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

I acknowledge receipt of the documents your company provided regarding the alleged debt. However, the information in these documents does not align with the records from the original creditor, raising serious concerns about the accuracy of the balance being reported.

Additionally, your company has a known history of adding unauthorized fees, as evidenced in cases such as Johnson v. Columbia Debt Recovery, where the court found your organization liable for emotional distress and statutory damages due to improper collection practices. The precedent established by this case demonstrates your companys tendency to misrepresent debt amounts and continue adverse reporting even after being made aware of errors.

Furthermore, the " date last active '' on this account is inconsistent across credit bureaus, suggesting that the account may have been re-aged to your advantage. This practice violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete.

I am formally requesting that you remove the inaccurate information on my credit report to comply with FCRA standards. If these issues are not resolved within 30 days, I will pursue all available remedies, including seeking legal action for emotional distress and statutory damages under the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed a Discover account opened in XX/XX/year> with a balance of {$5600.00} that does not belong to me and may have been opened by a previous member of my household. I am a victim of Identity Theft. Any communication or payments made to Discover was not made on my behalf.
Product: Credit card or prepaid card

Barclays bank acquired XXXX  rewards credit card from XXXX XXXX. XXXX XXXX  directed customers to make payment by XX/XX/XXXX as transfer would occur on XX/XX/XXXX. I paid my entire balance ( as I always do ) with XXXX  on XX/XX/XXXX. When account was transferred to Barclay 's they transferred from XX/XX/XXXX so charges that were already paid from XXXX are now showing on Barclays statement XXXX 

I called over 2 weeks ago, got the run around and then after getting angry and asking for a supervisor was told this was a " known issue '' and they were " working on it '' I have payment due in 2 days ( which I will pay ) but I am NOT paying interest on their mistake ( because it's going to appear that I am not paying my whole statement balance ) I also should not have to be keeping track of what I truly owe, when their website is showing completely different numbers. This is a multi billion dollar bank. I keep getting customer service agents in the XXXX who tell me " their back office is working on the issue '' I am concerned for the people who may not have caught this error as I did, and will pay the balance their statement says is due, when that is not correct. I feel like this is fraud.
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 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Money transfer, virtual currency, or money service

I deposited my check through cash app on XX/XX/year> I then called their customer service on XX/XX/year> to ask about one of my check be deposited since on the app it said that my check was accepted and what was I waiting so long for it they stated that the money will be available on XX/XX/XXXX it's only XXXX at XXXXXXXX XXXX when it got to XXXXXXXX XXXX on XX/XX/year> i then called again and that's when they told me it would be available at XXXXXXXX XXXX on XX/XX/year> and they make it so hard for someone to get information I just want them to be accountable for their commitment for the information that they provide and not change it at the last second
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX/COMENITY/ULTA with Account number XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX XXXXXXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The Account number is XXXX with a balance of {$81.00}. 

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Debt collection

Please provide the assignment of debt. The date of assignment, when did you send 5 day notice? Provide the certified mail, 5 day notice. You never gave me the opportunity to address it or dispute this. You just put it on my consumer report without notice. If you believe you gave me proper notification, then send the receipt with my name and signature. 

I was unaware of this debt. I never received notice, it just appeared on my consumer report without notice. If you cant provide proof, remove it, immediately!! Please provide proof that you gave me notice. Again, prove you gave proper notification by providing the receipt of certified mail with my signature, certified number, date mailed and address.
Product: Credit card

I AM A VICTIM OF IDENTITY THEFT, SOMEONE ELSE IS USING MY INFORMATION TO OPEN THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did n't protect my private data enough to prevent hackers from stealing my personal info.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Incorrect Bankruptcy Reporting Public Record Not Validated To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report. After conducting my own investigation, I contacted the Clerk of the Court regarding the bankruptcy record that you have listed under my name. According to the Clerk of the Court, they did not validate or provide any information regarding this bankruptcy to you or any credit reporting agency. 
This leads me to believe that either the information was fabricated, or a serious error was made in your reporting process. In either case, this bankruptcy is incorrectly listed and must be removed from my credit report immediately. Reporting false public records is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Details of the Disputed Bankruptcy : Filing Court : Bankruptcy : Dismissed XXXX Case Number : XXXX Date Filed :XX/XX/XXXX Under the FCRA, you are legally required to ensure that all information reported is accurate and verifiable. Since the Clerk of the Court has confirmed that they did not validate or supply the information regarding this bankruptcy, it is clear that this public record is false and must be removed without delay. 
I am requesting that you : 1. Immediately conduct a reinvestigation into this matter. 
2. Delete the bankruptcy record from my credit report as it has not been properly validated. 
3. Provide written confirmation that this inaccurate information has been permanently removed. 

If this matter is not resolved promptly within the required 30-day timeframe, I am fully prepared to pursue legal action against your company. Under the FCRA ( 15 U.S.C 1681 ), I will seek statutory damages, punitive damages, and reasonable attorneys fees for willful non-compliance and the ongoing harm caused by your reporting of false information. I will also file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your immediate attention to this matter. I expect swift action and look forward to your prompt written confirmation that this inaccurate public record has been removed from my credit file. 

Sincerely, XXXX XXXX
Product: Debt collection

Sent letters to credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX and collection company on XX/XX/XXXX. No satisfactory response actually validating the accounts. Only received statements from Credit Bureaus saying account was verified by collection company. As of today no response from the collection company.
Product: Checking or savings account

On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX through two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over two days and I still do not have access to my money. If you've followed along, you will have realized they had over a week to verify the account and only did so after they received my money. Denying me access to my $ XXXX. MY MONEY! They refused to accept the information on my account and they requested more information that was very personal I told them to close the account $ XXXX.All they have to do is put the money back in the account where it came from they will not unfreeze my account or give me access to my money. " I tried calling them and they disconnect immediately and wont respond and they are holding my money, and refuse to give me my money back or close my account. I tried to contact to them via email and they wont respond or give me my money back. They owe me {$4000.00} dollars and will not contact me or take my calls. I want the {$5.00} back for the checks I am never going to use. ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Payday loan, title loan, or personal loan

The company constantly calls me even after payment is made. I have advised that I have made payment with my debit card and they dont stop calling even after XXXX. They call and ask for my social and date of birth when I dont have to release that information. Ive asked for copies of my agreement requested autopay which they say will start in XX/XX/2022 but never did. I make payments on their portal or with a rep. The agent advised me tonight that theyre going to keep calling and it doesnt matter if they got my payment or not. Im being harrassed by merchants acceptance.
Product: Checking or savings account

Huntington bank froze my account. Their rep told me it was due to too many electronic transactions and would not tell me who to contact to clear it up, if I was not allowed to use XXXX or XXXX, or what the problem was. I just paid my rent which was 3 weeks late, and Huntington was happy to confirm they received my {$750.00} direct deposit from my job with the XXXX XXXX XXXX, but that they didnt know is the check I wrote for rent yesterday would clear. My problem apparently. They gave me zero information how to fix this and said I had to wait for a letter. 

Every transaction in my account is legitimate, I am a sole proprietor business person with a TIN, vendors license, sales tax exemption forms and I file monthly sales tax reports, etc. 

The electronic transactions : The XXXX was me PAYING for goods. Im not charging that back. Theres no problems with those transactions! They are payment to a vendor I have been using for over a year. 

The XXXX transactions was ME sending ME money that I withdrew from my IRA to my other account to help deal with the pandemic and unexpected costs. Im not complaining that I sent myself money. No problem with those transactions. 

Huntington needs to fix my account, debit card and online access immediately. I was supposed to pick up groceries at XXXX today which is by appointment only which I had to cancel due to this! So now were going to starve. 

These people are causing me permanent financial harm in the middle of a National emergency over NOTHING. 


XXXX XXXX XXXX Registered with XXXX  XXXX XXXX and vendors license. 

Vendors license : XXXX, last sales reporting period sales and use tax confirmation XXXX TIN XXXX Not required to have a business checking account or a DBA due to the name of the business including XXXX. 

Also a XXXX with State of Ohio, an agency named XXXX XXXX XXXX XXXX  XXXX. 

Spouse is litigious ( see XXXX v XXXX Georgia XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

New York Community Bank started to escrow my mortgage payment after almost 20 years of service and not ever  one  late payment because they claim my property taxes were not being paid. I am disputing their claim because my property tax balance was paid twice. The township had to send  NYCB  their check back to them as an over payment check because they already received a check from me. Since then I have been trying to correct their mistake because they are charging me late fees, doubling my payments, and I am receiving harassing and demeaning phone calls also all of the   XXXX   they have caused in my life because I have   XXXX   XXXX   XXXX   I spoke to several agents a t NYCB  since  XXXX   XXXX ,    2017 and I  was lied to several times that I have to send in a payments because my payment of  XXXX  was n't enough to cover the new mortgage payment and late fees of now  XXXX  that was increased  XXXX   XXXX  , 2017 a nd  XXXX  late fee applied. I received a letter from NYCB   XX/XX/XXXX  telli ng me they never received my mortgage payment. I have record they received on  XXXX   XXXX    XXXX  . I received a   XX/XX/XXXX   statement reporting I owe  XXXX , past due amount  XXXX  for a total of  XXXX  and a late fee of  XXXX . I had every agent a t NYCB te ll if I were to send the amount of the escrow to them they would stop the escrow. At the same time I was sending the township tax payment of  XXXX  because the next quarter was due. I was sure this was a scam because I know I was making my payments and they changed the rules of the contract to be able to charge more and make more. I believe they want the house to go into foreclosure because I only ow e 4 mor e years on the mortgage and there is alot of equity they can take. If someone was experiencing even the slightest of financial difficulty they double your payment and add fees. I believe my privacy was breached from this bank and I believe they have broken they debt collection law. They never gave me notification, itemized stamp escrow and Contract of duty. I believe the cause unneeded   XXXX  and  XXXX   in my life. I cant   XXXX   anymore. I am pursuing legal actions for them being responsible for trying to ruin my credit my life and my .character. The tax collectors office told me that this ban k NYCB h as harassed several residents in my township for exact same issues They The over payment check that the township sent back to  NYCB t he second time was over  two thousand  dollars and the first check  NYCB  sent  XXXX   XXXX  was for over  5000.00.  There is proof here that big banks are taking down private residents and taking their homes. It was n't till my conversatio n  XX/XX/XXXX  that any  of the dozen agents from  NYCB as k if my financial situation changed and asked If I need help programs. Please send me all the money they have took from me with the understanding it would stop the escrow.
Product: Debt collection

In XXXX / XXXX of XXXX, my identity was stolen and a bunch of credit cards were issued in my name by various lenders. I was out of the country when this probably happened and saw mails coming in from these lenders to pay the bills that weren't mine in XXXX. I reached out to the creditors, reported what had happened and asked them to close all accounts. 
Some of them were helpful enough to do that and informed me about the other steps I should take as a victim of identity fraud including XXXX XXXX, XXXX XXXX. 
XXXX XXXX however, refused to close my account when I informed them about what had happened, and asked me to go to a branch and talk to someone without giving me any details around what department to go to, or providing someone specific that might be able to help me. I did not feel comfortable going into a branch in the middle of the pandemic and kept asking for help through their customer care services. My credit score kept plummeting and the credit line on the cards I owned decreased because of that. I was in a bad mental space and did not pursue legal action. I reached out to someone in XXXX and explained them my plight. They asked me to get in writing from XXXX XXXX that my account was created without my permission and only acknowledge the fraudulent activity for my credit score to be fixed. I reached out to them and again, without any support I was shunned down and told there was nothing they could do. 
Months later, in XXXX of XXXX - I received a letter from Radius Global Solutions LLC informing me that XXXX XXXX has placed my account with them for debt collection, and offered me to settle for almost half the amount that was originally owed ( {$200.00} for {$460.00} ). 
I am amazed at the insensitivity of XXXX XXXX as one of the biggest banks and also surprised at the callousness with which they handle severe crimes like Identity Theft and the lack of support provided to such victims. My credit score was in the mid 700s and since then, it has plummeted to early 600s and is causing me all sorts of problems. Please help me get my credit score where it was before this catastrophe started.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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: Credit reporting, credit repair services, or other personal consumer reports

We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking XXXX XXXX This is against the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign up for an account with XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested Equifax and XXXX to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCT # XXXX BALANCE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEP ED XXXX {$2300.00} XXXX XXXX {$460.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} US DEPT ED XXXX {$3200.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$890.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}