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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. 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 first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e- False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


3.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Mortgage

On XXXX XXXX XXXX Dovenmuehle mortgage, a former mortgage loan servicer of ours sent me a letter stating that they have unclaimed property ( {$450.00} ) from XXXX XXXX XXXX, XXXX ( another former loan servicer ). I did not reach out in time of their deadline of XX/XX/2022 to claim the funds, so they stated they would submit the funds to the state of Florida for me to claim via the state 's unclaimed property site. After checking with the state of Florida, for several weeks after the deadline, and up through, today, they still do not have the funds. I have called Dovenmuehle several times to inquire about the lost funds, but they just issue a blanket statement that if I missed the deadline, then the funds were released to the state. Nobody that I spoke to, or that was transferred to, could actually trace my missing funds. Supporting document provided. Thank you.
Product: Vehicle loan or lease

Hi, I'm not quite sure what's going on but something doesn't seem correct about this account. There is no way that this account is mine because it showed that the account was open then closed down. Something seemed so awful about this account and the way it's reporting. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher.

What I am disputing : The account you have reported to the thre
e credit bureaus. My basis for this dispute is that I have no knowledge of this account.

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require.

Otherwise, please provide me with your documentation showing that this account does indeed belong to me.

Please send me copies of the contract used to establish the account with my signature on it.

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 


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

On XX/XX/XXXX I was offered a settlement amount of {$600.00} for this account. I made a payment on XX/XX/XXXX in the amount of {$120.00} towards the {$600.00} them I made another payment on {$110.00} on XX/XX/XXXX. The amount was not changing on my account as paying so I called Santander to ask them to correct the amount they said they would not change amount then reported my account as in collections/ charge off with a balance of {$1000.00} and account closed. I contacted XXXX to dispute the amount and submitted the settlement letter and receipts to the payments. I explained that if they could report the correct balance according to FCR act I would gladly pay remaining settlement balance. XXXX investigated and declared that account was accurate. They did not send supporting documents XXXX gives Santander 30 extra days when I call in and make complaint. I have disputed this inaccurate information for o year now each time the company receives 30 extra days to not investigate properly. The company also charged the account off in XX/XX/XXXX when I made payment on settlement they reported as charged off.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Equifax Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
I demand that the following account be validated or DELETED immediately : 1. XXXX XXXX XXXX  2. XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure to be used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, Equifax and XXXX. I have given documentation showing the item has been requested for payment for removal from the collection 's agency. Spoke with XXXX, customer service agent, from XXXX XXXX and completed the payment for request of removal. 

I am requesting the item is removed from my credit report to show the utmost updated information with accordance from XXXX XXXX sending on XX/XX/, establishing the payment for removal letter. 

Collections Agency : XXXX XXXX  Amount : {$260.00} Confirmation Number : XXXX Requested : Payment for Removal Note : Enclosed is the receipt for payment on the account. In addition, XXXXXXXX XXXX sends payment for removal letters on the XXXX XXXX of each month. In my case, is XX/XX/. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the above item as soon as possible.
Product: Debt collection

I was served by Knight Adjustment Bureau in XXXX. I called the day after they served me and they transferred me to my collector. I left a message. I called again the following Monday. And left a message. I called for another three days and did not get an o talk to my collector, XXXX. She did not call me back either. And now my wages are garnished.
Product: Debt collection

The debt collection company Bilateral Credit is attempting to collect a debt that I do not owe. I have documentation clearing showing that the debt was paid in full in XX/XX/XXXX directly to the original creditor. However, the company continues to harass me by calling me at work multiple times per week. They did not respond to my letter showing that the debt was paid-in-full. Instead, they have continued trying to collect the debt more than one month after I provided this documentation. 

I have attached to this complaint my correspondence with bilateral credit and their correspondence to me. This also includes the documentation that shows the check I mailed to the original creditor with the letter attached. As stated in my payment letter, by depositing the check, XXXX acknowledged that this debt was paid-in-full. 

Bilateral Credit has now filed a negative account status on my credit report with XXXX. As this is a dispute between an employer and employee, this should never have been reported on my credit report as delinquent consumer debt account. There was never any debt agreement in place with my former employer, so I fail to understand how this can be reported as consumer debt. Nor did I ever enter into a debt agreement with this employer. This is clearly harassment, and Bilateral Credit is violating the Fair Credit Reporting Act by submitting this improperly.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed incorrect accounts that were negatively reflecting on my report hindering me from obtaining and sustaining proper living conditions for me and my family. By them not properly and accurately verifying accounts they are violating me and breaking the law by not following the FCRA. I have included another letter in the attachments that you can provide them to remove accounts and delete all unauthorized inquires from my file.
Product: Mortgage

I am in urgent need of your help in this matter. I had a job transfer that has created a hardship for my family. We tried to do a modification with no success. We have been working with a realtor and after several months we finally found a buyer. This is a great offer and it was submitted to Capital One 's short sale department on XX/XX/XXXX, Which we have proof of. The short sale department for Capital One is claiming that they did not receive it until XX/XX/XXXX and that was within 30 days of the foreclosure sale date and denied the short sale. 

We have worked so hard to find a buyer in this hard market and to now be told that we did n't make the deadline because Capital One 's short sale department did n't open what we sent them until XX/XX/XXXX is crushing. We are simply asking for them to postpone the foreclosure sale date for 30 days to allow the review of the short sale. 

I have XXXX boys and XXXX that is in XXXX. It is XXXX time and I do n't want my family to be tossed out of our home right at XXXX. We have lived in this home for over 12 years and have had our struggles like everyone else. We just want the opportunity to be able to at least do a short sale. We are trying to reach out to any upper management at Capital One for help but this is going on deaf ears!!! 
Please Help!! 
God Bless!!
Product: Checking or savings account

My current Paypal debit card was set to expire XX/XX/2022 and I received a new debit card as a replacement. On XX/XX/2022, I attempted to activate the new card via phone and online, but was unsuccessful. I called customer service rep was informed that I need to authenticate my identity. I supplied Paypal, via secure link, a copy of my drivers license, social security card and a current utility bill. Upon call back on XX/XX/2022, Paypal advised the social security number on their file did not match the social security card I supplied them. The rep advised the matter would be assign to a XXXX. I called again XX/XX/2022 and was informed by Paypal that they could not correct my social security number as evident by the card supplied them, and as such I needed to discontinue direct deposit. 
Paypal has a copy of my driver license ; a copy of my signed social security card wherein both the signature of driver 's license and social security match, and a copy of my current address.
Product: Credit card or prepaid card

I have had this Visa card ending in XXXX since 2003. Bank of America closed it. We are having some temporary financial issues. They will not do direct assistance for the short-term in-house. They " require '' you to go through a non-profit credit counseling agency. They have a special phone line set up to call about 5 different ones. They transfer you to that phone line, and whoever picks up first is your credit agency. They send you letters stating that you " pledged '' to go through credit counseling. I looked at XXXX XXXX XXXX. The web link Bank of America has ended in /bofa. So it's a referral link. The representative I spoke to about this told me that they knew how to contact places for help with food, living expenses, and utilities. I was even told they would help with the Homeowners Assistance Fund. I talked to them, none of that was done. They act like they care that your expenses are handled. However, they want to maximize the money you have left over to go to, only certain, credit card issuers. Which from research, are the ones who fund them, I'm sorry, donate. When I went through this call, I was told to use XXXX XXXX for lower gas prices, which in Oklahoma, there may be a XXXX cents. I was told to unplug my phone charger at night as it wastes electricity charging the phone after it's charged. It's a 1 Amp, 5 Watt USB charger, that only draws power when the phone needs it. Which would be about 1 hour at night. So XXXX hours at 0 Watt with 1 hour at 5 Watts, 10.2 cents per Kwh, this is .005 for an hour. So it's a questionable {$18.00} a year, to charge to 100 %. Nothing against XXXX, but BofA forced me to use a non-profit, that they own, sorry, " donate '' to. So they saved me {$5.00} in gas when accounting for the gas mileage of 12 gallons with 21 miles per gallon on average for a year. I really appreciated the counselor taking that time, but for a customer of 20 years, with no history of late payments, none, they close my account just because I'm having a slight temporary issue in my finances. I took the time to call all of my creditors for help. The very nice young woman I spoke with at BofA was the best! I'm not happy. Oh, this card has a 5 % + prime rate as the interest rate. They were dying to get rid of it. BofA has probably made close to {$100000.00} in fees and interest off of me. Who cares though, he is needing help for 6 months, oh due to a XXXX as well, which I did inform them of. Not to throw that card out, but it's true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I had identity theft and told XXXX what happened because everything was done online and my social security card, birth certificate and my D.L was stolen and somebody bought phones and lines in my name so I told XXXX and filled out there claim and they contacted me back and said we investigated and we are dropping this, however I have cleaned up my credit and even settled for less for things that are not mine and than XXXX shows up 3 years later saying I owe them XXXX which I thought was taken care of, so now there is a 3 month old bill that is really 3 years ago so it looks really bad on my report. I explained to XXXX 3 times and they keep saying is its denied because XXXX says its validated. I contacted XXXX and they said they were investigating but I don't trust anybody anymore I need this deleted or I will settle for less just to clear this but the date is not right. It docent take 3 years to put a report in that should be suspicious to the credit agency. also I need help so that nobody puts anything else on my report I need action taken because I still have inquires that are coming up like 45 and they are incorrect, XXXX, XXXX  and XXXX  said they would take care of these but its not happening. I have worked so hard to get this better, I pay my car almost double payments for 1 year at 28 percent and I need to refinance but I can't and I also have two credit cards that have never been late but I can't apply for new correct, my husband and I are trying to open a business and we can't if we don't get approved because they check credit so please assist me and ask the credit agencies to please properly investigate and take these inquires off. I got a car, they said there would only be 1 ding well there are way more than that and all the new ones except like 3 are not mine because I am scared to apply. I would never apply for XXXX XXXX ever again, or XXXX  or XXXX, these credit cards charge annual fees. Please help me Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.
Product: Credit card

I have consistently made sure that payments on this account are made promptly, avoiding any instances of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Payday loan, title loan, or personal loan

I am trying to pay the principal amount but the company is keep Just changing me with the interest. I called them 3 or 4 Times for them to take out the whole amount and paid it off but they keep Just charging me with the the interest.
Product: Debt collection

I keep getting phone calls from XXXX XXXX XXXX from their multiple phone numbers. I do not owe any debt. My federal student loans don't have to be paid off until after I graduate in XX/XX/2021, and I pay off all of my credit cards every month. I do not have any debt. They call multiple times a day and try to scam, and it's getting really irritating.
Product: Checking or savings account

Yesterday on XX/XX/XXXX I deposited a check through the XXXX  app. I then tried to transfer a portion of said check to another bank, as it was made available for me to transfer. A few hours later I try to log in and it says my account is locked due to security reasons. I call and they explain to me that my account was locked due to an investigation by the fraud department. I've read online and from friends that these reviews can take anywhere from 30-90 days. I can not wait that long. I am a XXXX XXXX XXXX, I have bills I need to pay and don't have the ability to do so without accessing my funds. No rep has been able to put me in touch with the fraud department as they are not able to be reached over the phone. 3 emails have left no answer. This is money I need to access to pay my bills.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX Re : XXXX Dear LVNV FUNDING LLC, I'm replying to your communication regarding a debt you're attempting to collect. You reached out to me via [ XXXX ] on [ date ] and provided the following account details : [ Account number, if provided ] [ Name of the original creditor, if provided ] I am informing you that I dispute the debt you're claiming I owe. 
If you have reason to believe that I'm still responsible for this debt, kindly provide the following details to ensure I have all the necessary information : The creditor 's name and address who is currently requesting payment The original creditor 's name and address ( if different from above ) The amount owed The account number Documentation that proves there is a legitimate reason you think I owe the debt i.e. a copy of the original contract The most recent billing statement the original creditor sent to me An itemized list of any additional interest or fees XXXX itemized list of any payments since the most recent billing statement If you're providing this data to a credit bureau, please report that I'm disputing this debt. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.