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

Experian, XXXX, and XXXX continue to record XXXX XXXX on my credit report even after a letter I sent to XXXX opting out on XX/XX/2023. My option to opt-out follows 12 CFR 1016.7 Form of opt-out notice to consumers ; opt-out methods.

( a ) ( 1 ) Form of opt-out notice. If you are required to provide an opt-out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt-out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602a " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear XXXX XXXXXXXX, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. This is effective immediately and indefinitely. 
Thank you, With my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

For the past two days I have gotten a call from XXXX from a woman who claims to be named XXXX XXXX who says she is calling from the litigation department XXXX ( maybe Weiss ) Law Offices who says I am under investigation for finances and that they intend to prosecute me in court for damages and compensation. They said they have already filed a citation in court, but that if I call, we can resolve this matter without going any further to avoid any criminal charges. They identify me by name and the county I live in but offer no other information about me nor any information about what this matter is about. I have received this call twice in the past two days, XXXX via voice mail. I have no idea who this is nor can I get any information on the phone number or am I sure this is a real law firm.
Product: Money transfer, virtual currency, or money service

ERROR on Robinhood : Your account is restricted from withdrawing crypto at this time. Eventhough I still have {$5000.00} limit every XXXX hours. I tried XXXX times today at XX/XX/year> and all failed. I was able to withdraw yesterday and the other day at a same time but different day because of XXXX hours limit. But after third day Robinhoob won't let me withdraw and put restrictions on my account. My account is verified and approved for withdraw crypto currency. Please help!!
Product: Credit reporting or other personal consumer reports

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections/Chargeoffs Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX Account # : XXXX. Account # : XXXX Balance : XXXX Balance : XXXX XXXX XXXX Account # : XXXX Account # : XXXX Balance : XXXX Balance : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Balance : XXXX Account # : XXXXXXXX XXXX. Balance : XXXX Account # : XXXX. XXXX XXXX XXXX Balance : XXXX Account # : XXXX Balance : XXXXXXXX XXXX  Account # : XXXX Balance : XXXXXXXX XXXX Account # : XXXX XXXX : XXXXXXXX XXXX Account # : XXXX Balance : XXXX XXXX  Account # : XXXX Balance : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Mortgage

On XX/XX/XXXX my previous complaint was closed. However, Amerihome has NOT resolved my problem. Amerihome is responible for transferring mortgage payments, that they received back in XXXX, to my new mortgagor XXXX XXXX  and they have NOT transferred the payment to date. 

On XX/XX/XXXX, my loan was transferred to XXXX XXXX. The following payments were sent to Amerihome and have not been accounted for : Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Diligently, these payments should have been transferred to XXXX XXXX  and applied accordingly. However, there is no trace of the payment being forwarded to XXXX XXXX. I have made numerous phone calls to the Resolutions Dept and have been unsuccessful in finding any resolve. This issue has been ongoing since XX/XX/2022. 

Amerihome replied to my previous complaint on XX/XX/XXXX stating they were " in the process '' of wiring those payments to Regions. TO DATE THOSE PAYMENTS HAVE NOT YET BEEN RECEIVED! PLEASE RESOLVE MY PROBLEM BEFORE YOU CLOSE MY COMPLAINT. 

This is unacceptable and Amerihome needs to be held accountable for mishandling my payments. 

I insist that someone from your Corporate Office contacts me regarding this serious matter.
Product: Credit reporting or other personal consumer reports

Equifax is posting an account named XXXX XXXX XXXX XXXX union. This account is part of an XXXX XXXX XXXX report filed and MUST legally be removed from my profile immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Removal of Inaccurate Late Payment/Charge Offs on my Credit Report To Whom It May Concern, Upon reviewing my credit report with [ XXXX, Equifax, or XXXX ], I identified multiple inaccurately reported late payments/charge offs for the following accounts : XXXX XXXX XXXX XXXX  XXXX Your actions are in direct violation of 15 USC 1681b and 15 USC 1681, which explicitly dictate that consumer information can only be furnished with direct consumer consent and that certain transaction information should not be included in consumer reports. Specifically : Transaction data solely between myself and your reporting agency should be excluded unless specifically authorized. 
Approval or denials related to credit extensions, and certain third-party communications, are also not permissible for consumer reports. 
Additionally, when a debt is charged off, it is considered canceled debt, allowing the creditor to write it off as a loss for tax purposes. You should provide me with a Form 1099-C reporting the amount of this canceled debt, which I must include as income on my tax return. Also, income can not be reported as debt ; income refers to money earned, while debt represents money owed. However, canceled debt can result in taxable income, which I must report when filing my taxes.

Furthermore, under 15 USC 1681i, consumers have the right to dispute inaccurate information on their credit report, requiring credit reporting agencies to conduct a reasonable investigation. I have not received any 1099-C from either company, but you are reporting a charge-off on my report for multiple months which is also inaccurate information, and the role of the reporting agency is accuracy. 
This report violates the permissible purpose requirement under FCRA. I expect these erroneous late payments/charge offs to be removed immediately to prevent further legal escalation. Failure to comply will result in additional action based on 15 USC 1681n pertaining to the civil liability of credit reporting agencies and users of consumer reports for noncompliance with the Fair Credit Reporting Act ( FCRA ) Thank you for your prompt attention to this matter. I expect written confirmation of these removals within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a dissappointment seeing my Credit File still indicated the disputed accounts reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information. I have also submitted CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, the Credit Bureaus have also been ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items corrected and fixed from my Credit File : DEPTEDXXXX XXXX Balance Owed : {$1400.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4200.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$88.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX XXXX Balance Owed : {$1300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX  XXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus are not able to find me any documents to support their claims that the disputed accounts have been verified, I would greatly appreciate it you correcting the disputed accounts as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for {$2200.00}. 
I correctly filled out my deposit slip. I have a copy of that slip. The money was supposed to be deposited into my personal account The bank teller at Bank of America XXXX. at XXXX XXXX XXXX, mistakenly deposited that check into a dormant joint account that I still have open with an ex-girlfriend. 

I did not notice the teller 's mistake until two weeks later and immediately went into the same branch to find out where my deposit went. 

BOA let me know they the {$2200.00} went into the other account. We pulled the deposit slip and they admitted fault. 

On XX/XX/23 a CREDIT ADJUSTMENT REQUEST was HONORED for the {$2200.00}. 
I thought that the situation was resolved. 

On XX/XX/23 thos same funds were deducted. 

After communication with the Branch manager at others at BOA, they have informed me that there is nothing that they can do.
Product: Vehicle loan or lease

In XXXX we bought a XXXX  Toyota XXXX, for which they recommended that we buy insurance for tires, paint and glass. which we tried two years after using said insurance and they told us that it was not possible, they transferred us from department to department every time we called to have our insurance canceled and they never did anything. 
Windshield protection {$770.00} Theft proteccin {$590.00} to which they have charged more than that agreed amount and for 7 years we have paid the insurance, which we have not been able to use.
Product: Credit card or prepaid card

My wallet along with my way2go child support card were stolen on XX/XX/23. I filed a police report that same day and promptly cancelled all of my credit cards/debit cards. I received my new way2go card on XX/XX/23 but I am unable to activate it. I visited the website to activate it but my credentials such as my California child support participant id, social security number, and the 16 digit card number of the new card, can not be verified. I have to depleted my savings and I am still waiting for the police department to follow up on my police report. Until then, I am relying on the funds inside of my way2go card to provide for my children. I have been calling the customer service number which is ( XXXX ) XXXX to get a hold of someone who can help me verify my credentials but I am unable to speak with an agent nor is there an option to. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it. 

Received four written letters in return from each credit bureau after each investigation stating that the account was verified. 

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXXXXXX XXXX XXXX # XXXX Amount : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

one main  said they updated my address but XXXX still havnt updated it
Product: Money transfer, virtual currency, or money service

This is regarding my cashapp account. Back on XXXX of XXXX I opened my cash app account under my name with my address and my bank account information. Up until a few months ago everything was working just fine. XX/XX/XXXX, I reported suspicious activity on my card to cashapp. I requested and received a new card. When I received my card, the wrong name was printed on it. I immediately contacted cash app customer service, they told me that no name change can happen except by the legal owner of the account. My name was on my first card. The name printed on my new debit is my mother 's name. ( My mother passed away in XXXX. ) Cashapp customer service suggested I order yet another card. I did, it also has my mother 's name on it. My mother NEVER had a cashapp acct. She was bed ridden beginning XX/XX/XXXX until her passing. Today, XX/XX/XXXX I called cashapp, to verify my identity they ask for my name, phone, and zip code. I provided the information. They disconnected my call stating I provided the wrong information. I provided The zip code they mailed my new cards to. I Provided the name on the account, and the phone number associated with the account. I called back. They disconnected the call AGAIN! The information listed on my cashapp account is my name, Has always been my name, It has not changed. I went thru my account statements back to XXXX, my name is listed on every statement. Furthermore, cashapp provides small cash advances. I have used this service several times. Yesterday, I requested a small advance. 
Pmnt pending to confirm ID verification. They have never asked this in the past. I provided my Texas DL and my photo. My ID also has the same address as my account. No one at cashapp will help me!!
Product: Debt collection

For approximately the past two months I have been harassed by First National Bank. They leave messages for a person other than me to contact them. I am not that person, and I have had this phone number for the past 15 years at least so most likely that person never had my number. I answered the harassing call once and advised the person on the other end of the above but the harassing phone calls have continued. Most days they call twice per day, sometimes 3 times per day.
Product: Vehicle loan or lease

I co sign for my grandma over 5-7 years ago and its still showing up on my credit report as being updated in XXXX  the car was sold and etc
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I am a longtime member of Paypal with a Paypal Credit line of credit, linked to one and only one Paypal account, which is in good standing.

I decided to simply CHANGE THE PAYPAL CREDIT ACCOUNT NUMBER ; at the advice of
various Paypal employees over the months. I have had issues with various forms of document, physical theft as well as account breaches across nearly all accounts of mine regardless of security measures and antivirus scans. 
I was told by the Paypal employee that NOTHING other than the Paypal account number would be changed and that the available credit would be available to be used immediately. It is now Saturday, XX/XX/year> and I am not seeing my Paypal Credit account on my Paypal account and do not have access to it. Only my account number was used to prevent fraud that I myself requested to change at the suggestion of various employees at Paypal Credit. I was never given the new account number and now do not have access to it, leaving me open to possible fraud at the hands of Paypal Credit 's incompetence. 
My account is in very good standing with various promotional as well as regular purchases along with paperless statements and account alerts that I still have access to so this is very concerning.
Product: Credit card

I have a BestBuy card which is managed by Citi. BestBuy routinely promotes that you consumers receive certain months without interest but that all interest is cumulative and payable if all amounts are n't paid before the expiration of the promotion. Citi/BestBuy, however, limits the number of payments that can be made on the card, which I believe is to trip people into failing to make payments on time and then being able to charge all backdated interest.
Product: Credit reporting or other personal consumer reports

In early XXXX  several Dept of EdXXXX student loans began appearing on my credit report. I do not have, never have had, and have never applied for any student loans through any lender. I disputed the improper accounts with the XXXX credit bureau on XX/XX/2024 and in early XXXX the credit bureau ruled in my favor and removed the fraudulent accounts from my credit report. In XX/XX/2024, the fraudulent accounts reappeared on my credit report.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX from XXXX XXXX in XXXX XXXX South Carolina on XX/XX/2019 with an extended warranty. Two days after purchasing the car an electrical error caused my E-brake to malfunction and destroy my rear brake assembly. XXXX XXXX was kind enough to repair it for me but left me with no car for over a week. The day I got it back I noticed a horrible noise coming from the front end turns out the axel and tie rods were broken. When I reached out to XXXX XXXX they told me they knew but it is not there problem and now ups have to wait 30 days for my warranty to be active to fix this ( which was a lie ). Turns out this was a problem the car had before it was even sold to me. I found this information out when I brought it into XXXX on XXXX highway and they told me they already had records of this issue from the previous owner. Well after having this repaired a week later I hear more noise coming from the front finally get it into XXXX to find out another unknown error caused my front end braking assembly to get destroyed due to the brakes seizing up. my warranty which was Supposed to cover all things that make the car move forward doesnt cover this so no I have to spend an additional XXXX dollars again. When I asked to cancel the warranty as they wont cover these issues I am told it is not under my name but my co-signers name and I have no say.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the continuous presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These fraudulent entries are causing severe harm to my financial well-being, and I am urgently requesting your immediate assistance in resolving this matter. 


I initially discovered these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus, outlining the fraudulent items in question and providing substantial evidence to support my claim. I included copies of police reports, identity theft affidavits, and any other pertinent documentation to substantiate my claim. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the removal of the fraudulent items. During this conversation, I was informed that an investigation was underway. 

As the fraudulent items persisted on my credit report, I sent a second dispute letter reiterating my concerns and emphasizing the urgency of resolving this matter promptly. 
The continued presence of these fraudulent items is causing significant harm to my credit score and is impeding my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough and diligent investigation into this matter and promptly removes all fraudulent entries from my credit report.

Enclosed with this letter, please find copies of all relevant documents, including : Police reports and identity theft affidavits Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the fraudulent nature of these items, please ensure their immediate removal from my credit report. Please help me remove tha following fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/year> and XXXX 2022 to XXXX, Transunion, and XXXX despite violating the aforementioned statutes.