mail.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

The account is fraud. it has been removed from all other credit bureaus and the collection agency failed to validate the debt in timely fashion ...
Product: Bank account or service

On XX/XX/2016 a notarized Letter XXXX Instruction and Account Closure Request was presented to the Bank of America, where it was Faxed to the Bank of America XXXX I was told I should have the money within XXXX days. 
As of today XX/XX/2016 I still have not received the XXXX. 
I called the XXXX who said they have had the documents but could not tell me why they have not sent the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final request to remove account which never belong to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please remove account as soon as you can.
Product: Credit card or prepaid card

I filed a dispute with Navy Federal Credit Union in regards to a pre-order purchase made with a merchant on XX/XX/2021. After presenting all emails to the merchant showing they have not responded, NFCU has stated that there was no error in the purchase. This is incorrect. I believe that after a year of no notification from a company and then failing to deliver a product warrants a refund or a charge back should said company fail to reply.
Product: Credit reporting or other personal consumer reports

I was shocked to see that incorrect accounts appeared on my credit report this morning, and I have no idea how this happened. I regularly check my credit report, but this time, out of nowhere, there were discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts remained there even after refreshing. Because of this, I am requesting a thorough review of the documents Ive submitted so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

On XX/XX/XXXX a mobile deposit was made into my account for {$600.00}. The deposit check was in my old name I have walked into the bank now 3 times with documents verifying this information. Due to the incompetence of the bank and its back office its now going on 2 months with a administrative hold on the account. I would like my funds from the account. 

Huntington has been giving me the runaround for weeks with multiple calls and visits to the bank branch. With no resolve and more request for the same documents they have been sent 3 times. My last straw is calling the bank today for the representative to tell me that no one has noted the account that the faxed documents were sent by the branch.
Product: Bank account or service

I went to a Bank of America ATM to withdraw money for my daughter 's back-to-school shopping. The ATM took my debit card and did not return it or display a message. I 1. called the number on the ATM machine to report a problem. Could not do so because I did not know the number on my ATM card since it was in the machine. 
2. I called the phone number on the back of my credit card, got a human being who transferred me to an automated system where I could n't get help because I did n't know my ATMS card number. 
3. Used my mobile application to get connected to a person who also transferred my into an automated system where I could n't get help because I did n't now my ATM card number. 
4. Drove home and logged into my online account. Called the number and after several minutes was still getting offers for XXXX and some cruise line with no apparent way to get to a person. Hung up. 
5. Tried my mobile app again. Got a person who did order me a new debit card. Would not waive the expedited charge. Told him I needed to get cash today. He said he would transfer me to an emergency cash phone number ( promised a person ). Was transferred to another automated system that hung up on me when I pushed 1 for debit card questions ( the only other option was credit card questions ). 
6. I had to borrow money from a 16 year-old!
Product: Debt collection

Cascade Capital collections ( XXXX ) calling me at XXXX for " XXXX XXXX ''. My number is business number held by me for XXXX yrs I have never known a " XXXX XXXX '' or any name close to. I have been harassed for XXXX years by one collection agency after another. FTC and CFPB complaints filed ( XXXX ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019. Each time I was assured no further calls would be received. ( In writing by the lawyer for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019 ) None the less these XXXX, XXXX XXXX collection agencies sell or transfer the collection account to new agencies who start calling me again. It would be nice if the Federal employees charged enforcing these laws would actually do something.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint to inform you that I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw : XXXX XXXX XXXX I've been faithful to this company. I don't know where they get that!!! When I called them they both said I needed to just dispute it with you. You folks need to fix this account. Please don't leave it this way. I need to fix my credit score and it's creating a ton of stress for me! The above account should be reported as positive standing.
Product: Credit reporting or other personal consumer reports

They're was 2 store credit cards opened in my name that I have know knowledge XXXX XXXX XXXX, XXXX something. I had ask to have then removed because they don't belong to me..I don't even shop at them kinds of places..
Product: Bank account or service

When I try to look at my payment history ( for my mortgage ) I receive a message that this data is not available. This has been going on for several weeks. When I call they offer to print one out and e-mail, but I tell them I want to view online and do not want to call them every time I need a schedule. The say they will investigate and get back to me but never do.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX I received a letter from USAA on behalf of XXXX XXXX XXXX of the servicing company XXXX. It shows they found a delinquent tax bill. I immediately responded to show documentation of the deferment account I was approved for by the XXXX XXXX XXXX XXXX and explained I was not delinquent or in default. I called USAA and was on the phone for a considerable amount of time while my situation was being assessed and was told that this notice was sent in error by the service companys tax company and to disregard. XX/XX/XXXX Then I got the notice dated XX/XX/XXXX that USAA paid my tax debt of {$13000.00} in early XXXX and that it was to be paid back over XXXX year with an increased payment of {$1500.00} from {$380.00}. 5 years of property tax deferral to be paid back in 12 months. Its an impossible situation that could cost me my only asset, my home. That payment is almost the full amount of my XXXX, social security XXXX check. 

I called the XXXX XXXX tax office who assured me I had not made an error and confirmed that they were sent the entire deferred amount in XXXX. She apologized that this has happened and said it has occurred with other lenders and the instruction for remedy is for USAA to email them to request the return of that full payment to restore my deferred taxes. This is an entitlement program in the Property Tax Code that I was encouraged to apply for and was reassured multiple times that it was a solution in my case of being permanently XXXX and trying to manage being a single parent taking care of my mother in XXXX. 

After calls and emails on XX/XX/XXXX I have yet to have a reply from USAA. I was told my file was escalated to an AVP at XXXX ( not USAA XXXX. But still heard nothing after one week.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I invested {$25000.00} in 4 cryptos using the Coinbase platform. On XX/XX/XXXX my account was frozen. I filed several requests to have my account restored. They wanted verification of ID using a camera. Their camera was so unstable I was unable to successfully get a pic. I informed them of this and asked for an alternative ID process. They kept insisting on the pic. Finally, on XX/XX/XXXX a friend helped me get the pic. The ID was accepted on XX/XX/XXXX and my account restored for 3 of the cryptos which I immediately transferred off the platform which incurred a fee. The 4th crypto was XXXX which was under SEC investigation. They froze that crypto on XX/XX/XXXX without allowing investors to sell, trade or transfer it. No notice. So I still have {$5000.00} in XXXX frozen resulting in loss of $ XXXX that I could have sold the XXXX in this period. 
Given the volatility of cryptos, denying me access to my crypto for 8.5 months has cost me over {$100000.00}. I believe Coinbase 's actions were illegal, without conscience and fraudulent given they advertised I could trade on their platform. 
Reasonable compensation would be {$100000.00} and freeing my XXXX to be transferred. At best, they have been heavy handed and unresponsive. They should have never been allowed on the stock exchange.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with XXXX, Transunion, and XXXX, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, Transunion, and XXXX to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by XXXX, Transunion, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.