23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I iled a legitimate dispute with Direct Express regarding {$390.00} of fraudulent charges on my card make by eve XXXX. Having never filed a dispute before I made sure followed there dispute process throughout their investagation. I was given a provionsal credit of {$390.00} until they completed their investagation.. upon completing their investagation they determined the was no error made. I received a letter from them them stateing they were reversing the privionsal credit in the amount if {$0.00} when they actually withdrew {$390.00}. My claim was a legitimate claim. I contacted the XXXX  and found countless of people who had experienced the exact situation that I did however their banks honored their disputes and Direct express denied mine. I requested a copy of the documents direct Express used in determining the outcome if my dispute and have not received them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX XXXX XXXXXXXX is Removed and deleted off transunion but still reporting on my Equifax credit report. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX  ) XX/XX/year>. Account : XXXX XXXX XXXX XXXX ) According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX - Account ref : XXXX - Order number : XXXX Cancelation date : XX/XX/2021 cancelled a contract with them in XX/XX/2021, on the 1st day as their product was not working, laid numerous complaints a number of times and they have promised to collect and cancel the contract and they also promised that someone will contact me. which has not been done over a year later and they put on my report that i owe them numerous cases logged with them They have also handed me over to a debt collection company which stated that I owe them over XXXX A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave TransUnion LLC Consumer Dispute Center any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.
Product: Debt collection

This XXXX XXXX company in violation of the FCRA and FDCPA has been repeatedly contacting me regarding a purported debt that I have not paid. They have not produced the accounting ledger showing the history of all transactions, including the one that allowed them to attempt to collect on this fraudulent account.This account is not mine. I made this company aware that this is the result of identity theft, to which I have completed and FTC identity theft report. To not avail, they continue to harass me conspiring to violate my right to privacy.
Product: Checking or savings account

Chime closed my account on XX/XX/XXXX. i had just got my check deposit on XX/XX/XXXX. i had {$960.00} on my account. i have been emailing & calling back & forth with the companys customer support system with no luck. they asked for a picture of my ID, a picture of me holding a piece of paper with my name & the date, & the last XXXX of my social. i have sent this information multiple times. they just send the same automated email back asking for the information again.
Product: Debt collection

At XXXX on XX/XX/XXXX I recieved a phone call from the number XXXX this number has called multiple times and I have answered in the past and asked they do not call again. This time they called and said their name was XXXX and asked specifically for my parents. My XXXX  is in the hospital so I asked who they were. When I asked who they were they begin to say nevermind and hang up. They said just tell them we looking for them. I said Im not telling them anything because you could be a scammer since you will not identify yourself. They hung up in my face. I called back. Another woman answered. I explained XXXX hung up in my face. She put me on hold and put XXXX on the phone. I told her she was rude and she hung up again. I called back another woman answered and all three began to yell at me. I told them I would report them and they hung up again. Im worried my elderly parents have been scammed or currently being scammed by loan sharks. Please help and assist if possible. I ran the number through been verified and it said its a company called Covington Credit in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card has been reporting an account that I'm listed on as an " Authorized User '' as being CLOSED/TERMINATED yet the account is " OPEN '' and this is in error. The Primary Cardholder has on several occasions communicated with them that this is in error.
Product: Mortgage

I made the XXXX/XXXX/16 loan payment of {$2800.00} to SLS and the check was cashed XX/XX/XXXX according to my bank XXXX XXXX. Apparently they posted the funds to someone else 's account. I received a call from SLS after this and have been checking their online system and calling them almost daily. They have been unable to correct their error and now are sending me delinquency notices. I would like to be compensated for my time and have the accounting fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a collection reported on my credit report. 
A Letter sent was sent me, XXXX XXXX XXXX added a derogatory mark on my credit report. Per XX/XX/XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Checking or savings account

My account had fraudulent charges, police reports have been submitted to chime as well as police report regarding the arrest of the person who did fraud on my account same out come they found no error this was a fraudulent charge all parties involved have been arrested for this theft and proof has been provided and chime still says no error
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX  XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

Yes well fargo kept taking money out my account and overdraft fees kept being took out sense 2019 they would take more out my account then necessary, they let scammers use my card number 4 times sense 2019 stuff would be charged on my card I didn't pay for and when I take them I didn't buy it, they wouldn't give me my money back.
Product: Mortgage

my loan has been approved for home retention and I wish to move forward with the loan modification however Citizens Bank still has not sent me the final modification documents needed to finalize the modification. I was initially told by Citizens Bank loss mitigation dept that it could take 2 weeks to get the final modification documents generated from the initial approval. It has now been 6 weeks and the final modification documents still not have been generated. The approval letter from XX/XX/XXXX clearly states that In order to accept this offer, please send back the final modification documents, signed and notarized ( if applicable ) by XX/XX/XXXX, The letter also states that if I dont send the final modification documents my XX/XX/XXXX my modification will be null and void I am worried that by not getting the final modification documents sent to Citizens Bank by the deadline of XX/XX/XXXX, it will be used against me to null and void my modification as stated on the approval letter. North Carolina is a non-judicial foreclosure state so I can lose my home very quickly if the investor that owns my loan starts the foreclosure process. I WANT TO KEEP MY HOME!! Citizens Bank is not servicing my loan correctly by not sending me the final modification documents in a suitable time frame.
Product: Debt collection

Id like to make a motion to dismiss the collection on your account for CitiXXXX XXXX because there is no assignment agreement-this is not my debt, and XXXX has failed to provide me validation of this debt. The account number is XXXX. They are claiming the debt is for {$7900.00}. 

Also, this account was purchased by XXXX XXXX. XXXX XXXX  and XXXX XXXX has failed to show me a purchase agreement, or assignment agreement. Also, the law firm that is handling this debt for XXXX XXXX  is not licensed in the state of Arizona. According to AZ revised statute, 32-1055, debt collectors must apply and obtain a license with XXXX XXXX XXXX XXXX  in order to collect a debt in arizona. The law firm-XXXX  XXXX , XXXX is not licensed in Arizona to do business.. LVNV XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah This letter is formal complaint that they have ignored my formal request, and failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports that they publish. Credit reporting laws ensure that bureaus report only 100 percent accurate credit information and every step must be taken to ensure the information reported is complete, accurate, and correct. 

The information must be deleted from my credit report as soon as possible. The information is inaccurate and misleading and as such, represents a very serious error in your reporting. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel and relief through the courts, and file complaints with the regulatory enforcement agencies, including the CFPB, FTC, and my state attorney general. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within 15 days of the completion of your reinvestigation. 

Sincerely yours, XXXX XXXX XXXX here
Product: Credit card or prepaid card

I have this account since I joined the Military back in XXXX. I never had this account on my credit report but recently I missed a few payments and now they are reporting derogatory on my credit report. I called them on XX/XX/XXXX to ask why my account is closed and why it is reporting negatively. I was told in an email that my account was active and is able to be used for charges. 

Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). 

A request has been submitted to remove the ACH payment restriction on your account. Your account is active and can be used to make charges. 

Payments may be made by cash, debit card, check or money order at any local exchange. Customers may also schedule a bank draft, or mail their check or money order directly to : EXCHANGE SERVICE XXXX XXXX XXXX XXXX, OH XXXX Please make sure that you include your account number on the check. 

If you have any further questions or concerns, please feel free to contact our 24/7 Customer Contact Center at XXXX, or via email at XXXX. 


Respectfully, XXXX XXXX. 
The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX Visit our online store! www.shopmyexchange.com I was told by the representative that my account was closed because I used a bill consolidation agency incharge. I have always been in good standing with this account. They even took money out of my paycheck without my consent or awareness back in XX/XX/XXXX. I am caught with all past due payments.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding persistent inaccuracies on my credit report. Despite my repeated attempts to rectify these discrepancies, it has come to my attention that the credit bureaus continue to disregard the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ), clearly mandates that credit bureaus must modify or delete accounts that do not accurately reflect the individual 's financial history. Unfortunately, my efforts to bring this to your attention have been met with frustration, revealing a concerning breach of the laws designed to protect consumers.

Referring to 15 USC 1681b ( 1 ), it is crucial to emphasize that the credit bureaus lack written permission regarding the information on my credit report. Furthermore, my right to privacy, as stipula

ted in 15 USC 1681, is being compromised due to the persistent inaccuracies. As outlined in 15 USC 1681s-2, it is explicitly stated that a per
son shall not furnish inaccurate information to any consumer reporting agency. Despite my notifications regarding the inaccuracies and the invocation of the provisions of 15 USC 1681 for a reinvestigation, the credit bureaus have failed to block and permanently delete these accounts within the legally mandated four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Tracking XXXX  Proof Delivery to Equifax Thurs XX/XX/XXXX. See attatched XX/XX/XXXX Letter from me to Equifax Requesting VERIFICATION OF XXXX & XXXX  ACCOUNTS. MAIL FRAUD Criminal Investigation USPS DELIVERIES NOT MADE XX/XX/XXXX. See attatched Equifax XX/XX/XXXX. See attatched Equifax Reports. See attatched FTC ID Theft case XXXX. My complaint is : Despite written requests the unverified original signatures of delivery into my hands and Dr License & Signature VERIFED I Opened Accounts have not been provided. The Accounts still remain on my credit report in violation of Federal Law. Equifax is required under FCRA to have a copy the original creditors documentation on file to verify that this information is mine and correct. In the reports Equifax stated " VERIFIED '' that these items were being " REPORTED CORRECTLY ''? Who verified these accounts? Equifax has 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 Equifax failed to provide the method of verification required under SECTION 611 ( a ) ( 7 ) Under SECTION 611 ( 5 ) ( A ) of the FCRA REQUIRING Equifax to " ... ..... 
Promply DELETE all information which can not be verified ". *THE LAW IS VERY CLEAR THESE BANKS ARE REQUIRED TO BE ( XXXX XXXX COMPLIANT ACCESS TO ALL XXXX. ) I HAD NO ACCESS TO THESE ACCOUNTS. XXXX The Law is very clear as Civil liability SECTION 616 AND 617. I DEMAND EQUIFAX VERIFY THE XXXX  & XXXX ACCOUNTS WITH ORIGINAL DOCUMENTATION OR DELETE IMMEADIATELY. I have only recieved credit reports claiming these accounts are verified, I have the right to ask for the original signed contracts wit ID to truly verify my signature.
Product: Debt collection

In XXXX of XXXX. I purchase a XXXX XXXX XXXX from a local Georgia dealer. Chrysler Capital financed the purchase. My business finances took a sharp nose dive which in turn affected how and when I could pay my bills. XXXX XXXX, the vehicle was repoed with Chrysler Capital selling the vehicle for approximately 19,000 give or take which left a balance of XXXX. Fast forward to XXXX when an inside collection agency within Chrysler Capital sent me a collection notice for XXXX. I contacted and use an attorney to deal with the matter. Attorney sued and won a judgment against XXXX XXXX. Chrysler Capital and their collection agency should have stopped their collection attempts. Instead Chrysler Capital has added this fictitious balance to my credit reports as of two weeks ago. They are in totally violate the FCC rules and regulations. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mad my XX/XX/XXXXcar payment which was XXXX $ with the processing fee which left my balance at XXXX $ I then made an early payment for XX/XX/XXXX on XX/XX/XXXX of XXXX and asked that the extra XXXX $ be applied to principle On XX/XX/XXXX I made an early payment for XX/XX/XXXX of XXXX and asked the extra XXXX $ be applied to principle balance None of my principle payments have been applied to the balance and the company has not updated my payments since XX/XX/2018 which is 3 months ago.