23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 
I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 
Thank you for your attention to this urgent matter.
Product: Checking or savings account

XX/XX/2022 amount XXXX I was told my account was on hold plenty of times then all of a sudden my money was taking out my account chime told me to dispute it and I did they declined my dispute then they closed my account after several times my account got put on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit profile through XXXX  and convergent outsourcing collection agency has added a derogatory mark on my credit report. Upon further research, it appears that this account was transferred or sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, I have not received no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and state that the debt is mine. According to the FCRA, Covergent Outsourcing has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

The address and mi information no is correct, on my debt is incorrect and I need the account removed from my credit report. 

the company my personal information is not correct and the account has to be removed from my credit
Product: Debt collection

I saw an amount of {$3600.00} deducted from my account and when I further investigated I learned it was a judgement from the courts. I contacted the saidth lawyer office and they give me the company XXXXXXXX XXXX XXXXXXXX they said they represent Velocity investment LLC and I told them send me the information because I didnt know of any loan and I did not receive any documentation that i could dispute nor did I receive court papers. It was a loan taken out in XX/XX/2016 for the amount of {$3000.00}. They then send me a fraud packet to file.
Product: Debt collection

I disputed the debt and this is what I received back WESTLAKE FINANCIAL SVCS POTENTIALLY NEGATIVE Account Info Account Name WESTLAKE FINANCIAL SVCS Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$9500.00} written off. {$9500.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$9500.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$11000.00} Highest Balance - Terms 48 Months On Record Until XX/XX/XXXX Contact Info Address XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone Number ( XXXX ) XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Invalid date, Invalid date, Invalid date, Invalid date, Invalid date Affected by natural or declared disaster. 

Invalid date, Invalid date, Invalid date Payment Deferred. 

Invalid date, Invalid date, Invalid date Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit card or prepaid card

I'm sorry I wasn't specific enough on who the complaint is for edd bank of America pre paid debit card.. I filled a claim back in XXXX of 2020 and got credited for the claim on XX/XX/2020 for the amount of XXXX ok when I was able to log in one last time on my account before I got lock out of my account I saw that it got credited and that was it I wasn't able to access my account since then until now that I told edd it's an account take over Bank of America claims department said it was credit but told them my account has been compromise that I wasn't living any more at my old Address on XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

on XX/XX/20, i received an email from XXXX thanking me for a {$100.00} gift card purchase for XXXX. i do not know a XXXX, so i knew this was bogus. i immediately contacted XXXX to say i did not buy a gift card, and XXXX deactivated my account and canceled the gift card. but they did not refund the {$100.00} charge. 

i also contacted chase.com to say that apparently my account had been hacked because someone had made a {$100.00} purchase with my credit card. chase sent me a new card and opened an investigation. they contacted XXXX   for more information and XXXX provided chase with my name, address, email, phone number and credit card number. chase determined that if XXXX   had my personal information then the charge was valid. 

i did not have a XXXX account, although i had had an account with one of their affiliates, XXXX ( i believe XXXX has acquired XXXX ). i was appalled to find out that XXXX had my personal information in the first place. i had previously used my chase card to have food delivered, but that was a one-time order, i did not authorize XXXX to keep my information on file. that XXXX 's lax security allowed a hacker access to my personal information is not o.k. 

that chase would deny my fraud claim on the basis of information provided by XXXX -- information i had no idea XXXX had in its possession -- seems to me a violation of federal consumer protection regulations. and that is the basis of my complaint. 

i have corresponded and talked on the phone to several people in chase 's fraud investigation department. again and again they've told me that if XXXX   had my personal information then i am responsible for the {$100.00} charge. that can't be right. 

although chase promises to protect its cardholders, it is not providing any protection for me, its customer in excellent standing for 10 years. here 's what the chase web site states : " Your security is our number-one priority ''. it further states " You wont be held responsible for unauthorized charges made with your card or account information. '' that's balderdash.
Product: Credit reporting or other personal consumer reports

I previously disputed an account listed on my consumer report XX/XX/24. I did not receive verification regarding this account. I submitted my Identity theft report to validate my claim that this account does not belong to me. I never signed any consumer contracts with this company furnished on my report. They have not provided me with any contracts bearing my wet ink signature nor have they proven that I owe this alleged debt. I am reaching out to you to request a reinvestigation into this matter because this account is causing extreme hardship for me. I take my credit very serious and the fact that this identity theft is going unnoticed bothers me. According to the FCRA 15 USC 1681i you are required to do a thorough investigation. I seek maximum accuracy just like the law states. This company is committing fraud by attempting to collect a debt I do not owe and they have violated my right to privacy by having my personal information without my consent. The account in question is XXXX XXXX XXXX account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information and its hurting me going forward, Information is definitely incorrect and I have filed police reports, did a fraud report and nothing has been done, yes I have sent copies of t h e police report to XXXX, exquifax a n d XXXX, no one is paying attention and I am being hurt behind it.
Product: Credit card

XX/XX/year> I received notification from my XXXX credit monitoring service that a indigo XXXX that I closed several years ago had new activity and was reopened. I logged into the account and it showed a {$3.00} monthly fee on an account with a XXXX balance. I called the customer service line XXXX and really was not able to get much assistance or explanation as to why I was being charged a monthly fee for an account with no balance, and for an account that was previously closed. She tried to explain something about new terms and conditions but this made no sense given the fact that the credit card should have already been deactivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a paydayloan from XXXX XXXX in XXXX in XXXX. I then relocated to XXXX XXXX. I somehow found out or remembered the loan, therefore, I went to the lender and paid it off with cash. A few years later I needed a new paydayloan in XXXX XXXX. I was turned down due to the paydayloan from XXXX XXXX, I know this because teller gave me a number for the Indiana data base and they discussed the matter with me. I was very appalled, the told me to reach out to XXXX XXXX. When I spoke with the teller she said she would investigate and call me back. She never did. I called back a few weeks later and the same missed opportunity to assist me occured. I let it go ... .until I needed a payday loan again. Plz help XXXX XXXX no longer has an institution that receives incoming phone calls. Even the place that I made my payment is no longer physically active.
Product: Checking or savings account

Please note that this is not a duplicate complaint. This is regarding a different issue Bread Savings bank repeatedly keeps putting my bank account in " restricted status '' without informing me. They also keep making snide, rude and borderline XXXX comments when asked about this. 

When I first opened this account in middle of last year, as soon as I transferred my savings here they put my account on a hold status and started demanding all sorts of documents. Even after giving them ample proof of my identity, it took weeks to get the access restored as they couldn't get the simple fact non Citizen US residents can also legally open bank accounts and that not every one needs a drivers license. They have deleted all those chats form the secure message but I specifically remember this woman who called me and told me that it is suspicious that I have so much in savings. 

Another comment they made recently to me by XXXX, XXXX of their XXXX reps, was that my account looked suspicious because I had XXXX linked accounts even though I told them that their website allows that and I am willing to provide proof of ownership for each one of them. Long story short, I logged into my account today and they have again put my account into restricted status without informing me in any way. I am attaching a proof with a timestamp. I wanted to do an ACH transfer from another account but I am worried that Bread Savings might block it or reject it, so effectively they have blocked me from accessing my savings. The worst part is that they don't even bother to inform the customers and I have been a customer with them for more than a year and have kept substantial savings in my bank account.
Product: Credit card

I had applied for a new credit card for balance transfer. I have attached screen shot of false marketing and gimmick Citi bank is doing. 

I have pristine credit report and usually XXXX of fortunate ones to have XXXX. 

So I applied for balance transfer and my application was immediately approved. 

To my disbelief i only got {$500.00} for balance transfer. So I called them, why and they wouldnt not say why i was given only {$500.00}. The promotion of XXXX balance is only for first XXXX  months. They said they don't have details about my credit and can't disclose why it is like that. They can't increase my credit limit for XXXX months since i opened the account just last week. 

I had similar request from discover credit card and they approved with correct balance transfer of XXXX. 

I think i am educated but lot of malpractice is happening in Citi XXXX cards and not complying with federal practice of fair lending. They are misleading consumer with XXXX % balance transfer etc. 

They also did hard pull on my account and are not accountable for it. 

Attached screen shots and you can google it also.
Product: Mortgage

I paid my mortgage off that I had with Nationstar. I still have not received my release of loan documents. All I now is that they hav my money but no evidence that it is paid off. I want papers that state that I no longer owe money on my home. I called and went through all the menus finally was connected to a real live person. I explained what I wanted gave him all the information including my social security number he told me he told me that he would have to research it for me. I was put on hold for XXXX minutes and then was disconnected. I should not have to go through all this consternation to get loan release certification. I am so glad that I no longer have a mortgage with Nationstar this is not the XXXX incident I 've had with them. They are not a reputable company. They seem to be a little shady and not really professional.
Product: Debt collection

XXXX and XXXX contacted me in XXXX and XXXX that 1 item of negative info was on my credit report. Portfolio Recovery Associates have sent me to collection for a charge of {$550.00} on a XXXX bank XXXX that was fraudulently obtained with my name and SS # with and address in XXXX XXXX  XXXX I didn't do this. I have never lived in XXXX I have had a XXXX and XXXX account with XXXX XXXX This charge never appeared on my statements. Both of my accounts with XXXX XXXX  are now closed. I have had an excellent credit rating, and I need to get this issue resolved. My info was stolen, and I am frighted it can happen again.
Product: Credit card or prepaid card

I have enjoyed the use of a Synchrony XXXX VISA credit card for 2-3 years. Based on my credit score and subsequently my payment history, I began with a credit limit in excess of $ 6k, which gradually increased to over $ 9k and finally to over $ 11k. 

A few months ago, included in my monthly statement was a notice from XXXX stating, " To Our Valued XXXX VISA Credit Cardholders : We regret to inform you that, due to the current market environment, the XXXX Visa Credit Card program is ending. You can continue to make purchases using the card until XX/XX/XXXX and redeem your earned rewards points until XX/XX/XXXX. We encourage you to use your points toward the purchase of a new XXXX ... or to apply your points towards your current credit card balance in the form of a statement credit. '' ( Based on their previous written explanation, my current points equate to over {$260.00} which I intended to apply to this month 's bill. I am allowed to redeem points XXXX {$300.00} per year. ) After I was unable to redeem the points online, I contacted XXXX 's Customer Service Department ( XXXX ) at XXXXXXXX XXXX  on XX/XX/XXXX to get assistance in redeeming the points as a credit to my account. The representative ( XXXX in the Mo. office ) informed me that his records did not show me having ANY rewards points, to which I informed him that my current statement ( received this week ) shows me having over 26k points ( based on my charges in excess of $ 13k since XX/XX/XXXX ). Upon speaking to Supervisor XXXX, ID XXXX. XXXX ( at my request ), I was informed at an extremely accelerated speaking rate that while the rewards points are still redeemable til XX/XX/XXXX, a decision was made not to allow me to redeem my points. He could not give me a clear response as to why my account was singled out in spite of my current statement indicating otherwise. It is worth noting at this juncture that my account has been paid in an EXCEPTIONAL and TIMELY manner since its inception, generally carrying a " XXXX '' balance at the end of each month. I don't think I EVER made a " minimum '' payment. 

I would appreciate a response as to whether this has been a deliberate deceptive business practice and/or whether other practices/policies generated this action regarding use of the earned rewards points.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take + timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Ocwen Loan Servicing , LLC misappropriated my payment from Monthly Bi-Weekly Administration which was recorded on my credit score with XXXX as delinquent. I have called them numerous times to remedy this with no luck. I have a letter from them stateing that it was all taken care of but it still appeared on my credit score. They have even sent me a Notice of Assignment, Sale or Transfer of my mortgage Loan. They admitted that they were at fault but it still is n't fixed
Product: Checking or savings account

On XX/XX/XXXX at XXXX, Discover Bank froze my checking and saving account that houses all my finances that includes my work checks that get automatically deposited as well as my savings. I have tried since the XXXX to contact 3 numbers that they have given to me to get it unfrozen but have sat on hold for 3 to 6 hours with no contact. Now I am becoming aware that there are other bank holders that have had no access to their accounts going on three weeks. I have a XXXX and need access to my funds for my medication and there is no way to get it. In addition, of course maintaining lively hood so I am not homeless. 

Discover has not made a statement or reached out and I am at a loss of what to do because talking to someone from discover is the only way to get my account unlocked and like many we can't get anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED IN MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.