23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My name is XXXX XXXX XXXX XXXX XXXX.Pa.XXXX Last XXXX digits Soc. Sec # XXXX.Birthdate - XX/XX/XXXX. 
I have contacted Equifax to get the Method of Verification regarding my dispute sent via certified mail multiple times via certified mail and Equifax has not provided me the information that I have requested per the FCRA. 
The bankruptcy is inaccurate and after sending the dispute Equifax has refused and asked me to contact the court. I called them and they advised they did not send Equifax any data or verify this information. 
I believe they are relying on third party information that is inaccurate, I asked them for the Method of Verification and they have refused. 
If no Method of Verification is received as I have requested then I will begin to pursue legal action due to Equifax continued willful non- compliance that has caused me harm .FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states * If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 6 ) ( 7 ) states a credit reporting agency shall provide a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 DAYS after receiving a request from consumer for that description, Since Equifax has not provided me Method of Verification within the 15 day period required by the FCRA I want this inaccurate bankruptcy removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account PHOENIX FINANCIAL SERVICES LLC Opened Date XX/XX/ 2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that PHOENIX FINANCIAL SERVICES LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I filed a dispute with XXXX XXXX regarding a XXXX card that is reporting negatively on my credit report. 

I received a letter in the mail on XX/XX/XXXX dated XX/XX/XXXX stating that my account had been sold to Second Round LP on XX/XX/XXXX.

I never received a letter or any documentation from Second Round LP regarding any accounts and Im not even sure that this debt is mine. 

I received the letter on XX/XX/XXXX and as of XX/XX/XXXX its reporting negatively on my credit reports. I want it removed as I never received any documentation from this company and am not even sure that the account is mine.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX  Account NumberXXXXXXXX  FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account NumberXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX  Account Number:XXXX  Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, XXXX, and Transunion assumed this role without permission, not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. 


They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request please that you reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 
Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.
Product: Checking or savings account

I deposited {$5500.00} int a high interest savings account with donut.app. Few days later I received an email that said that account was in pause no transfer withdrawals or interest were going to be pay. I searched the internet and I found other that had similar issues month earlier and they still no able to get their money. 
I asked the company to close account and withdraw my deposited money and no one have answered.
Product: Mortgage

We are filing a complaint regarding Madison Management 's delayed processing of our mortgage payments, which has resulted in significant financial penalties.

Each month, we submit our mortgage payments on time to Madison Management, who is responsible for forwarding them to our mortgage company. However, Madison Management has repeatedly delayed these payments, causing our mortgage company to apply our monthly payments toward late fees instead of the principal. As a result, our account has accumulated over {$1800.00} in late fees and monthly corporate advance charges in year XXXX charged {$220.00} in fees and in year XXXX charged {$640.00} in fees.

Due to Madisons delays, the mortgage company has continued to apply our payments to cover late fees first, which has led to a shortfall in our regular payments and put us further behind each month. This situation has created an additional financial burden, as we now owe an extra payment to bring the account current. 

We request that Madison Management reimburse us for the late fees caused by their delays, as these fees were a direct result of their failure to send payments to the mortgage company on time. This reimbursement is essential to help us get back on track with our mortgage payments and alleviate the financial strain caused by this situation.

Thank you for your assistance in holding Madison Management accountable for these delays and helping us obtain the financial relief needed to resolve this issue.
Product: Credit reporting or other personal consumer reports

Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Account name JPMCB CARD Account number XXXX Corporate card, I had an employee card working at XXXX XXXX XXXX the company since than closed and JP Morgan Chase is saying that i am the primary card holder when i never agreed or signed to anything like that! 

More than 10 employees had a card to use for various reasons such as gas hotel etc...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I saw a credit file added to my credit report with a late payment. Upon further investigation, I had discovered that my identity was stolen. 

A bank account at XXXX XXXX was opened in my name ( Which I was able to close and remove from my credit ), and a loan was taken out from Upgrade , Inc in my name. The loan was deposited into a bank account I hold ( which I have since changed the information on ) and subsequently the creditor was unable to get payments out of this account. 

I reached out to the company ( Upgrade financial XXXX ) and filed a case for Identity theft ( XXXX ). They have since disregarded all calls for proof of the information furnished to initiate the loan, and are continuing to report this on my credit. 

I have filed all FTC paperwork, affadivit, police report, and statement along with the required information and they still refuse to remove this from my credit. I have filed with all three bureaus in writing and they removed the debt. Thirty days later, they reinstated the debt citing that Upgrade has provided proof.

My requests for proof have gone unanswered and they are not responding to my phone calls.

I was advised through a consultation with an attorney to file a complaint with you.

I will be following up with a certified letter citing all the facts of this to Upgrade and requesting the data they are using to " Certify '' this debt as mine be furnished to me under the rights afforded to me by federal law.
Product: Debt collection

I requested that they stop calling on XX/XX/XXXX and they hung up. They called on XX/XX/XXXX and I hung up. They called on XX/XX/XXXX and I told the rep that the law is that they can't call me if I tell them not to call. I told them if they have a debt to collect that they have to do it through the court system. She was completely unaware of the law and firmly believed that she could continue to call. She wouldn't understand it so I said not to call and I hung up. They called again on XX/XX/XXXX and I didn't answer.
Product: Credit card or prepaid card

For several years, I have received Bank of America billing statements at my email address for someone else 's account. I have received dozens of these statements, and can provide the emails for the past year. 

I have contacted Bank of America several times to remove my email address from this person 's account, and service response has varied from " okay we will do that '' ( they don't ) to " sir, have you considered not using this email address any longer '' Again, I am receiving balance and account information for someone I do not know on my email address because Bank of America makes no effort to verify correct email information when setting up an account, and they offer no way to change or remove incorrect information.
Product: Money transfer, virtual currency, or money service

My Coinbase account is restricted due to an error. It says I 'm living in a prohibited country, but I 'm not. I have around 50.000 on my Coinbase account and right now I do n't have access to it. 

I contacted Coinbase so many times without any result. I got them on the line 1 time and they opened a ticket for me to solve the issue. the ticket was created on XXXX/XXXX/2017 with  number XXXX But still no answer. 

I really need access to my money. Even if they do n't open my account, I would like to have a refund of my money on my account and my coins should be send to my wallet. 

I hope you can help me with this issue. I ca n't sleep for days because of this. This was my whole life savings. 

Best regards
Product: Credit reporting or other personal consumer reports

after receiving a notice from Experian stating that it updated my dispute as a completed investigation showing that this account is accurate and complete. Experian is in violation of not doing a proper investigation I asked them to provide me names titles phone numbers and addresses as to who exactly they spoke to to verify this account as accurate and or complete this is damaging to my credit report I'm having a difficult time obtaining credit please do a proper reinvestigation or delete this account if you do not have the means to properly reinvestigate.
Product: Checking or savings account

There's more to the story but this is the gist of it my ex-boyfriend has went into my cash app and changed all my cash-up information to his information and has logged me out of it log me out of my new cash app and has blackmail me to do this and I have proof showing that
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Dear Experian XXXX XXXX needs you to check the Credit Report... 
See how you told me to check it...??. 

Are you not Angered and XXXX off yet??? 


See how Experian removed XXXX and put it on the Credit Report side...?? 

After these following steps Hit the deletion button ... .of XXXX XXXX XXXX XXXX associated Even if they changed their name for the XXXX th time... ..because. It is XXXX XXXX... 
To not supply credit Experian with Accurate information... 

Check to make sure that XXXX XXXX has Submitted his certificate of truthfullness Affidavit His report number from law enforcement Which Experian asked XXXX XXXX to give to them to facilitate the further removal and block of Vive from his Credit report THIS IS NOT AN INVESTIGATION REQUEST THIS I XXXX A CALL TO WORK AND DO YOUR JOB To Block and Remove XXXX  Yourself... with my Permission... 

XXXX XXXX should not have to be Supervising Experian I have other things to do with my day Because of your incompetence You said you removed something off of file then you update it to another on credit report... 

You are messing up my credit utilization Any Debts collection is Sold and is supposed to be reported as XXXX... 

You have a XXXX and more debt on file XXXX XXXX upwards... 

Do you not know how to do your job?? 

Are you hiring people that are not versed in credit reporting ....?? 

Do you not know that 12 years is very good and not just good...?? 

How did you arrive at XXXX percentage?? 

Do you not see that XXXX has not sent you anything Accurate thus far... 

How are you asking for XXXX then XXXX Then XXXX Did I not file sn incident report for mail fraud harassment.. 

Please do not write nothing to me about checking my credit report.. 

Because you are not adequate enough to prove to me that you are competent of handling credit reporting...
Product: Credit reporting or other personal consumer reports

These accounts are in dispute pursuant to 12 car 1006.34c and I request/ demand all activities and communication be Ceased and desist until the accounts are properly validated pursuant to XXXX5 usc 1692 ( g ) ( A ) ( 1 ) Notice of debt. I have sent a request XX/XX/year> and this company has failed to follow FCRA guidelines for furnishing information and continue to furnish inaccurate and incomplete information. please see attache correspondence date XX/XX/year> this company has sent me a stall tactic and has disregarded my request in entirely to benefit them and not myself the original creditor which is a violation of my consumer rights
Product: Payday loan, title loan, personal loan, or advance loan

I trusted Navy Federal to handle my personal information with care and integrity, but I feel that trust has been violated. Navy Federal claims that an investigation into my disputed information was conducted, yet I was never provided any details about how this investigation was carried out, who was involved, or what methods were used to verify the accuracy of the information. This lack of transparency not only raises serious concerns about the legitimacy of their process but also leaves me questioning whether they adhered to the legal standards required by law. 

Furthermore, I was never asked for or provided explicit consent for my personal data to be shared with third parties like XXXX. Sharing my private information without my clear and informed consent is a violation of my rights, and its both troubling and unacceptable. I deserve an explanation, evidence of proper consent, and assurance that my personal information is being handled lawfully and responsibly.
Product: Credit card or prepaid card

XX/XX/2022 Complaint to Consumer Financial Protection Bureau I took out a loan with XXXX and they were supposed to pay my Chase Freedom credit card in full : {$3200.00}. Unbeknownst to me, apparently their system will only accept " round figures '' and I was not told to round the amount up to the nearest dollar. Therefore, they only paid {$3200.00}. When I got a bill for {$.00} from Chase, I paid it, thereby giving the account a {$0.00} balance. However, when I got the next statement, I learned they are charging me {$37.00} for that {$.00} error. The CSR I spoke with refused to remove the excessive interest, stating it is based on the ADB. I do not feel I should be required to pay interest on an account that was ( technically ) paid in fully on XX/XX/2022, before the due date of XX/XX/2022, with the exception of the {$.00}, which was paid by me on XX/XX/2022, long before the due date of XX/XX/2022. If a loan is generated to pay off a certain amount, that exact amount should be paid, not " rounded up or down ''. Apparently banks and credit cards will do anything to get that interest. 

When I spoke to a CSR at XXXX XXXX, she told me several times about the " rounding up '' policy and when I asked to speak with a supervisor, she put me on hold, eventually disconnecting the call. 

Chase is doing the same thing on a second credit card account I have with them, Chase Slate, which has also been paid in full but the payment is not showing in my payment records. I paid {$1700.00} on XX/XX/2022, again before the due date. The account does not show my payment as of today, XX/XX/2022, but is showing a payment due on XX/XX/2022 of {$44.00}. My bank statement indicates that payment in full was posted to my checking account on XX/XX/2022. There should be NO interest charged. 

The resolution I request is that ALL interest charges be refunded and my accounts showing a {$0.00} balance. If and when I pay an account in full before the due date, there should be NO interest charges applied. If I close those accounts, which I would like to do, then my credit bureau score takes a nose-dive. Its a Catch 22.

I also find the interest rates these companies are being allowed to charge are more like loan shark and/or usery rates. No wonder people have to file bankruptcy just to make ends meet! 

Thank you.
Product: Credit card

I used to have my AMX credit card on my old XXXX account. I had to close and reopen my account due to adding a charity. While adding my AMX card it wouldnt allow me to add it to my XXXX account. I contacted AMX and they said I could only use Send and Split even though I told them I was using XXXX for merchant purchases only. They told me that was all I could use. Their agreement they sent specifically says Send & Split can only be used for personal money transfers and not for paying merchants. They are violating their agreement and not allowing me to use my credit card on XXXX for merchant purchases. 
This is from their agreement : Send Account and Send General : Send allows you to send money to friends, family and other individuals that you know and trust. Do not use your Send Account to send money to people you don't know. You are not permitted to use your Send Account to pay for the purchase of goods or services, to make payments to merchants, or for any type of business payment or other similar designations, or to make payments on loans or debts you owe arising from the purchase of goods or services or other transaction with a merchant. Your Send Account will be opened after you accept the Terms and the Consent Statement to Electronic Delivery. 
They are essentially violating their agreement and not allowing me to use the credit card as intended for purchases with merchants. They have created a situation that forces me to either violate their terms or to use another card and not get the benefits I expect while using this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and someone opened a card in my name! I disputed it with XXXX. Very upset! It's called Destiny credit card FS
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian itself and NOT with a creditor. I have excellent credit. Very high score. No delinquent accounts. Excellent by Experian 's own definition. However, my credit score continues to decline without any negative reporting from any creditor. There is no explanation for the decrease in score. I can not reach Experian by phone. Their phone system us geared up to make it impossible for a consumer to speak to an agent. There are no options available to speak to a representative. The on line chat is also a dead end, as customer service reps offer the same scripted answers without resolution and to add insult to injury, disconnect the chat at their will. The on line reps appear to be trained to give vague, cookie cutter answers that do not directly relate to your issue and then disconnect. 

It seems to me that a company with so much power over an individual can get away with this type of unaccountability. If they use a criteria to determine a person 's credit worthiness, they should be held accountable for the explanation of that credit score. I feel like David trying to fight Goliath. Experian is a powerful company that has built a wall of protection that has rendered accountability for their scoring system mute. Their explanations on their actual credit reports are contradictory. A green checkmark indicates a positive action on the consumer 's part, such a on time payments or a long credit history. A red minus ( - ) indicates a negative. My report indicates all green positives marks, no negative reporting of any type, yet it also includes a mind boggling negative saying I have accounts that are late. This last fact is not true and I am unable to find this negative issue anywhere on my report. It's as if the report MUST have a negative comment somewhere built into the process to undermine the scoring system. There are no reasonable and understandable explanations for my scores dropping steadily from the low 800s to my present score of XXXX. I need an explanation.