23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD 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 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified item listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$8.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHRORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Payday loan

XXXX is my original complaint number I 've done my homework and believe that money mart should have only charged me XXXX dollar to cash my check not over XXXX $ the reason is because with settlement checks the state wants us to get full benefit from compensation that 's one reason why they do n't tax us, no I want reimbursement in full today
Product: Credit card

Im having a problem getting Cash Back funds owed to me when I closed my Chase Sapphire Visa account on XX/XX/XXXX. I was informed that the remaining XXXX Ultimate Rewards points I had left in my Chase account would be directly deposited to my personal bank checking account in the amount of {$380.00}. The same day I closed my Chase Sapphire Visa account I received an email confirmation that stated Congrats ****! Your rewards will soon be a direct deposit. It also stated Your Cash Back is on the way, ****! and the Ultimate Rewards Order Summary indicated a Cash Amount of {$380.00}. 

I called Chase Customer Service on XX/XX/XXXX to see why the Cash Back was never sent to my checking account and I was told that they would look into it. After not hearing back for two weeks I called Chase Customer Service again on XX/XX/XXXX and this time I was informed that there was nothing that could be done since the account was closed. I asked to speak to the Customer Service supervisor who reiterated again that there was nothing they could do since the account was closed. 

I sent a letter to XXXX XXXX XXXX, CEO of Chase on XX/XX/XXXX with all the pertinent details along with a copy of the Chase Cash Back email confirmation, and requested that it be forwarded to the proper department for getting the funds owed to me. The letter was confirmed to have been received on XX/XX/XXXX ; however, to date I have not heard back from anyone on how to receive the entitled Cash Back funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against XXXX XXXX XXXX, and NAVY FEDERAL CR UNION regarding my accounts. I am invoking my rights under the Truth in Lending Act, specifically 15 U.S.C. 1635, which grants me the right to rescind the loan agreement due to failure to provide required disclosures,. 

I hereby notify the persons of my intention to rescind the loan agreement and request that they acknowledge this rescission in writing. I expect all related documentation to be provided to me within the statutory time frame. 

Additionally, I am invoking my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), to request that the persons cease and desist all collection activities and refrain from any further credit reporting related to this account. I do not wish to be contacted regarding this matter, and I expect all collection efforts to stop immediately. 

Please ensure that this complaint is processed and that I receive confirmation of the actions taken in response to my requests. I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I asked EXPERIAN to make sure my credit report was accurate on a dispute about XXXX XXXX XXXX XXXXXXXX. They got back to me saying It was updated. That is false. Nothing was updated let alone verified or corrected. 

the account was charged off. It was charged off in XX/XX/XXXX. However, experian neglected to " verify '' and " correct '' the entire listing on the account and it is still showing CO ( " charge off '' dating AFTER the closing. Since then this account has been repeatedly updated as charged off every month since XX/XX/XXXX. This is an update to payment history which to my understanding - payment histories shouldn't be updated on charged off accounts. This also falsely manipulates the statue of limitations. 

You previously investigated the accuracy of this account and disclosed your findings along with updates on file no. XXXX dated XX/XX/XXXX - I attached that. The account reporting on my consumer report remains inaccurate and is injuring to my reputation. 

I demand now that this account be deleted from my credit file and confirmed back as such in writing including my ACCURATELY updated credit Experian report. To ensure Experian can verify who I AM, and complete this demand for deletion pursuant to the FCRA congressional findings, I've gone ahead and included a copy of my drivers license, a utility bill, and W2 to validate identity and soc ssec #.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand deletion of this alleged debt formed from Identity theft!
Product: Mortgage

My mortgage loan ( XXXX XXXX XXXX ) was resold to another company ( XXXX XXXX. My mortgage payment is taken out on the XXXX of the month from autopay, and I was charged a second time from an unauthorized payment on XX/XX/XXXX equal to my monthly mortgage payment. 

The customer service rep I spoke to on the phone, said this has happened to a lot of people and my refund is already in progress. Yet, further along the phone conversation, she mentioned she would 'begin ' the refund process, which indicates there was no refund in progress and was a statement intended to keep the peace. I recorded the conversation if it would be needed for record. 

XXXX XXXX was fined {$25.00} XXXX in XX/XX/XXXX for this exact scenario by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Lexington law firm to repair credit monthly and disputed all with all credit agencies.
Product: Credit card or prepaid card

Discover receives a dispute from me two days after XX/XX/XXXX and I first told them this is straight up fraud, but their not listening at all. They refuse to close my card, and file a dispute appropriately. Then, I have to file a dispute and I knew this wasn't handled right from the beginning. Now, on XX/XX/XXXX, Discover says to me that they will just need the invoice and make things right. Then, with a follow up call today, I am told another whopper story of why their not adjusting my account from XXXX to XXXX in which this woman 's service did not add up to XXXX. I have now closed my credit card and found their is no transparency at all with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have committed some violations .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *15USC 1681 Section 602A states I have a right to privacy *15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction
Product: Student loan

Full payment history for ALL graduate loans missing. Once graduate loans were sold from XXXX to Nelnet in late XXXX and now Nelnet is stating they have no previous payment history. I have been paying on these graduate loans since XXXX so I have at least XXXX years of missing payments. I need a full payment history for all graduate loans
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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: Debt collection

My name is XXXX XXXX XXXX my number is XXXX I am contacting you because i feel as though i am being illegally pursued for a debt i do not owe. The debt is with aurora bureau of collections and it is for XXXX XXXX XXXX XXXX i just went to court on XXXX and told them i disputed the charges but i didnt have the money for the filing fee XXXX. So he told me the judge would enter a default judgement against me to give me to time to file me response not even two day later i have a letter from aurora bureau collections lieing and stating judgment was entered against me and they demanded payment i kept the letter and took it to court and filed the filing fee and copy of them demanding payment before the judge had even ruled!!!! Then they complaint say there were 7 holes in the wall not while i lived there the church wouldnt of given me the money to move to XXXX XXXX XXXX XXXX XXXX XXXX colorado XXXX if they would slof saw wholes in the wall!!!! Then XXXX XXXX gave me a week to move i moved and got the money from the church in 4 days!!!! So why is she trying to sue me 4 years later and put it on my credit when i did what she asked and i suspect identity theft and fraud because there were no 7 wholes left in the wall when i moved into my new home so that makes me wonder who did she allow to live there under my name after she kicked me out and i was already in new home to obtain 7 wholes in the wall??? I have all my court papers. Please call me back at XXXX something is not right and it dont add up. And i dont think they followed the necessary legal steps to collect and pursue for this debt. Please help XXXX XXXX XXXX
Product: Debt collection

I recently checked my consumer report and I noticed numerous fraudulent and inaccurate accounts.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ACCOUNTS on my credit report. The ACCOUNTS are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent ACCOUNTS affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the ACCOUNTS claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the ACCOUNTS immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent numerous amounts of letters to the creditors they say I owe them. However, they have failed to respond to any of my letters. I have sent letters to the XXXX, XXXX and XXXX in the hopes that they would remove the items from my credit report. They have said that the accounts have come back verified however they have failed to provide me with documentation of proof that these accounts are mine. I have sent letters very month since XX/XX/XXXX trying to resolve the matter. the accounts in question are XXXX XXXX XXXX LVNV Funding and XXXX XXXX
Product: Money transfer, virtual currency, or money service

US bank called and said they had overpaid me in XXXX in the amount of {$500.00} and now in the middle of XXXX want it returned. 
I told them that if what they said is true then they made the mistake XXXX years ago and to write it off. 
I got a letter from XXXX XXXX XXXX saying US bank handed the collections over to them. 
I told them I dont owe anything and if they touch my credit I will sue them. 

Please help Thank you.
Product: Debt or credit management

I am currently in student loan repayment with Mohela, on the SAVE plan. My monthly loan payment was originally {$0.00}, and I was directed by Mohela in XX/XX/year> to recertify my income for a XXXX XXXX recertification date, which I did as instructed, and which increased my payment to {$270.00}. After I recertified my income, the department of education released guidance delaying the recertification process until XX/XX/year>, and indicated that all payments that increased should have been reset to the original payment ammount. I have reached out to Mohela several times to get my payment reset, without any change being made. Here is the link to the latest income recerticiation guidelines from the department of education : https : //studentaid.gov/announcements-events/idr-recertification-extended I would appreciate any assistance helping to assist Mohela to reset my monthly loan payment.
Product: Credit card or prepaid card

On XX/XX/XXXX I almost lost {$900.00} dollars to a scam. I realized it after I gave them the card numbers. I quickly called Vanilla Mastercard, to cancel the cards. I asked for replacement cards and they said it would be about two weeks. The cards never came. I called them again on XX/XX/XXXX. Then they told me It would be 30 days and they said they put in for the cards for me, I waited five weeks and still no replacement cards. I called them again after 30 days and they told me they had just been sent out, and that they send them out AFTER 30 days had passed. It is now XX/XX/XXXX and I still have not received my replacement cards. I am a XXXX veteran on a fixed income, I can not afford to not have these cards. I was unable to pay my XXXX rent because of this scam as it is. I am seeking assistance from a veterans resource to pay my back rent because I don't have the money. If I get these cards I can pay bills with them and start paying my back rent. I am, however, not able to get cash off of the cards, but paying bills with them will free up some money for me. The two cards were a total of {$900.00}, {$400.00} on one and {$500.00} on the second one.
Product: Credit reporting or other personal consumer reports

I received a summons to go to court. I called my lawyer. He appeared at the hearing and I won. The case was overturned and the debt was found to not be my responsibility. I have attempted to have my credit updated through disputes to no avail. Please remove this derogatory, incorrect information from my credit report. Thank you for understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card information was stolen back of XXXX of XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and Los Angeles and charges from $ XXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed by a man asking me for a jump start outside a mall in the XXXX Florida area while on vacation in late XXXXXXXX XXXX XXXX  He asked to use my cell phone and while doing so accessed my XXXX wallet to send XXXX dollars to an unknown number. XXXX of this was from my apple wallet itself, and the other XXXX was charged to my Navy Federal Debit card. I immediately called XXXX to claim fraud, and they began an investigation into their part of the money ( the XXXX ) and instructed me to call navy federal to begin a claim regarding the other part of the money ( the XXXX ). I did just that and Navy Federal began their investigation while crediting the money back to me for the time being. A few days later XXXX contacted me telling me they had found the charge to be unauthorized and returned the XXXX to my account. In late XXXX of this year, navy federal contacted me stating they had concluded that no unauthorized transaction occurred and removed they temporary credit from my account. When I contacted them, they refused to give me a reason why my claim was denied.
Product: Debt collection

I attended XXXX XXXX in Delaware, Ohio and had the membership cancelled, they continued to charge my account after the fact so I had went to my bank ( XXXX XXXX  ). There they had reimbursed me for all of the money XXXX XXXX had took during the time I did not have a membership with XXXX XXXX, I also had to change my debit card because XXXX XXXX would attempt to keep collecting from my account. After a while I started getting call from First Credit Services. When i answered these calls I would ask them what the call was about, and they said they need to speak to my parents ( Im XXXX years old ) when I asked why they wouldnt even tell me that, so I thought this was a scam obviously not knowing what these people wanted and why they kept calling me, I ended up looking up First Credit Services and called the number on there website where I spoke with a lady who couldnt even find any information about me. I was obviously confused but I didnt think anything of it until I kept getting calls from First Credit Services XXXX of course I kept asking them why they were calling and they would not provide any information what so ever to me. Now when I check my credit I have a derogatory mark affecting my credit because of something I couldnt control.
Product: Credit card

I opened a line of credit with XXXX XXXX XXXX with TD Bank. I have since made two payments to them. My bank is rejecting the payments because they are not recognizing the creditor as a legitimate creditor. I have since called my bank and asked them to allow payment for this line of credit. TD Bank, who holds the line of credit, has since charged me fees and filed against my credit. I have made multiple calls to them and made every effort to pay them. They have told me they were going to have a supervisor contact me multiple times and I have never received a call back. They have agreed to remedy the credit issue to ensure that this has no negative impact on my credit and now I can not even get them to give me an update. It is a never ending list of them asking for more information and then never getting anything done. I have spent hours on the phone and been treated terribly by them. I am seriously concerned that TD Bank has no interest in helping me and I feel like they are ignoring the issues to attach additional fees to our account. Please help us as it appears TD Bank has no interest in helping. What options do we have?