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

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. XXXX XXXX  Unverified Account XXXX XXXX  XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account 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 XXXX 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. they are in an attached pdf and my drivers license, ssi card and address verification is attached
Product: Debt collection

I acquired my credit report and asked LVNV FUNDING LLC to validate a debt and ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited 30 days, and I havent received anything. Here is my tracking number : XXXX, which is the letter that I sent on XX/XX/2022, and LVNV FUNDING LLC received it on XX/XX/2022. Its been well over 30 days in which LVNV FUNDING LLC never responded. I submitted a complaint through the CFPB, and LVNV FUNDING LLC responded that they were unable to locate an account under the name of XXXX XXXX XXXX with the information provided and asked if I could please provide additional information, such as the account number ( s ), in order to help us locate the account ( s ) and address XXXX XXXX XXXX concerns. This situation is becoming overwhelming and frustrating because clearly as you can see in my letter I included the account number. Here 's my first complaint number with the CFPB : XXXX, in which the initial complaint was submitted. At this point, this issue has been very frustrating. LVNV FUNDING LLC has been displaying bad business practices and taking a reproach above the law. I mailed LVNV FUNDING LLC an invoice seeking payment for damages based on LVNV FUNDING LLC FDCPA violations. I will attach all documents as my proof. I have resubmitted a complaint with the CFPB showing records and dates on which I have tried to resolve this matter numerous times. LVNV FUNDING LLC has not only ignored the opportunity to honor my remedies but has also made life challenging and complex for me. Reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA. 

Thank you for helping me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I originally notified Experian on XX/XX/XXXX of a XXXX XXXX account that was opened fraudulently in my name. I provided all required documentation including my Proof of Identity and social security card, FTC report and the 605B Notice to Furnishers so that the account can be BLOCKED per my rights given when notifying a furnisher that I am a victim of identity theft. Since XX/XX/XXXX, Experian has re-inserted this fraudulent account TWICE. The first time was on XX/XX/XXXX and the second time was on XX/XX/XXXX. On BOTH occasions I called into Experian and the reps I speak with LIE and COMPLETELY DISREGARD THE LAW. Today on the phone the Experian rep had the nerve to tell me that in lieu of my call she sent a notice to XXXX XXXX informing them of my dispute ( even though I have written them twice and never received a response ). 
I told her that is NOT a solution and asked her to confirm she will be BLOCKING the account, and at that time she said they could not remove the account until they hear back from XXXX  XXXX. 
She could not confirm that XXXX XXXX provided the appropriate documentation to support their request to rescind/re-report the fraudulent account. This documentation is all what is clearly stated to be required under FCRA 605B. 
Specifically, the CRA can only reinsert information blocked as a result of an identity theft affidavit if one or more of the conditions set forth under FCRA 605B ( c ) ( 1 ) are present. 
Notice of the rescission of a block is then required to be provided to the consumer in the same manner as is required when information that was previously deleted from a consumer 's credit report after a prior dispute is reinserted, using the notice requirement set forth under FCRA 611 ( a ) ( 5 ) ( B ). 

When I asked the experian rep to confirm that she could in fact see that I submitted all of MY required documentation back in XX/XX/XXXX and that they have already blocked and reinserted this account once before and here we are AGAIN. She CONFIRMED that she saw the FTC report and when I followed up asking her to confirm WHAT EXACTLY WERE THEY PROVIDED BY XXXX  XXXX THAT WOULD LEAD THEM INTO THEIR DECISION TO RESCIND THE BLOCKED ACCOUNT, she just stayed quiet and said NOTHING!! She then transferred me to her boss XXXX and I got nothing but his voicemail. I am sick and tired of Experian breaking the law. If they do not fix this mess and BLOCK this account ONCE AND FOR ALL I WILL FILE SUIT AGAINST THEM and seek all damages available to me by law.
Product: Student loan

I was placed on administrative forbearance by my servicer XX/XX/2023, but they didnt alert me until XX/XX/XXXX, after Id already made a payment ( Ive requested a refund but have yet to hear back ). I was placed on forbearance through XX/XX/2023, but my account home page has an alert saying my payments wont be due until after XX/XX/2023 because they are still working on updating my account. Despite this, I received a bill today ( XX/XX/XXXX ) thats due mid XXXX that says I am past due {$790.00} dollars. 

Further, they only counted 1 out of 8 of my certified months of employment for PSLF. I have yet to see that be corrected after months of waiting after I complained. 

The wait time is hours every time you call, and different people have told me wildly different things. 

My monthly payment has gone from XXXX to XXXX to XXXX to XXXX, all throughout this forbearance period. I dont know what information to trust. The communication issues have been astounding.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I was the victim of a fraudulent Venmo request or spoofing where a user impersonated my sister. I sent {$400.00} to the scammer but realized almost immediately my mistake. Although the charge was still pending Venmo refused to freeze it and investigate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the XXXXXXXX XXXX XXXX  XXXX  ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card

Iam writing to express my deep concern and disappointment regarding the abrupt and unexplained closure of all my Chase credit cards and banking accounts, which I have held in good standing for over nine years. This incident has left me not only bewildered but also severely impacted, both personally and professionally. 

For nearly a decade, I have maintained five credit cards with Chase, consistently demonstrating responsible financial management. To my surprise and dismay I discovered that all my credit card accounts, along with two savings accounts and one checking account, had been shut down without any valid explanation. What is even more perplexing is that Chase also terminated my business accounts, despite the clear separation between my personal and LLC finances. This action has had a detrimental effect on my ability to conduct business and manage my financial affairs. 
Despite numerous attempts to seek clarification and resolution by visiting my local branch on five separate occasions, I have received no satisfactory response or assistance from chase customer service representatives. This lack of communication and support from a bank of Chase 's stature is highly disconcerting. 

Furthermore, this sudden and unexplained account closure has negatively impacted my credit score, which I have diligently maintained over the years. I believe that Chase 's actions are not only unjustified but also damaging to my financial stability and reputation.
Product: Student loan

I am submitting a formal complaint to Mohela on the way they are handling my payment count. 

I have correspondence from XXXX stating that my 120 qualifying payments have been made and that I can now be discharged under PSLF. I met those 120 qualifying payments in XXXX of XXXX. It is now XXXX of XXXX and nothing has moved forward. 



Navigating the Mohela system, talking to real people at Mohela has been a tremendous task. I am put on hold, forwarded to other people, and nothing is resolved. Yesterday I called to have my loans put in forbearance as I wait for the completed count toward PSLF discharge. I waited 1 hour 10 minutes for someone to answer. I shared that I needed the forbearance while waiting for the count, she said she couldnt do that, and she would forward my call. When forwarded I received a prompt that said my wait time was 6 hours! I then hung up and went online and sent a message requesting the forbearance. 



I have emails from XXXX stating that PSLF was working with MOHELA to correct the count. I have correspondence with XXXX XXXX from Mohela stating that they are working on the count, and to be patient. It is hard to be patient when this is taking months to complete. It is difficult to move throughout the day while feeling the stress that I have now paid off ( In truth, I have overpaid ) my 120 payments. I have always been in the service field, and love what I do XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TRANSACTIONS. SEE ATTACHED DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear : Consumer Financial Protection Bureau. 


I have been trying tirelessly to remove an old previous address which I no longer reside and have not been for a very long time. I am scared that my identity is lingering around to addresses that I no longer reside which can open up for me a possibility of identity theft with my information out there. I am currently still receiving correspondence from lenders to the address that I no longer reside and have access to. Experian would not remove this address and this opens up an opportunity for identity theft. However when calling Experian they are willing to put up a battle and not willing to comply with removing that address from my credit file as some lenders using that address which I no longer have connections or tied to any longer. 

I have tried to countless times to have Experian remove this information and no success. I was able to remove that address from XXXX however for Experian this isn't the case. Per the Fair Credit Reporting Act I have every legal right to dispute addresses that are inaccurate and does not reflect accurate and current reporting to my credit profile. I am asking for your help in providing a fair and transparent review on my credit file. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing a complaint, due to your false reporting of information on my credit file. There a re two judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Equifax or  XXXX  or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the County Clerk and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can  XXXX  or Equifax or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a   credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgmen t 2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I hav e one judgem ent that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.
Product: Credit card

I have a TD bank double up credit card. Until sometime back their auto pay setup feature was not working and therefore I setup a reminder to receive a text 2 days before the payment is due. 
I am always diligent in making payments.ontime and have been doing so for this card and all other cards on my account. 

For this transaction cycle XXXX to XX/XX/2024. 

This time I had large purchase on this card. However I did not receive a text notification reminding me of the due date and the balance due on the account as expected XX/XX/2024. As I have been receiving in the past. 

When I checked next day, bank had charged late fee and interest on the payment. Later I observe that they setup the auto payment feature and asked you to e sign an agreement before text services are enabled. 
I believe they disabled text service on purpose and charged interest and late payment fee and find it unscrupulous practice. 

I will try and reach out to them but just posting it here as they have been very unfriendly in the past in admitting error on their part. I will close this account after clearing the balance this time and never deal with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account XXXX XXXX XXXX. Please investigate to insure there is no fraudulent activity.
Product: Payday loan, title loan, or personal loan

They are utilizing illegal practices and I didn't realize it until the sign up process was so sketchy. They are trying to boost your credit by making unsolicited deposits in your personal bank account and demand to have the money sent back to them as their process of verification. They asked me to load two XXXX gift cards with XXXX dollars after they made a XXXX deposit in my personal bank account. I couldn't get the gift cards to load so they tried to make me get a bitcoin deposit. They are trying to qualify you for a loan you are would never qualify for by boosting your credit this way. It is an Illegitimate lender.
Product: Checking or savings account

A check from a major insurance company was deposited at a drive through window at the Regions Bank branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XX/XX/2023. The next morning an e-mail was received notifying me of a hold placed on the check until XX/XX/2023. Checks from the same insurer had been deposited, in the same manner, at the same branch previously with no issue, although a brief ( <24hr ) hold had been placed on a check from the same insurer in XX/XX/2023. That was resolved by contacting the branch manager. No reason was given for that hold or the current one. I have contacted the branch manager, in person and by phone, Regions customer service, Regions priority banking, and used secure text messages. No explanation has been provided and the situation remains unresolved. This does not appear to be a federal or state regulatory requirement. Two other local and one national financial institutions have informed me that they would not have placed a hold on this check if deposited with them. The action taken by Regions is arbitrary, capricious, and unwarranted. I have been a customer for 15 years.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report resulting from fraudulent activity. I am exercising my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ) to request the immediate removal of these inquiries. 

As per 15 U.S. Code 1681i, if any disputed information is found to be inaccurate, incomplete, or unverifiable, you are obligated to promptly delete it. The inquiries listed below were not authorized by me, nor do they have a permissible purpose under Section 604 of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

open account on XX/XX/2022 with a {$30000.00} check i recieved from a lawsuit attorney : XXXX XXXX  XXXX address : XXXX XXXX XXXX, XXXX XXXX, new york XXXX XXXX a few weeks my account was close and i was told by the teller at citi bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX That they couldnt tell me anything, I need to call fraud department for more information. 
I called and was told that they mail me a letter explaining. On XX/XX/2022 the letter stated they took no longer can service my account and they will issue me a official check for the remaining balance of {$12000.00}. I recieved a check on XX/XX/2022 for only {$440.00}. I called and was traffer to multible department telling they not authorize to tell me and hung up on me. I went to the bank and spoke to XXXX XXXX and she had the same problem so i left her my information, I went back a few days and she said that fixed the [ problem and they already send the remaing balance to my address '' already in the mail ''. Its been over a week and i have not recieve not even a email. Im broke and my carnote is pass due. My credit is ruin and i owe {$620.00} cause they cancel my investment. Cost me to be late on my carnote that interest whicb mean more lost. I cant work so thats all the money i had. This has cause me alot of stress, eating one meal a day. I was misled and disrespected too many times and cost me financial lost.