23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian has listed on my credit report a debt that was abolished by XXXX XXXX in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX XXXX agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. Experian keeps verifying the debt as valid because XXXX XXXX is supplying fictitious information because collection efforts remain in effect for XXXX party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. 
XXXX also has an account listed by XXXX XXXX in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by XXXX by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly. 
XXXX is also listing the erroneous account by XXXX XXXX as past due in the amount of {$1500.00}. XXXX also has several collection accounts that have been paid and I have provided written proof supplied by the collection agency for medical bills. The companies are XXXX XXXX XXXX XXXX XXXX and XXXX collections. The collection companies agreed to delete the entries electronically but they remain on my credit file. 
Additionally, XXXX XXXX XXXX has an open claim with XXXX XXXX for damages on a vehicle that I rented in South Dakota from XX/XX/XXXX thru XX/XX/XXXX while on of several travel contracts for work at XXXX XXXX XXXX. I was never notified and allowed to investigate the validity of the debt. When I realized it on my credit report, I called XXXX XXXX and spoke with XXXX XXXX who agreed to delete the entry if I paid her because she did not believe the XXXX would pay the " extra fees ''. The was minor under baggage damage that was not visible to me when the vehicle was returned. I was made aware of the collection efforts when I checked my credit earlier this year. This account appears on my Experian credit report and was verified as valid. I never received notice of the debt. I was never allowed to investigate the validity of the alleged debt. 
Lastly, XXXX XXXX XXXX was paid {$720.00} in XX/XX/XXXX in an effort to have them remove a collection from my XXXX and Experian credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent the following letter to all three major credit bureaus via certified mail. With no proof of items disputed recieved back. I am asking for a deflection due to no response or proof of items letter sent below. 

XX/XX/XXXX Hello, This is a formal complaint because I am extremely upset and confused about the information included below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Please obtain and provide the following Original Contract Payoff Disclosure Interest Rate Disclosure Balance History Payment History Credit Insurance Please delete this misleading information if the items above can not be supplied. Please supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have 30 days to complete your investigation. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Account Name XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Bank account or service

I opened a line of credit in XX/XX/XXXX that was linked to my checking account ( had same account number for the LOC ). My husband filed bankruptcy XXXX, but I did not and I continued to make on time payments for 3 years..until XXXX and the online payment option was no longer available. I called Bank of America to find out why I could not make my XXXX payment on XXXX/XXXX/15 at XXXX and spoke to XXXX, who assigned me a case # XXXX and then spoke to XXXX in the escalation group. He informed me that they charged off the account on XXXX/XXXX/15. I told him that could n't be because I had not even had any late payments in over 3 years, but he said it was because my husband was joint owner of my checking account. I explained that I did not file Chap XXXX and I was primary on the account. I told him I HAD to make my payment and he said there was no way for me to pay it because it was charged off. I said there 's no way with my job that I could have something like that on my credit and he needed to find a way for me to pay them. He insisted that was not possible for me to pay the account and that he GUARANTEED it would not show up on my credit. I pulled a credit report on XXXX/XXXX/15 to find there was " no data '' for XXXX and the remaining months show charged off. I called Bank of America again on XXXX/XXXX/15 at XXXX and spoke to XXXX who said she would take the payment for the total amount and I said I needed to talk to a manager before I did that. She assigned me another case # XXXX and that someone would follow up with me about this. No one has called me or mailed any further information to date ( XXXX/XXXX/15 ). If they were going to charge it off due to my husband 's bankruptcy, I should have had some warning so I could have paid it in full to avoid having a charge off on my credit. If they did n't have to give me notice of this, why did they take nearly three more years of payments after the bankruptcy? If XXXX was willing to take the payment on XXXX, why would XXXX not accept the payment on XXXX? XXXX and this is critical to my job. The way they 've reported this is fraudulent because the loan was charged off before it was late and then I was blocked from paying it until they reported the negative information.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Debt collection

I, XXXX XXXX, am filing a second formal complaint against XXXX XXXX XXXX, XXXX, acting as a debt collector for American Express regarding an alleged debt of {$2100.00}. Despite my initial complaint, XXXX XXXX XXXX, XXXX. continues to fail in meeting its legal obligations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other consumer protection laws. I am disputing the validity of this debt, as the firm has not provided sufficient documentation to substantiate their claim. Specifically, XXXX XXXX XXXX, XXXX. has not presented a legally binding contract containing my authentic signature and full Social Security number to verify my consent or obligation to this debt, as required under 15 U.S.C. 1692g ( b ). Until such documentation is provided, all collection efforts must cease as mandated by law. Furthermore, XXXX XXXX XXXX, XXXX. continues to ignore my request for arbitration as outlined in the standard contractual clauses of American Express agreements. This refusal to honor arbitration provisions demonstrates bad faith and a disregard for procedural fairness, in violation of the Federal Arbitration Act ( FAA ), 9 U.S.C. 1-16. Their failure to take action on arbitration reflects a broader pattern of noncompliance with consumer rights and industry standards. XXXX XXXX XXXX, XXXX. 's actions also raise significant concerns under the CFPB 's Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. The firm persists in its collection efforts without providing legally required validation of the debt, relying instead on incomplete and insufficient responses. This conduct constitutes abusive practices and undermines the protections afforded to consumers under federal law. I respectfully request that the CFPB investigate XXXX XXXX XXXX, XXXX. for violations of FDCPA 1692g ( b ), UDAAP standards, and other applicable statutes. Additionally, I demand that the firm immediately cease all collection efforts until it provides full and verifiable validation of this alleged debt, including a signed contractual agreement with my authentic signature and Social Security number. I also request that XXXX XXXX XXXX, XXXX. honor the arbitration provisions specified in the American Express agreement as an alternative dispute resolution method. If XXXX XXXX XXXX, XXXX. continues its noncompliance, I will have no choice but to seek judicial relief, including damages for violations of consumer protection laws. I urge the CFPB to take swift and decisive action to address these serious violations and hold XXXX XXXX XXXX, XXXX. accountable.
Product: Debt collection

I have paid over {$1200.00} for a {$450.00} loan. They continue to call my numb er 5-6 times a day. Hang up  over and over. Call my place of employment over and over. Threaten to take legal action. This loan has been paid, more than in full. I would like the calls to stop and the debt to be placed at {$0.00} as it has been paid.
Product: Credit reporting or other personal consumer reports

I received responses from the company on XX/XX/year> in relation to the company 's continued abusive and dishonest conduct. 

The responses were dishonest and continued to lie and be abusive. 

The company referred to the process of intentionally hanging up the phone on a customer as being " professional. '' The company referred to employees giving incorrect information as being " professional. '' This shows a continued level of negligence and abuse. It was exactly this kind of disrespect that got the company reported years ago when they proceeded to retaliate against me for reporting them. I put up with their negligence and abuse for years before saying anything and it is disgraceful that they continue to engage in this conduct several years later.
Product: Credit reporting or other personal consumer reports

Victim of identity theft. Could not get in touch with a XXXX XXXX representative. Called Equifax and they told me they could not help me with out a report. I don't have a copy of my police report because all I have is an email saying there was a hard inquiry on my credit.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or XXXX, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently contacted XXXX, Mohela, XXXX, and XXXX. 

I recently had a student loan XXXX because I am XXXX  and XXXX  XXXX. 

XXXX and XXXX has this loan as XXXX. That's good. 

My question, and problem, is that they keep reporting late payments from about 5 years ago. I'm XXXX, have XXXX XXXX  XXXX XXXX, as well as other XXXX  XXXX  problems, and it will do no good for me to have the loan XXXX and carry the late payments, which are under dispute. I say under dispute because I received a forbearance or deferment during those times, my income never went up, and thus should've been in forebearance or deferment. That is proveable as I get income from XXXX  XXXX  and XXXX. 

Besides that, each of the XXXX entities above claim that the other is the one to delete the " late payments. '' So who would be responsible for doing that and who does what next? 

This is very troubling and confusing. You simply can not get XXXX on the phone... they've set their phone menu up to direct you to their website in EVERY CASE. 

Mohela is so busy that in practicality you can't reach them. 

Only XXXX can be reached on the phone. Otherwise I send messages and they refer to the other party. Now tell me that this isn't a common occurence. People need to know the solution to it, rather than wringing their hands. 

I'd like to get this resolved before I die ... surely my last words wouldn't be that I had late payments on this initial {$15000.00} student loan, that was supposed to be taken off after teacher service at a low income school. This loan was taken out 35 years ago, and I've suffered enough, with a balance of over {$200000.00} until recently. 

So, which entity starts the process? Who finalizes it? Please help.
Product: Checking or savings account

I noticed I had XXXX unauthorized transactions of {$150.00} each totalling {$900.00} pending on my account on XX/XX/2024. I called BMO immediately to file a claim. The representative explained that they have no way to file a claim unless the transactions have posted to the account and I'll have to call when the transactions post on XX/XX/2024. I asked for the deposit account agreement and the representative told me where to find it on the website. On page XXXX of the account agreement it states, " Unauthorized Transactions, Errors, and Questions Call us at XXXX or write to us at BMO, XXXX XXXX XXXX, XXXX, IL XXXX, IMMEDIATELY ( i ) for errors involving Card transactions, ( ii ) if you believe any of your Cards or PINs have been lost or stolen, ( iii ) if you believe your statement or receipt is wrong, or ( iv ) if you need more information about a transaction reported on a statement or receipt. 
Telephoning is the best way to minimize your Losses for any error or unauthorized transaction. '' I assume immediately would mean at that exact moment. There is another section on page XXXX that states, " Limitations on Your Liability for Unauthorized Personal CardTransactions If you tell us within two ( 2 ) Business Days after you learn of the loss or theft, you can lose no more than {$50.00} if someone used your Card or PIN without your permission. However, you could lose as much as {$500.00} if : You do not tell us within two ( 2 ) Business Days after you learn of the loss or theft of your Card or PIN ; and We can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us. 
If you do not tell us within sixty ( 60 ) days after the statement was provided or otherwise made available to you and if we can prove that we could have stopped someone from taking the money if you had told us within sixty ( 60 ) days, you may not get back any money you lost after the sixty ( 60 ) days. If a good reason ( such as a long trip or a hospital stay ) kept you from telling us, we may extend these time periods. '' If we are to go off their policy to only take claims once they post then an account holder is burning one business day waiting to call back and effectively has only one business day to report the loss to limit their liability to {$50.00}. That feels pretty deceitful. From my understanding of regulation E and BMO 's own account agreement it doesn't make any mention of waiting for transactions to post to start the clock on the financial institution to investigate unauthorized EFTs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter, dated XX/XX/2022, addresses Citibank , N.A . to opt-out of sharing and reporting my information to non-affiliates. Citibank is reporting transactional history to credit report agencies, when I have not provided written consent to share or report any information.
Product: Money transfer, virtual currency, or money service

I am a customer of Blockfi online digital asset service. I hold funds in Blockfi 's Wallet where funds are owned by me based on their terms of use. I receive no interest from my wallet holdings and these assets are supposed to be available for withdrawal pending a reasonable processing time. I have requested a withdrawal of my funds but have not received funds and have reason to believe that my fund 's withdrawal request is being denied in violation of the terms of use.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Following my divorce my ex-wife had our original mortgage modified after getting the home into foreclosure. Wells Fargo modified the mortgage lowering the principal and interest and adding a XXXX mortgage for back payments and legal fees. The house has gone into foreclosure again and Wells Fargo is coming after me, I did n't sign any of the paperwork to modify the original mortgage or the second. How can I be held responsible for a contract that I did n't execute?
Product: Credit reporting, credit repair services, or other personal consumer reports

By the time the CARES ACT was put into effect, our business revenue had dropped by 70 % so we chose to apply to XXXX XXXX for temporary payment suspension on our home mortgage Act # XXXX. The application clearly stated " We won't charge late fees or report additional missed payments to the credit bureaus ''. Our mortgage was current at the time of the application. The application was granted on XX/XX/2020. On XX/XX/202 we noticed my wife 's Equifax credit score, as it appears on XXXX XXXX, had dropped 41 pts and mine, as it appears on My Fico had dropped 4 pts. This has been since the application was granted and after we did not make our XXXX mortgage payment. XXXX XXXX lists the reason for change as XXXX XXXX using the term " Forbearance ''. MyFico lists XXXX XXXX as the change and shows " Paid as Agreed '' and " Past Due Not Reported '' I contacted XXXX, ID : KMN at XXXX XXXX today, XX/XX/202 and in a conversation that I have recorded he stated they were being inundated with customer complaints and literally got a memo about this issue with talking points specifically naming XXXX XXXX within the hour of my call. He tried to assure me this should not have a negative effect on my ability to obtain credit and I stated that wasn't my concern. A 41 point drop on an Equifax score is hardly re-assuring and the fact that is now a matter of record. I have not been able to reach any of the Credit Bureaus and I am seeking the CFPB 's help in getting this removed from our credit history and elevating our scores back to their previous levels.