23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute an alleged debt listed on my credit report under your companys name for the amount of {$12000.00}, reportedly opened on XX/XX/year>. I have no knowledge of this debt and have never been contacted by your company in any way regarding its existence.

Despite the serious nature of this matter, your company has made no attempts to notify me or provide me with any documentation or validation regarding this alleged obligation. This lack of communication has left me unable to verify the validity of the claim, and the appearance of this debt on my credit report has caused significant concern.

I am formally requesting the following actions : 1. Cease all collection activities related to this alleged debt until it is properly validated.

2. Provide written documentation validating this debt, including original creditor details, transaction history, and any agreements or contracts bearing my signature.

3. Remove this debt from my credit report immediately if you can not provide proper validation.

4. Notify all relevant credit reporting agencies of the removal to ensure my credit report is updated accurately.

This letter serves as a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). As required by law, all collection activities must cease until you provide proper validation of this debt.

I expect a written response addressing this matter within 30 days of your receipt of this letter. If you fail to provide adequate validation or take appropriate corrective action, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. Additionally, I reserve the right to seek legal remedies if necessary to protect my rights and ensure the correction of my credit report.

Thank you for your prompt attention to this matter. I look forward to resolving this issue in a fair and timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau stated my account was properly investigated but how is that possible if the date opens inaccurate, the date last active is inaccurate, account type inaccurate, payment status inaccurate, and date last reported inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 a. States i have the rights to privacy 15 U.S.C 1681 Section 604 a Section 2. States a consumer report can not furnish a account without my written instructions
Product: Checking or savings account

Despite plenty of funds available, Simple  suddenly froze my account without ever informing me and has ignored all messages and phone calls requesting an explanation or status update for 26 days now. 

On XX/XX/2019, I received an email from XXXX titled " XXXX XXXX secure email message from Simple ''. Because the domain name XXXX did not align with the domain for the Simple Finance checking account I have ( simple.com ), I suspected it to be a phishing scam. Nevertheless, I logged into my Simple shared account and found no notification whatsoever that there was any secure message waiting for me. So I ignored the email. 

In the following days, I realized that I could no longer use the remote check deposit feature of my Simple  shared account but thought that maybe it was a temporary issue. On XX/XX/2019, I raised this issue via Simple 's in-app support messaging.

XX/XX/2019, a scheduled transfer from my business checking account to my Simple shared account resulted in an error. Also on XX/XX/2019, I received a reply to my support message that directed me back to the secure email message.

So I went back and found the secure message, which asked me to verify my identity ( even though I already verified my identity when opening the account ) via color photos of my Social Security card, government ID and bank statements from a linked external account. I responded with those documents on XX/XX/2019, but I have never received a reply. I also called Simple by phone that day and was told I would receive a timely reply.

On XX/XX/2019, a transfer from my Simple shared account to a trading account of mine was reversed, generating a {$9.00} fee.

Also on XX/XX/2019, an automatic debit from my Simple shared account by my Internet provider was returned, generating a {$30.00} fee.

So I sent a follow-up reply to the secure message on XX/XX/2019. I have never received a reply. I also called Simple again on XX/XX/XXXX, and the customer service representative confirmed that my secure message had been received. I was told I would receive a timely reply. 

After calling numerous other financial institutions to cancel or change automatic debits or payments, I called Simple  a third time on XX/XX/2019 The customer service representative provided no information except to again confirm that my secure message had been received and reassure me that I would soon hear back. 

It is now XX/XX/2019, and there has been absolutely no response to my repeated requests for a status update and explanation. My account remains frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails about inquiries on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion violated 5 of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Transunion also violated the following federally protected rights and I sent Transunion an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations. 
15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report sent me a notification that someone had opened up XXXX XXXX credit card in my name in XXXX of 2022 I found this out in XXXX or XXXX when it showed up on my credit I called the company they sent me paperwork to fill out to dispute it I went online and filled that paperwork also they told me to give them a month I'll follow back with them they said it was resolved at the end of XXXX it was not resolved now it's showing delinquency on my account it dropped my XXXX XXXX from XXXX something all the way down to XXXX and I'm in the middle of trying to purchase a house I called back and no one seem like they can help me get this resolved after they told me it's been resolved and that they will also send me a letter stating that it's been resolved. I'm.not the only one affected by this. I have XXXX kids and their dad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed on a car loan with my son at Carmax. Last year, Carmax XXXX XXXX falsely reported a late payment two separate times. Both our credit scores dropped and after calling multiple times we were able to get them to correct their mistake. Then a month later suddenly the loan vanished from both of our credit reports. All payment history, everything was gone. It simply said " account closed ''. We still have the car and continue making on time payments on it, but are not getting any credit score benefit from it. We have both called dozens of times and are always told they " are working on it ''. This is outrageous and is affecting our credit and we are getting turned down for loans and mortgages now. This is wrong and has caused us irreparable damage. We want all our retroactive history of on time payments up to and including the present date to appear on our reports and this loan to be put back on all three credit bureaus.
Product: Credit card or prepaid card

TD Bank issued a credit card without my consent, and they issued this credit card holding on a secure credit card deposit of {$500.00}, they failed to provide any proof of me requesting this credit card and they admit it was a mistake, they offered me a solution to close the secure CC which is my oldest credit card that I built my credit score on, and if I closed it I will have a huge negative impact my credit history score, I refuse to pay for their mistake by the effect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Extended fraud alert and all these inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

XXXX  2017, a collection was added to my credit report from CMRE Financial Services , Inc. Additionally, no written communication was sent to me from CMRE about this alleged debt before it was added to my credit report.   XXXX   XXXX  , 2017, I sent CMRE a certified letter informing them that I was unaware of of any outstanding medical debt, to send me debt validation/HIPPA authorization & a copy of my signature with the service provider to release my medical information to them, and to cease credit bureau reporting until the debt has been validated.
In turn, on   XXXX   XXXX  , 2017, a correspondence was sent to me from CMRE stating " we have your disputed notification, but we are unable to conclude an investigation as we have not received sufficient information to substantiate the basis of your dispute. '' CMRE has not, as requested, provided me with full documentation of what they have received from the provider of service in connection with this alleged debt, thus violating my rights under FDCPA.
Product: Credit reporting or other personal consumer reports

During the time frame of XX/XX/2023 and XX/XX/2023 i applied for a mortgage loan while shopping for mortgage rates. My credit was pulled multiple times by the same company ( XXXX XXXX ) and those inquiries have all counts as separate inquiries although they were made within the XXXX  day window and should have only been counted as XXXX  inquiry. My credit report shows XXXX  separate inquiries within that time frame and has caused my credit and fico score to drop significantly and prevents me from obtaining fair credit by staying i have too many hard inquiries on my report and is considered excessive credit seeking. I would like these inquiries consolidated and the additional inquiries from this company within those XXXX   days removed from my credit report. I was told by the credit reporting agency representative that these inquiries all count as separate attempts however, and my request and dispute has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This ongoing complaint targeting all three Credit Reporting Agencies is my final attempt to force them to cease their bad Faith Actions prior to my securing Counsel and seeking to file a civil suit and seek permission for a Class Action Suit, as there are many others with the same issues.

It is my understanding that the underlying motivation of all three is self enriching and for the enriching of their " member companies '' I have made multiple complaints for years that they have all consistently participated in a pattern and practice of ignoring disputes, failing to properly investigate and correct dispute and inaccurate Information and intentionally provide false Information so that their " member companies '' can charge higher interest rates due to the credit scores and Information provided by their reports.

My complaints have not been addressed or corrected at all as of the writing of this complaint.

I have made multiple complaints to the CFPB recently. They have all been ignored.

I demand the following : 1. ). To be sent accurate, corrected and updated paper reports from all three agencies, as well as electronic access immediately.

2. ). To have my personal Information ( Address history specifically ) restricted from the reports they share due to significant personal safety issues related to my Actions keeping a Congressman safe, pursuant to a Commonwealth of VA Court Order, which they all have.

3. ). To have all agencies comply with the policies of dropping negative items after set time periods have passed and to actually investigate complaints submitted by consumer instead of merely stating that their " member companies '' denied them and recuse to correct the complaints.

4. ). To Add significant creditor Payment histories from companies that do not pay them to report, ( as the companies demand ePayment in order to List credit histories from creditors. I have provided certified, notarized payment histories of greater than $ XXXX that they all refuse to include in my reports, to make my history look less significant, again to enrich themselves and their " member companies '' Further, I am furious with XXXX, who literally told me that they will not perform their manadated actions because they felt I was, " Attempting to hide from or avoid Financial responsibility '' Theese Actions are reprehensible, especially in a time when the Government Administration is taking actions to attempt to defend it's citizens from such abuses. 

I risked my life for my country. I am permenantly XXXX due to service to the public. I demand better treatment than the intentionally punitive, bad XXXX actions of XXXX ; Equifax and especially XXXX XXXX in retaliation for my merely demanding the proper treatment they are in place to provide.
Product: Debt collection

FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported inaccurate information on my credit file and shared it with XXXX and Experian. Attached you will find the letter from XXXX clearly stating the Bankruptcy placed on my file is unverifiable. Also PACER advised the data being reported as unverifiable. Please have them to remove the inaccurate data immediately please. Attached you will find the letter from XXXX clearly stating the Bankruptcy is unverifiable and removed from my file.
Product: Mortgage

Completed a mortgage refi with current lender. After closing lender called asking for updated loss payee 1 additional day due to loss payee effective date was 1 day after closing. Lender did not contact insurance agent. Agent was called and updated requested. Lender force placed coverage for 1 day at {$5.00} and did not issue credit. the insurance was always in effect with no claims or losses and error was lenders. Lender has now modified payment to recover coverage. 

Insurance has been in pace for 10 years with the same coverage. Double coverage is abuse of the consumer and basic common sense would dictate that obtaining coverage for a lender error to cover nothing is predatory. I insist the {$5.00} be credited and adjustments made
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate information present on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). The persistence of these inaccuracies despite my previous attempts to rectify them is unacceptable and has caused me significant distress. 

Under the FCRA, consumers have the right to accurate credit reporting, and your failure to uphold this obligation reflects negligence on your part. These inaccuracies not only damage my creditworthiness but also infringe upon my legal rights as a consumer. 

I demand immediate action to rectify the erroneous information on my credit report in compliance with the FCRA. Additionally, I expect compensation for any damages incurred as a result of your agency 's failure to comply with federal regulations. 

Failure to address this matter promptly and appropriately will compel me to escalate this complaint further, including reporting your agency 's non-compliance to the appropriate regulatory authorities. 

I anticipate a prompt response outlining the corrective actions taken and a timeframe for the resolution of this issue.
Product: Debt collection

I have a hard inquiry on XXXX XXXX  which was paid and settled by XXXX XXXX XXXX. They are still trying to collect
Product: Debt collection

These XXXX keep calling from RANDOM phone numbers constantly. Sometimes it seems like different area codes as well. I think we have XXXX or XXXX different phone numbers for them so far. This is after we started keeping track. There have been dozens of hang up calls and calls from outside our area code with no messages left. 

I KEEP telling them they are NOT calling an individual but to the BUSINESS phone of a NON PROFIT ORGANIZATION. 
It appears they are to stupid to comprehend that simple English statement. 

They never state who they are, or the name of the person calling. If they do not hear a person answer they hang up and Voice mail messages from their numbers end up as " dead air '' and fill up our voice mail system sometimes preventing other legitimate callers from leaving messages. 

In an attempt to get more details of who THEY are, whenever i say that i am the person they are calling for, they tell me they are trying to collect a debt from a credit card, or other bill. The story seems to change each time. the dollar amount seems to change each time. 
I have not owned a credit card in possibly 10 years. Last vehicle was paid off about 10 years ago. 

With all of the internet scams out there, maybe these jokers are just professional scam artists? Hard to think otherwise knowing i have no credit cards or debt in 10 years. 

Any future contacts from them to us will be met with the most harsh and hostile reception possible.
Product: Vehicle loan or lease

Purchased a vehicle from Carvana. They have been paid and my temp tags are expiring in a week. When I initially was going through the purchase process, a representative stated that they would take care of the costs for the tax and tag. I asked for specific details about how it would work so I would be prepared. It was stated that they would mail everything I needed to pay for the taxes and tags. Today I called, I was told that I would be responsible for taxes and tags out of pocket. The agent stated that since the finance agreement did not explicitly state that the tags and taxes was part of the purchase, that I would be responsible. I feel that this behavior was extremely deceptive and borderline lying to get the purchase through. At no point, did any of the agents state that the taxes and tags had to be in the agreement for them to take care of it. I feel like they should have not brushed over the questions that I had so that I completely understood what is to be expected. 

After the check has cleared, they have done a 180 and say I am responsible for tag and tax. It says it right there on their website, no hidden fees or costs.
Product: Checking or savings account

I used chime for less then a year and Ive been trying to get my money back and after 4 months of being sent in circles they finally told me last night after sitting on the phone for almost 3 hours that I cant get a refund.so I got in touch with somebody this morning and now all of a sudden its notes on my account and information that wasnt there 4 months ago. So now the lady is telling me that some suspicious activity has been going on with my account and thats why they closed it. But if thats the case they would of told me sooner and not just froze me up like that. I lost XXXX dollars
Product: Checking or savings account

On XX/XX/XXXX2023 an online donation was made in the amount of {$2500.00} to the XXXX XXXX in XXXX XXXX, Florida which was unknown to me and discovered that charge on XXXX XXXX, 2023 however the Truist Bank would not open again until XXXX  XXXX, 2024 I immediately went to the bank to dispute this charge and close this debit card. XXXX Bank replied by denying this dispute stating that it was not reported within a XXXX period. This reply was shocking to all the personal at this Truist Branch in XXXX XXXX, Florida as well as the branch XXXX and XXXX XXXX the Relationship Banker. I reached out to the XXXX directly several times to verify who presented this donation payment to them but they replied to dispute the donation with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm really beyond bothered. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt but look how far weve gone! Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like you to delete the account below from my file : XXXX XXXX  XXXX