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

last year XX/XX/XXXX XX/XX/XXXX, i applied for forbearance knowing that I will not be reported to credit bureaus. I paid early before the said agreement via a lump-sum amount. right after the payment my mortgage company reported me to credit bureaus that i did not pay for the forbearance months. and I was affected by a natural disaster. did not report that i am current after the lump sum amount was paid. I filed a dispute to transunion and clicked the box that says incorrect payment history. on XX/XX/XXXX I got an email that says dispute solved ... I checked on the dispute and still reflects that on XX/XX/XXXX to XX/XX/XXXX that they haven't received reports from the mortgage company and the remark that says I am affected by covid was still there. I called transunion everyweek since the dispute was filed. and their answer on friday ... its because you filed a wrong dispute! I should have said that I want to remove the remark and wants me to file a dispute again and wait for 30 days. Today I did what I was told. but before that, my mortgage company is asking for credit report from transunion since they want to check what was the remark. I can not pull my credit report from transunion since I am on dispute.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Checking or savings account

I deposited {$5100.00} on XX/XX/XXXX. There was a promotion that promised a {$300.00} bonus in 60 days for doing so. The terms are attached. They say : " You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct Branch, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$5000.00} through 60 days after account opening. '' The language that " I must make new deposit '' ( which I did ) " of at least {$5000.00} '' ( which I did ) " in new money deposits ( ... ACH... ) ( which I did ). My deposits were an ACH, which is specified in the terms. There were two initial deposits of {$200.00} and {$4800.00}. I also received a payment of {$120.00} on XX/XX/XXXX, and a {$250.00} payment on XX/XX/XXXX. I have completed the offered terms and have not received the bonus. I called US Bank to inquire. The agent XXXX said my deposit did not count because it was an " external transfer. '' Nothing in the terms excludes ACH 's which are " external transfers. '' I asked the agent where in the terms does it say " external transfers '' are excluded. She said it wasn't in the terms. 

Additionally U.S. Bank sent me a letter stating my {$200.00} deposit ( which was made through credit card ) did not count, which doesn't make sense. It was a " new money deposit '' as stated in the terms. They stated they were not giving me my promised bonus because the {$200.00} didn't meet their terms. Even if this deposit wasn't counted, I still made {$4900.00} in deposits they appear to consider acceptable. I acted in good faith and made {$5100.00} in deposits, over their threshold. They seem to be inequitably denying me the stated promotion because they have chosen to not count a small {$200.00} deposit, putting me {$25.00} under the {$5000.00} threshold. Additionally, a {$250.00} payment was received on XX/XX/XXXX, putting me further over the threshold. 

U.S. Bank is acting in bad faith, and arbitrarily and capriciously denying me my promised bonus.
Product: Money transfer, virtual currency, or money service

I received a payment to my PayPal account and when I tried to withdraw my money they blocked the transaction. They told me wait 24-72hrs so I did, after waiting I tried again which led to the same outcome. I called and was told again I had to wait 24-72hrs. I just want my money out of PayPal thats rightfully mine.
Product: Credit reporting or other personal consumer reports

To whom it may concern I sent a dispute letter to XXXX on XX/XX/XXXX via certified mail with a return receipt. Informing them about a XXXX XXXX account reporting inaccurate information on my credit report. XXXX XXXX was reporting a / XXXX account on my credit report that they sold to portfolio recovery associates LLC back on XX/XX/XXXX. Today XX/XX/XXXX I received a letter from portfolio recovery associates LLC stating that this account should have been deleted. XXXX refused to delete this account and constantly violated my consumer rights and just sending me generated responses letter. I need this matter resolved immediately because their the only credit agency that wont remove this & its causing me damage to my consumer report. I never gave XXXX written consent or permissible purposes to report any account on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that XXXX XXXX XXXX absolves me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Summary of Accounts being challenged in list form Summary of Accounts being challenged in list form XXXX  XXXX - Account Number:XXXX Please remove from my public record XXXXXXXX XXXXXXXX XXXX - Account NumberXXXX Please Update all payment, all pay was made on time. 

XXXX XXXX - Account Number:XXXX INACCURATE PAYMENT HISTORY AGAIN! DELETE ASAP. 

XXXX XXXX - Account NumberXXXXhave not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 I my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Mortgage

I called on XX/XX/XXXX to confirm statement due date. Payment statement said due date of XX/XX/XXXX. Representative advised payment is not due until XX/XX/XXXX. I did not make a payment. 
I called in XX/XX/XXXX regarding due date on XX/XX/XXXX. XXXX had due date of XX/XX/XXXX. 
Received a statement for the month of XX/XX/XXXX and it has amount due of {$240.00}. 
I called today, XX/XX/XXXX to confirm amount due. Spoke with XXXX customer rep. It did not make send what he said. I told him I do not have an issue making payment but why does statement say {$240.00}? He said it was a printing error. What!? 
I called again after I hung up with him. I asked the representative the same question. Why does statement say I owe {$240.00}? What is the correct amount I owe. It does not make sense to me. He was not able to explained and transferred me to XXXX at bankruptcy. This representative explained that I am behind XXXX payments and that they have requested The chapter XXXX Trustee to remove me from the chapter XXXX because they would like to send me to foreclosure. What?! I explained to XXXX how can this be if the other XXXX representatives told me otherwise. I am upset because of the whole situation. now I am due around {$3500.00} because the representatives I spoke to did not give correct information. Now I am stressed out of how I am go to pay {$3500.00}. This is not fair to me for erroneous information from supposedly trained representatives. SPS should double train their representatives before giving out information to effect borrowers. Because of this incorrect information, I am stressed and can not sleep to come up with the money owed. The representatives at SPS like nothing. Just a regular day at work with wrong information. Without realizing they have given incorrect information to a borrower that would cause stress and possible foreclosure. Very sad and upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank ( XXXX Loan Acct # XXXX ) in the amount of {$3100.00} Citibank ( XXXX Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XX/XX/XXXX-XX/XX/XXXX. A detailed debt validation letter was sent on XX/XX/XXXX ( USPS Certified Mail, reference # XXXX ). As of today, more than 30 days have passed without a reply from Citibank.

Please investigate this matter as I believe Citibank is in violation ( again ) in accordance to the Fair Debt Collection Practices Act.
Product: Debt collection

I was contacted by someone posing as XXXX XXXX, the country music singer, on XXXX. This person ( s ) somehow had my contact info and told me I had to comply with his requests or he would turn me over to the law for falsifying a credit application to Capital one in which my income was inflated. I receive XXXX and make little money. I was afraid to tell anyone about this so I complied with his requests for several months. I finally told me mother, and that is when she called the sheriff 's department, we filed a police report, called Capital One, reported the fraud, and have now hired an attorney because Capital One is suing me for around {$3500.00}. My mother is acting as my " next friend '' as per our attorney. I want this person ( s ) prosecuted and punished so this never happens to anyone else again. It is frustrating that others take advantage of people, and I hope this issue is resolved.
Product: Debt collection

XXXX XXXX purchased an auto insurance policy with XXXX auto insurance provider with an effective date of XX/XX/XXXX and was provided a policy number for the two car auto insurance policy of, XXXX. The policy was generated to insure two of XXXX cars, a XXXX XXXX XXXX and a XXXX XXXX XXXX, XXXX and XXXX, respectively. The VINs associated with the two car auto policy are XXXX, which coincides with a XXXX XXXX XXXX XXXX owned personally by XXXX and a VIN, XXXX, also owned personally by XXXX. The policy cancelled allegedly with XXXX, where it was asserted by their collection agents to be this case on XX/XX/XXXX. They are now filing collection attempts and remarks on XXXX credit bureau in error and asserting inacurrate information. On or about XX/XX/XXXX XXXX contacted the collection agency referred to as CREDIT COLL on his credit report via a number listed consistent with the information being provided and asserted on his three various credit profiles with XXXX, XXXX and XXXX at XXXX to discuss this account with them. They were eager to receive money, and offered a settlement amount. XXXX informed them that they are asserting an indefinite dollar amount against his name through the various credit bureaus and notified them that all reporting must stop immediately, as it is a violation of his consumer rights and a misrepresentation of his financial debts owed consistent with the policy instrument being used to derive the dollar amount. They stated that they would remove the information and work on the matter with XXXX directly, however the information is still being reported to the three major credit bureaus and XXXX request for documentation explaining the true derivatives for the debt being asserted have not been supplied per his request via the phone number provided on his credit reports with the three major credit bureaus. This is a fraudulent abuse of authority and a misrepresentation, where XXXX notified the creditor that the amount is in question, requested that they prove up the source for the value of the assertion against his credit reports and there has been blatant disregard and omission of his rights and liberties afforded through consumer rights laws available to individuals. The remarks on XXXX credit report are under dispute with the three major credit bureaus and this complaint will serve as support for his request it be removed and discussed prior to ongoing collection efforts consistent with reports made against his credit profile with the three major credit bureaus. XXXX has also employed attorney XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX to assist with all efforts in removing this and other negative information being asserted against his credit profiles with the three major credit bureaus. He is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, and can be reached via phone at XXXX or email at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent a letter to the creditors asking to remove these Late Payments they have not abiaded by what i have requested they also Violated my Consumer Law they didnt give me the option to Opt-Out according to this information reporting to a Third party. 

So the Following Accounts Have Violated my rights Law states that its Ilegal to Report Late Payments on a Consumer XXXX Report. These are the Following Accounts : Credtiors Name : Acct Number : Dates : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Dates Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 USC 1666b : Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Money transfer, virtual currency, or money service

Date : XX/XX/20 Amount : {$1300.00} On XX/XX/20, there was an unauthorized transaction made on my checking account ending ( XXXX ). On that date around XXXX, I received a call from this number, XXXX. It was an automated voice system from Bank of America saying : Your authorization code is. I did not remember nor paid attention to the code, because I did not request any authorization code from BOA. I was curious about the call and immediately checked my bank online account and was shocked with the amount of {$1300.00} being transferred to an unknown email. It was a XXXX transfer. At the same time, I called BOA at this number, XXXX, to report this suspicious activity that I did not authorize. I spoke with an agent and he was able to assist me to file a claim. I was told to wait 10 business days for the decision. I called again on XX/XX/20 to check my claim status. I was told the claim was denied because the authorization code is being used. I am certain that I did not give any code to anyone. I strongly believe that somehow my account has been hacked. Also, I was informed that if I would like BOA to reconsider the decision, I could contact my mobile service and get a report call log from them on XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items as soon as possible : 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 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

Paid off home loan to Wells Fargo- in full after 1 year. Trouble getting closing letter, finally received closing letter, checked ok by local attorney. Never contacted by Wells Fargo, sold our home on line after living there seven years! Sheriff came out of nowhere and served us a 48 hour notice! Wells Fargo ordered to pay restitution, wrote us bad checks. Went to a WF office and they were going to look into it, never responded! We call them every year, nothing. They say we dont exist. We have all documents including loan, closing letter, legal order for settlement and BAD CHECKS. Contacted state reps, attorney general, absolutely no help. We have been fighting this 7 years! 
By agreement they reinstated our credit but wiped any evidence of a loan with them from our credit!!
Product: Debt collection

Velocity Investments , LLC has engaged in deceptive and misleading collections practices by making false statements about me. Their law firm -- XXXX XXXX XXXX XXXX -- has engaged in the same by failing to renounce Velocity 's false statements. 

On XX/XX/XXXX, Velocity made the following statement about me : "... This account is being serviced by XXXX XXXX XXXX XXXX XXXX. An initial demand letter was sent [ to Consumer ] on XX/XX/XXXX, and suit was filed on XX/XX/XXXX. Consumer has actively been avoiding service of the summons and complaint.... Should the consumer continue to have further questions or concerns we invite them to contact XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. '' Velocity 's claim that I am actively avoiding service is false and utterly absurd, for two reasons : 1. I told their attorney in XXXX that I would happily come to XXXX 's office to accept service of the summons/complaint in person. However, this never came to pass because of # 2 below : 2. Since XX/XX/XXXX ( more than a month prior to the XX/XX/XXXX statement above ), XXXXVelocity have *completely suspended their litigation against me, including all service attempts*. As the attached email succinctly notes : " We are not taking any legal action against you at this time. '' ( The litigation has been suspended pending Velocity 's review of the evidence I provided to them that irrefutably proves the futility of their case. ) Accordingly, I was utterly astonished by the brazenness of Velocity 's false claims against me on XX/XX/XXXX. Making their claims all the more absurd is the fact that I have been desperately trying to move this matter forward with Velocity and XXXX for months now, while Velocity has sat on the matter and has refused to engage ( there are literally dozens of emails that can be provided if need be to prove this ) with me in any way whatsoever. 

In addition, I have been contacting XXXX XXXX XXXX since XX/XX/XXXX, urging them to get their client to renounce these false statements, or at the very least for XXXX to renounce the false statements ( after all, Velocity 's statement clearly indicates that the information Velocity relied upon in writing the statement came from XXXX, the account holder/litigator in the matter ). As of today, I have heard from XXXX twice since the XXXX ( acknowledging receipt of my messages ) but they have completely ignored my requests.