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

Despite the multiple previous written requests, the unverified item 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 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

My complaint is against TD Bank/XXXX  account # XXXX. On XX/XX/XXXX I went to XXXX web page to by a phone. The phone had a cost of {$1600.00}, on the portal there were different options how to pay your phone ( finance, upfront, etc ), so I decided to finance it. Payment went through, everything approved. Some days later I received the phone without any type of agreement which I saw rare that the did not send it. 2 months later a received a call from x collection on behalf of TD Bank and to be honest I didnt even knew that bank even existed. So I immediately contact XXXX and maid payment in full of {$1800.00} on XX/XX/XXXX. So I de decided to call them both TD bank and XXXX. In TD bank they ask my SSS and the account number and the agent told me that I didnt even had an account with them. This call was made on XX/XX/2019TD bank should have that call recorded. So then I decided to call XXXX to get some kind of explanation of whats going on. In XXXX they told me that what happen is that they never received a payment from me until the XX/XX/XXXX for the amount of {$1800.00} and me thinking it was in automatic payments and everything was ok. Now the phone carrier did have my correct address because I received the phone but I was told by XXXX that statements were return to them therefore I NEVER received any type of statements from TD Bank or XXXX or any late payment insertion required by FCRA . This is unfair business practice, negligence, breach of contract and the list of violations can go on. I dont want to take this case to court, that is why Im using this source to fix this issue. I just want for whoever is responsible of this error to fix it as soon as possible. I want a deletion letter from TD Bank as soon as possible. I have a {$700000.00} mortgage loan pending because of this mistake and if I have to take this case to court, believe me I will. Thank you!
Product: Vehicle loan or lease

In XX/XX/2023, I, XXXX XXXX, took possession of a 2023 Harley Davidson XXXX from the XXXX XXXX Harley-Davidson of XXXX Colorado . Therefore, let it be known that I, XXXX XXXX, do hereby claim this vehicle to be mine by right of possession and usage and do not recognize any counter claims secured through fraud such as the one being made by XXXX XXXX XXXX  who falsely secured the title to this property with bank credit fabricated from nothing thus failing to provide proper consideration. Let it be further knowing that any attempts to take this property from XXXX XXXX or deprive him of his rightful usage are illegal and a violation of his rights. Should attempts be made by any person public or private, the owner maintains his right to lethal self-defense and will do so with impunity according to the Make My Day law of the State of Colorado. 

XXXX XXXX is open to receiving counter claims at his residence provided those claims can prove legitimate ownership. XXXX does not recognize claims of ownership that can not prove possession, usage, or a valid transfer of title. Any claims to a valid transfer of title that were secured with Federal Reserve Notes ( ie U.S. Dollars ) are dismissed as null and void, failing the requirements of contract law. Any precedent of lending institutions successfully using Federal Reserve Notes to secure contracts is invalid on this basis. 

This post serves as public notice. I dont have the time, resources, energy, nor will to navigate the convoluted legal system that has been complicated by the vested interest of attorneys and their law firms. XXXX XXXX would further like to inform XXXX XXXX XXXX  and the CFPB that he is training hundreds of thousands of people worldwide how to expose the fraudulent and deceptive practices of the Federal Reserve System and its participants in depriving people of their rightful possession and usage of their private property.
Product: Credit card or prepaid card

American Express was notified to cancel the card and refund membership fee of {$690.00}, subsequently I elected to cancel card and representative said I had 60 days to seek refund. A new representative said the policy is now 30-days. This card is not in use and American Express has refused to give me a refund for the membership fee. American express is essentially charging for an annual membership fee which I have cancelled and not used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX loan in XX/XX/XXXX. XXXX XXXX XXXX said that I owed {$500.00} dollars for fees and charges. Not car payments. I referred them to XXXX and XXXX of XXXX when I paid those charges. They have reported late payments to all 3 bureaus. ( XXXX, Equifax, and XXXX ) I told XXXX that I was going to take legal action, and they sent my account in as a Charge off / Collection without the account ever being late. Even in their fraudulent reporting, they have me 60 days late in XXXX Then XXXX. no XXXX, XXXX, XXXX, or 180 days late. Then the charge-off. ALL TOTALLY WRONG. 
I have proof. XXXX sent me the letter of " PAID IN FULL '', and the Cars title, with the lien released. I sent letters to all three bureaus in XXXX and XXXX with copies of the account payoff letter and the car 's title. With a demand to delete this account if full, because it is wrong all 6 of the months at the end of the loan. I can supply the paid in full letter. And a copy of the title that XXXX sent me on XX/XX/XXXX. I wrote all three bureaus ' letters to delete. They are in the ATTACHMENTS.
Product: Credit card

XXXX - ATM cash withdrawal {$180.00} XX/XX/XXXX - Cash advance fee {$10.00} XX/XX/XXXX - Credit card charge XXXX XX/XX/XXXX - minumum charge {$1.00} Customer Service has taken forever to get a hold of and is poorly able to handle the issue. They told they would remove the charges but they still have not. But my greater issue is that they allowed the criminal to add an authorized user, change my pin, email, etc. It's absurd that it was allowed and that I have to go through the process of calling and spending hours to try to resolve this. 

This is with Best Buy Citi card with card number ending XXXX.
Product: Debt collection

JPL recovery solutions bought my debt from XXXX where I got the loan originally in XX/XX/2017. JPL recovery solutions has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.
Product: Checking or savings account

I was denied a savings account per email they had sent to me as of X/XX/2017 at my XXXX. 

They denied me a savings account they said due to not being able to verify my identity. The questions except for one pertained to me. The questions asked to verify me had nothing to do with me personally and were mortgage or debts or loan questions pertaining to my deceased relatives. 

I feel the questions were unfair as they had nothing to do with me and thus was denied a savings account with FNBO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX have attempted to have personal information and fraudulent inquires removed from my credit report. Experian continues to report fraudulent inquiries and incorrect personal information on my credit report with no proof of investigation. I am aware that as a consumer I have the right to have these items deleted and blocked from my credit report. Not only are my rights being violated but my character is also being defamed.
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the misconduct of Experian, a leading credit reporting agency. Despite providing all necessary documentation per Section 605C regulations, Experian has failed to remove negative items from my credit report, causing significant harm to my financial reputation. 

On XX/XX/XXXX, I diligently submitted trafficking documentation through the designated trafficking dispute website for Experian. In the process, I experienced multiple challenges accessing the website and when I did eventually get access the system kept timing out forcing me to lose all previously entered information. Regrettably, I received no email confirmation of receipt or written acknowledgment of the status of my submission. Despite my repeated efforts to navigate the system and ensuring proper documentation, the need for more transparency and accountability on Experian 's part is deeply concerning. 

It is imperative to highlight that the determination letter provided by the non-governmental 501-C3 organization does comply with federal requirements and meets the criteria as a representative of a nongovernmental entity actively combatting XXXX XXXX  The organization is engaged in identifying XXXX XXXX XXXX  providing essential services to victims, conducting community outreach and awareness programs, offering training on prevention, and undertaking various initiatives to combat XXXX XXXX 

Moreover, it is particularly alarming that Experian did not attempt to contact the organization for further clarification, despite the contact information being readily available. This lack of due diligence on their part is not only unjust but also a blatant violation of federal laws of fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous of times to unlock my credit report and remove the security freeze and no one at Equifax will help. I have tried using my Equifax credit to apply for XXXX home services for cameras for my home and keeps showing my profile is locked. I have spent multiple HOURS and DAYS on the phone with rude customer service reps that clearly tell me the file is unlocked and still shows to be LOCKED. I tried applied for other credit and my credit shows completely frozen. I can't use my credit for anything when any company uses Equifax to run my credit. I have contacted my attorney for this matter as well. Equifax is making me SUFFER by not allowing me to establish credit. I do not have any problems with XXXX or XXXX. I was once a victim of identify theft and have now straighten everything out and still they will not unlock my credit. 

Respectfully, XXXX XXXX
Product: Vehicle loan or lease

I filed for bankruptcy on XX/XX/XXXX and the bankruptcy got discharged in XXXX of XXXX. I exempted the vehicle loan with Bridgecrest ( Loan # XXXX ) while filing for bankruptcy and contacted Bridgecrest about a Reaffirmation agreement several times. It is not easy to get in contact with Bridgecrest, because the company does not respond to letters or emails -at all. The " Customer Service '' over the phone is unable, or unwilling to help with any kind of problem and does not pay ANY attention to the customers problem. However, I called them several times about the Reaffirmation and my request was denied. 
On XX/XX/XXXX at approximately XXXX XXXX I called Bridgecrest Customer Service and asked about their offer to skip one monthly payment. I was told, that my loan was discharged with my bankruptcy and that I have no chance to skip a payment. I told the lady on the phone ( no name provided ), that the loan was exempt from my bankruptcy case and was told, I am a liar and that the loan was discharged. So I asked, what would happen, if I would stop paying the loan. The Lady told me, I would not own anything, in case I'd give the car back and that it would not be reported as a repossession, since the loan was discharged. But as long as I make my payments, ( which I intend to do ), I can keep the vehicle and pay the loan off, as agreed upon. 
On XX/XX/XXXX at approximatelyXXXX XXXX, I wrote another email to Miss XXXX XXXX , asking for a written confirmation, that, if I would give back the vehicle, I would not owe any money to Brigdecrest and that this would not be reported as a repossession. I asked, why the loan is still in their Bankruptcy Department, when the bankruptcy was discharged over half a year ago, and was told, since " I failed to get a Reaffirmation '', it would stay there forever. I also noticed, that my payoff amount did not change since my bankruptcy, even if all payments were made on time. As always, I received the standardized answer, that Bridgecrest does not answer to emails and that I should call Customer Service. This doesn't make any sense, since the Customer Service is unable to help customers, and just in place to block customers requests. 
So I have no idea if Bridgecrest intends to send me the written confirmation, or not. I will make my payments and keep the vehicle, but I need the confirmation that, in case of me returning the vehicle, I will not owe Bridgecrest any money and they will not report this highly unlikely event as a repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data was improperly stored in an unsafe manner that made it possible for 143 million people to have been impacted by a data breach. I was informed, by Equifax, that my data was impacted in this breach.
Product: Money transfer, virtual currency, or money service

I filed my XXXX and I called to ask if I have it deposited in account they said yes but come to find I could n't and never received it!!
Product: Debt collection

I had a Discover credit card that I was approved for approximately 18 years ago when I lived in XXXX. I moved up to XXXX XXXX 15 years ago and ran in to some financial problems a year or two later and could not pay my debt owed which at the time was around {$13000.00}. Discover did send me letters saying it was going in to collections, but soon after than all communications from them ceased. I never heard from them again until about 8-10 years later saying they took me to court and sued me for {$26000.00}. Again, after that all communications stopped. A few months ago I received a letter from the Sheriff saying that my wages were going to be garnished. I had an attorney contact Discover to make a lump sum settlement for the original amount owed, but they refused to make any kind of settlement for any amount. I know that I NEVER received any form of legal documents from them in the form of a certified letter or document and was never served at any time. I believe they violated the statute of limitations in regards to filing the lawsuit. XXXX  statute of limitations is 3 years and XXXX XXXX  is 6 years. I know they took longer than that to file the lawsuit. That in addition to never serving me or sending written notice of a lawsuit I believe makes the lawsuit illegal.
Product: Student loan

Mohela received two payments that they have not credited to my account. They are sending me delinquency notices, and reporting my account as delinquent to XXXX. My bank has reached out to them to verify that they have received both of these payments, and Mohela is refusing to speak to my bank 's representative. I have uploaded proof to the Mohela website on five separate occasions, and calling to speak to a representative has also not solved my issue.
Product: Checking or savings account

On XX/XX/year>, I made a {$100.00} cash deposit inside the bank. Approximately 4 hours later, I logged into my account and noticed the deposit wasn't showing. I then checked my receipt and noticed the account the money was deposited to did not belong to me. I immediately contacted the bank and was told the window of opportunity to fix the issue had closed and it would take 1-2 days for my deposit to be credited to me. After 2 days, on XX/XX/year>, I went to the bank to address the issue in person. I was informed the matter was being expedited and I would have my money by the end of the day. On XX/XX/year>, my money was still not in my account so I went back to the bank and was again not given a concise answer, or was offered any real help on solving the matter. I then called customer service and was transferred between 4 different people without any resolution. I was given the number for the regional manager, whom I called and left a voice mail, but never received a response.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/year> Balance : {$74000.00} Late/Open
Product: Credit reporting or other personal consumer reports

Per complaint XXXX Equifax informed inquiries would be removed. Inquiries were removed and has been placed back on my consumer report some how. This is against federal law. As stated before I have identified inquiries on my consumer report that has been furnished without my written consent, instructions, and I didn't provide permissible purpose this is identity theft : INQUIRIES : XXXX XXXX XX/XX/23, XXXX XXXX XXXX XX/XX/23, XXXX XXXX XX/XX/23, I have attached my FTC report and police report case number. I also attached a copy of my drivers license, social security card, and my credit card statement to verify my identity. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX, Fortiva misreported my account to credit bureaus! To this day, XX/XX/XXXX, Fortiva has not reported my correct card number to both XXXX and XXXX! I have contacted Fortiva a myriad of times and their response has always been please wait XXXX to XXXX days for an updated report! However, this has been going on for XXXX months!! During the last contact, I spoke to a supervisor and requested that I speak to the department that does the reporting! She told me that they could not be contacted by phone ( nonsense ) but she would send them a note! This was a couple of weeks ago! 

Please help me with this as it has an impact on my credit score! I had trouble with Fortiva years ago when they would not repay me for fraudulent charges! You helped to resolve that issue and I need your help again!
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collecting company, AFNI, placed a collection report on my credit report before they even sent me a notice of collection. The account is FALSE and they never gave me the chance to dispute it before placing it on my credit report. They placed the collection account on my credit report on XX/XX/2019, but the date of their first and only letter to me is XX/XX/2019, a full TWO MONTHS EARLIER! 

The account is not only DISPUTED, it is FALSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a Tennessee XXXX XXXX XXXX debit card which is received once someone applied for unemployment benefits. On XX/XX/2022, I received a letter from XXXX XXXX stating that they could not open a checking account because they could not verify my identity. On XX/XX/2022, I received a notification from XXXX XXXX that I had hard inquiries on my account. On XX/XX/2022, my credit was pulled from both OneMain Financial and XXXX. On XX/XX/2022, my credit was pulled again by XXXX XXXX XXXX. None of the incidents above did I initiate.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : XXXX XXXX Equifax for Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint against Equifax regarding inaccurate information on my credit report related to late payments reported for my XXXX account ( Account Number : XXXX ). Despite submitting XXXX formal disputes on XX/XX/2024 and XX/XX/2024, no corrections have been made. This negligence violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Violations Identified : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputes and ensure the accuracy of the information they report. The persistence of inaccuracies in my report indicates a failure to comply with this requirement.

Truth in Lending Act ( TILA ) : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccuracies in late payment reporting suggest a violation of this provision.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made.

If this issue is not resolved promptly, I will escalate my complaint to other relevant agencies and consider taking legal action to address the harm caused by these inaccuracies. 
Thank you for your attention to this matter. Please contact me if further information is required. 
Sincerely, XXXX XXXX XXXX XXXX