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

I submitted a dispute on XX/XX/XXXX. Child support enforcement accidentally reported that I was 60 days past due but my account was never past due. The child support enforcement immediately updated that I am current on my account but Experian is still reporting as previously 60 days - past due ( but current ). This information is inaccurate, as I have never been past due. I also submitted a letter from child support to Experian on XX/XX/XXXX showing that I was never past due. It has been a hassle reaching a live person to assist me in this matter, as Ive been denied for a car loan due to this matter. I also must share that after trying to get through to a live representative, XXXX at XXXX works the switch board, has yelled at me and disconnected the call on XX/XX/XXXX when I asked to be connected to the correct person. This is extremely unprofessional and I would like assistance as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against Bank of America ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning my Bank of America Travel Rewards account ending in XXXX. 
Statement of Violation : Bank of America, in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from Bank of America on XX/XX/2021, and an unequivocal email notification dated XX/XX/2021, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies.

Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling Bank of America to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of Bank of America 's actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
Sincerely, XXXX XXXX
Product: Debt collection

The company involved here is Ditech Financial LLC, previously known as Greentree Financial. 
On XXXX XXXX, 2015 I started receiving collection notices for a loan I did not take out. This occurred several years after I thought the issue was resolved. Therefore, I filed a complaint with the CFPB about this collection attempt. That case number was XXXX. After my last communication with the CFPB and the company stating what I expected to happen, I received no further collection action or communication from either. At that point I believed the problem was resolved. 
About a week ago. I received a XXXX from Ditech Financial LLC for {$1700.00} of debt discharged. When I called Ditech Financial LLC they told me the account was closed and that they would not change or recall the XXXX. Since I did not pay them any money, I do n't know how they discharged the loan but someone must have paid it off. As was covered by the previous case cited above, I did not owe this debt and had never done business with Greentree or now known as Ditech. 
This XXXX will adversely effect my taxes which will be the same thing as paying this debt I did not owe. Since I did not owe or pay the debt but someone else did, that someone should get this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened a Chase Ink account for my XXXX XXXX, XXXX XXXX. I wanted to compound the points we had earned on our Chase Sapphire card with the XXXX points I would earn after spending the required amount on the Ink card. 

We received the card. We spent the requisite amount. We received the XXXX points. We then stopped using the Ink card and resumed using the Sapphire card. 

In mid-XXXX XXXX, we logged in to Chase Ultimate Rewards and discovered that the Ink card was no longer on our account. The Sapphire card was there. The Chase Freedom card, which we also never use, was there. But the Ink card was gone, and with it, the XXXX points we had earned. 

In mid-XXXX  XXXX I called Chase Customer Service twice. They informed me that the account was closed in XX/XX/XXXX due to inactivity, and that in XXXX, we were sent a letter that the account was closed and that we had 30 days to use or lose our XXXX points. We did not receive that letter. After speaking to a supervisor, I requested that any correspondence documenting Chases intention to close our account be re-sent to our address. We still have not received anything. Chase certainly has our mailing address, as weve been receiving and paying our Chase bills for many years. 

On XX/XX/XXXX, on the advice of the Chase Customer Service representative I spoke to, I wrote to the Chase Executive Office to request that Chase return the XXXX points we earned to our Chase account. There was no reason to close the account ; we were not delinquent on any payments, and we did not even have the opportunity to pay the yearly fee. We still have never received any letter or other communication indicating that our accountand the points with itwas vulnerable to being closed. 

In that letter, we asked XXXX to respond within a week of receiving the letter or we would report this complaint to the CFPB, which we are now doing.
Product: Credit reporting or other personal consumer reports

RE : Creditor Name : XXXX XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the validity of the alleged debt referenced above, which you claim I owe. This letter serves as a notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I refuse to pay this debt. 

In addition, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you immediately : Cease all communication with me regarding this debt, except as allowed by law for purposes of validating the debt or providing legal notifications. 

Cease all efforts to report, or continue to report, this debt to any credit reporting agencies until the debt has been properly validated and substantiated according to federal law. 

Provide me with full documentation and validation of this debt, including any contracts or agreements I allegedly signed, which would indicate I am legally obligated to pay this debt. 

Under the FDCPA, you are prohibited from contacting me further except to provide the requested validation of the debt or to notify me of specific legal actions being taken. 

Any further attempts to collect the debt without proper validation will be considered a violation of federal law, and I will pursue all legal remedies available to me. 

Furthermore, should you fail to provide validation and continue to report this debt, I will consider this a violation of the FCRA, and I will not hesitate to file formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney Generals office. 

Please respond in writing within XXXX  days of receiving this letter with the appropriate documentation proving the validity of this debt. If no such validation is provided, I expect this matter to be closed, and no further actions will be taken by your office regarding this account. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX chime closed my account. I emailed them they told me to contact XXXX XXXX. So, i called them they send me back to chime. Chime said i validated one of there policy nad they closed my account and denied me my funds. I called the VA to get me a new check sent they said they can't. I have bills were due on the first of XXXX. Bills are truck payment, car insurance, cell phone bill, private student loan, internet bill. I can't order part for my truck i don't have money now.
Product: Credit reporting or other personal consumer reports

I seek your help in addressing this incorrect account listed on my credit report. This matter has tarnished my reputation, and I need your assistance. Your mishandling of my credit report has left me in a difficult position as the inaccurate reporting has affected my reputation. These mistakes need to be resolved so I can live peacefully with my family.
Product: Debt collection

I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened.
Product: Money transfer, virtual currency, or money service

I transferred money to cash out from my bank account I was going to try to figure out where I could directly deposit the money to pay my lease purchase on my house okay so I couldn't do it through cash app or the cash card or any kind of way because cash app when I allow it so why when you got another bank card loaded money on it I purchased it it's mine and I was going to set the account where I can use that juice for pain on my house and I transfer the funds to the card instant transfer the {$34.00} fee {$19000.00} to account number any 1090 which is the debit card ending in 1090 which was mine I purchased it belong to me saying it was a temporary prepaid debit card through XXXXXXXX XXXX XXXX  cash app like the suspicious and called the bank they closed the card but the transfer went through but not to that card so transfer went to a close account I finally found my money after 10 months of disputing with cash at filing complaints at the XXXXXXXX XXXX XXXX Court resolutions office on hold waiting for catch up to request a return because they were not refund it to me because cash app close my account due to the fact that they don't want to issue a professional credit this is not all circumstantial this is definitely what happened she can legal help over the return of my funds they close my account and I can't appeal it cuz I'm not able to they shouldn't close and definitely without a pill and I said we can you provide me and documentation for you the allegations you said the reason why they can't was closed we don't have any information for you at this time we have no more information for you to stop that's all they said I told them that I have screenshotted where it was and they were waiting to request to return that way to me cuz they can not refund the money me because the clothes cash up account those of another reply to the other bank which catch up it's the one who the suspicious of fraud or sufficient activity to the bank and begin with they close my account on the other end and it cost me even more money XXXX and something dollars like I said cash up said for me to reach out to the bank I did so I told them the reference number that the bank gave me and cash out said we are considering this matter of clothes if you have anything else we can help you with and I feel the decision on my account I said you're not able to appeal it and that's the whole reason why they won't refund his money cuz they close the account so XXXX + {$34.00} transaction fee instant transfer fee for 10 months I'm just lose money I had to pay that anyway again so XXXXXXXX XXXX XXXX cash it up I'm stuck in the middle Green Dot back on release my funds to me and cash it will not get it from XXXX XXXX XXXX once they transferred to a close account due to the fact that they did not want to temporary debit card attached to you they're one of their accounts
Product: Credit reporting or other personal consumer reports

I have tried to update my address, phone number and place of employment. The three credit bureaus have not updated current information. I also need to delete some past inaccuracies with the three credit bureaus.
Product: Debt collection

I was being entered into a XXXX XXXX XXXX  and had to be transported to the hospital on the date in question, couldn't provide health insurance information at the time, wallet was stolen. Health insurance coverage is under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please contact me when you're available and have updated information XXXX XXXX Thanks in advance.
Product: Debt collection

On friday XX/XX/XXXX I received by mail first notice for plaintiffs motion for writ of garnishment and wages, money and other property belonging to me have been garnished. I have no idea what this is about the paperwork came from XXXX XXXX and they say its a debt from XX/XX/XXXX in the amount of {$1300.00} I have no idea where this 13year old debt came from and the originator but I would like to stop this garnishment from my ssi this is awful for a company to go out trying to make money illegally from consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute directly to this company and asked for the 1099-c form due to this account being reported as charge off and according to the IRS a charge off account is ordinary income and income is not reported on my credit report. This violates 15 USC 1681c-2 and 15 USC 1681 section a I am requesting a copy of 1099-c to see the correct amount of balance after charge off. This account is reporting wrong balance which makes this inaccurate and incomplete It has been over 40 days since they received my dispute letter and have not heard back from them
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Product: Credit reporting or other personal consumer reports

These accounts are the result of identity theft starting with a room mate from back in XXXXXXXX XXXX XXXXXXXX. Her and I were sharing an apartment so she had access to my personal information. The following three accounts were opened by her without my knowledge or consent : 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: Checking or savings account

People who had access to the banks phone system stole {$600.00} out of my account.I have lodged two disputed with them. The second one was completely ignored. Never got a response of any kind.
Product: Credit reporting or other personal consumer reports

I can not get into or open an account with equifax to check my credit or review my credit report. When I attempt to log in it doesn't accept my email or phone number or password. 
It leads me to set up a new password. I set up a new password and it says it's incorrect. To please set up a new password. I set up a new password and it says incorrrect. 
After the third attempt, it locks me out. 
I call and sit on hold. The call never goes through. 
Im blocked out of their website or their website is hacked and interferes with any attempt to access my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied online for the Citi ThankYou Premier Card and was granted the account with a limit of {$6200.00}. I then received a social security verification from Citi saying my account was not actually approved, and they needed this paperwork back in the mail before approving and opening my account. However, Citi mailed me the card anyway. I called Citi and was confirmed by a representative that my account was not actually approved and there was a hold on my account until I returned this social security verification via mail ( they would not accept via email or fax ). I got frustrated with Citi 's communication and decided I did not want an account with their company. Therefore, I asked the representative what would happen if I did not mail back this form. I was then informed that this was a part of my application and if they did not receive this paperwork back, that my application would be canceled and would not be processed. I was assured that my account would not be opened and that after they do not receive this verification, that they would cancel my application. I received emails from Citi on XX/XX/XXXX and XX/XX/XXXX about online statements and activity on my account. I waited a few weeks to allow them time to realize I would not be sending it out and to cancel my account. I never used or spent this account. I called Citi on XX/XX/XXXX to understand why my account was showing open on my credit report as well as with Citi. I was then informed they still needed this social security verification anyway, and that my account was transferred to fraud department and investigations team. When asked to be transferred to them, they do not have a number. When I informed the rep the information the previous rep gave me about canceling my account, she confirmed that was not correct and to send in the paperwork so they could close my account. I told her I did not want my account closed, because I never opened one to begin with and I needed both Citi and the credit bureaus to show that I never had any account with Citi to begin with. She could not explain to me why I needed to confirm my SSN in order to cancel an application. She informed me that this paper was not part of my application, contrary to what I had been told by a previous rep. I was told that there was a freeze on my account for both me and Citi, and they can not make changes until they receive this paperwork in hard copy. I should not have to mail in a form with my SSN on it in order for Citi to cancel my account and application and remove it from my credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.
Product: Debt collection

Dear to whom this may concern : Your company Aldous & Associates violates my consumer rights. 

Under 15 USC 1692c- I XXXX XXXX XXXX XXXX the consumer, refuse to pay a debt collection I DO NOT OWE. I, XXXX XXXX XXXX did not sign a contract with your company Aldous & Associates. Your company did not notify or sign a wet ink signature. Your company did not notify I XXXX XXXX XXXX that I was entering a contract with a third party company. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Your companys inaccuracy has damaged my livelihood. It has damaged my ability to receive a mortgage, an auto loan, or any financial endeavors I may wish to receive shortly. It has damaged my character and my moral standing.

Full Disclosure ( I XXXX XXXX XXXX was not told that you were creating the credit with your wet ink signature ). 

Equal consideration. Your company brought nothing of value to the table and had nothing to lose. 

Your lawful terms and conditions were based on fraudulent mechanisms. 

You're a corporation or a " person ''. A corporation cant sign because they have no Right or Mind to contract. Since you are soul-less legal fiction ; furthermore, no third party can sign a contract on your behalf. 

Failure to DELETE this falsified debt and inaccurate information off of my XXXX consumer reporting profile in the next 30 days will lead to legal procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

My debt owed to XXXX XXXX XXXXComenity Bank was settled in full on XX after meeting with XXXX. XXXX XXXX we agreed to settle the debt without any further help from the courts for {$520.00}. We spoke to the judge very briefly and I was given 30 days to pay the debt ( which I did ), and then a withdrawal would be filed. 

I paid the debt, the withdrawal was filed, but XXXX/Comenity Bank refuses to remove it from my credit report like we agreed upon and will not update the correct status of my account -- paid or settled for in full. They are reporting that I still owe them a full balance which is false. 

I've disputed multiple times since I've paid this debt with documentation from XXXX XXXX XXXX ( who deals with Comenity Banks debt collection ) and nothing has changed.