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

I value you setting aside some XXXX  to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the creditors on many occasions letting them know they are violating my federal rights, pursuant to the fair debt collection practices act and fair credit reporting act along with local state laws please note that I am requesting these items be removed from my credit file from all the major credit bureaus please also be aware that any negative marks found on my credit reports including XXXX, XXXX, XXXXXXXX XXXX XXXX or from your company or any company that you represent, for a debt that I don't owe is a violation of the FCRA/ and FDCPA under USC : 1681 You must request all credit reporting agencies to delete the entry.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Nelligent, Ehablement of Identity fraud.and violations of the fair debt collection practices, Act including but not limited to Section 807-80 ) Violation of the fair credit Reporting Act I have no Acknowledgment of any items being reported. Thanks In Advance ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Self Lead Bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2022. I never receive my results in the mail for the dispute. I called and ask for the results multiple times but the result still haven't been mail to me. Pursuant to 15 USC 1681i ( 6 ) ( A ) the consumer reporting agency is suppose to send written results no later than 5 business days after the reinvestigation. The confirmation number for this dispute is XXXX.
Product: Checking or savings account

I contacted Chime on Monday XX/XX/XXXX regarding unauthorized activities on my debit card with the company. I had a total of {$210.00} in unauthorized transaction on my account. Within less than 24 hours I received email saying the " no error occurred '' and that Chime declined my dispute without ever doing any sort of investigations on the disputed charges. I provided additional detail and information of the disputed charges to the disputes agent while initiating the disputes including me being out of town during the time these transactions were taking place. I had unauthorized transactions on another card that was also stolen and was able to file a dispute with that institution which gave me my credits the very next day and the investigation is still ongoing. I also filed a police report for the unauthorized transactions and use of my debit cards, this information was also provided to the disputes agent. I do not feel like my money is safe at all with Chime and am very disappointed in even having to file this complaint as I thought this issue would be properly looked into.
Product: Debt collection

Midland Funding attached a judgment/lien on my home. When doing a title search I discovered that the judgment was for my ex husband. I did not know anything about this. I was not notified this was on my title to my home. When I called Midland they said they could do nothing. They could not tell me anything because it was not in my name. They finally gave me the attorneys name but I got the same story. They also said they could not give legal advice when I asked why would his debt be on my home.
Product: Debt collection

I was received an alert stating that state collection services was added to my credit report. I never received an XXXX notice, I thought the collection agency is suppose to send a notice to give you a chance to validate
Product: Debt collection

On XX/XX/year>, Bank of America N.A. improperly, and illegally, offset my ( customer ) Personal Checking Account ( XXXX ), for a past-due debt that was owed on a Business Account Credit Card ( XXXX ), in the amount of {$360.00}, leaving my Personal Checking Account ( XXXX ) with a {$100.00} balance. 

Federal Law and California Law explicitly state that a customer 's personal account can not be offset for a business debt that is owed to the bank. 

Additionally, Bank of America also violated the following codes of the California Code, Financial Code - FIN 1411 : ( a ) ( 2 ) ( b ) - A bank is limited in exercising any setoff for a debt claimed to be owed to the bank by a customer in that a setoff shall not result in an aggregate balance of less than XXXX XXXX dollars ( {$1000.00} ) as shown on the records of the bank for all demand deposit accounts maintained by a customer with the bank or any branch thereof. CUSTOMER : the offset resulted in a less than {$1000.00} aggregate balance in my account; ( a ) ( 2 ) ( c ) ( 1 ) - Not later than the day following the exercise of any setoff with respect to a deposit account for any debt claimed to be owed to the bank by a customer, the bank shall deliver to each customer personally or send by first-class mail postage prepaid to the address of each customer as shown on the records of the bank a written notice in at least 10-point type containing the following : ( 1 ) A statement that the bank has set off a debt or a portion thereof against the customer 's deposit account, identifying the account, and giving the respective balances before and after the setoff. CUSTOMER : no statement was provided by Bank of America showing respective balances before and after the setoff ; ( a ) ( 2 ) ( c ) ( 5 ) - Not later than the day following the exercise of any setoff with respect to a deposit account for any debt claimed to be owed to the bank by a customer, the bank shall deliver to each customer personally or send by first-class mail postage prepaid to the address of each customer as shown on the records of the bank a written notice in at least 10-point type containing the following : ( 5 ) A response form in at least 10-point type ... '' ; CUSTOMER : no response form was provided with the notice ; Bank of America also shut off the account alerts that were set up for such instances, i.e. to alert me via text and email that a debit had posted against my account ; this is misleading and unethical, at best ; The offset by Bank of America resulted in a financial hardship, and the closing of 3 credit card accounts, due to a late payment. The offset also resulted in negative credit reporting. 

Bank of America refused to provide any signed account agreement showing my allowing a business debt offset to be debited to my personal checking account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recov Assoc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand Dear Sir/Madam, I am writing to formally demand that you immediately cease and desist all collection efforts related to the account referenced below : Account Number XXXX Despite my request for clarification, I believe your actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may be causing unwarranted distress. Specifically, sending letters to an address I no longer reside in, causing me to receive this information up to XXXX year late I am hereby notifying you that I do not owe the stated debt, or if I do, I dispute the amount or validity of this debt. Under the FDCPA, I am entitled to request validation of the debt, and I ask that you immediately cease all communication with me until you provide proof of this debt, as well as any relevant documentation supporting your claim. Please consider this letter my official request for debt verification. 

If you continue to pursue collection efforts without providing adequate validation or continue any harassing actions, I will consider taking legal action to protect my rights and seek all available remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

This letter serves as a final warning to cease all attempts at contact, and I expect your immediate compliance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

On XX/XX/XXXX, 2017 approximately XXXX XXXX my car was stolen. Westlake financial breached my contract by not following the fair debt credit act. They also had relentless towing company trespass onto my private property and remove my personal private conveyance. Relentless violated chapter 1923. 01 jurisdiction and forcibly enter and unlawfully detain my private property after me asking him to get off my property. I let him know he was in violation of theft and that I can make him accountable for theft of private property. I then called the tow company to file a complaint on the guy who stole my property and was treated rudely while trying t speak to a supervisor, which she failed to do. I then asked to get the CEO/corporate office name and address and was told she could not disclose that information and hung up the phone on me, I called back to try to resolve the issue so that they can return my property and did not get and answer. I called westlake and spoke to a supervisor to resolve this matter and he failed to resolve it. I have documents and videos but I am unable to upload at this time. 
Pursuing to title 15 USC 1692 A4 the term creditor is construed to mean one who offers or extends credit or the creator of the debt. I am the only one who can be the creditor to my ability to create a debt. Westlake financial misrepresented their status as the creditor when in fact I am the creditor.
Product: Debt collection

I received on XX/XX/2021 and XX/XX/2021 from Convergent Outsourcing Inc. stating that I owed an alleged debt of {$1800.00}. I verbally told them that i do don't owe any debt but they continued to send letter stating this accusation. The reported this alleged debt to the consumer credit agencies, which is negatively affecting my reputation by being on my consumer report and also with out my consent to do so. In theses letters Convergent Outsourcing Inc. was offering me a discount on this debt to persuade me to pay it, along with their symbol being displayed on mail that indicates that they are debt collector is the debt collection business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
In accordance with the Fair Credit Reporting act 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, has violated my rights. 

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 According to 15 USC 1681i - Experian, XXXX, and XXXX  have 30 days to investigate and send me the results.

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Product: Debt collection

I recently discovered that my personal information was unlawfully used to rent property in my name without authorization. Furthermore, multiple unauthorized credit card inquiries were made using my identity. These fraudulent activities have not only caused financial distress but also compromised my privacy and security. I have taken immediate steps to report this identity theft to the relevant authorities and have contacted the affected institutions to address these unauthorized actions. 
southwest recovery ser XX/XX/XXXX {$47000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am having a huge problem here. Its been 6 months and continuing where citizens bank is not allowing me to access my money. The account is under review. But it was suppose to be done no matter what they said XX/XX/XXXX but now they keep refusing to send me my money in the mail as a check like they stated once they closed my account. They cant come up with any reason why my account is being looked at either! Thats the key. 
I have to sue because I have been evicted from my home and cant pay one bill!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third letter to your company. I would like to address this issue of this inaccurate fraudulent account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. 
I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. Not only that Iam a victim of identity theft and this account is a result of identity theft so that is the reason they are unable to provide proof!! This account is fraudulent and should be removed immediately. 
XXXX  XXXX/XXXX -- -XXXX # XXXX IN THE AMOUNT OF XXXX SHOULD BE REMOVED IMMEDIATELY..
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST on XX/XX/XXXX I received a email saying I own them money from a property I lived 3 years ago and left with a lease termination. due to un live-able conditions. 
the property was sold off to a new company and now the new company is trying to collect the amounts for the rent if I lived there but my lease was terminated and keys surrender over 3 years ago. 

the debt collector refuses to provide the lease, the termination paperwork or anything to prove the debt and just non stop calls and treats against me for not paying this. 

I asked many times for the lease and they are saying they don't have to provide that to me and after I got a hold of the supervisor he was no help and told me NO. then said mail us a letter asking for it. 


I sent them a email back with this. 


I am writing in response to your repeated attempts to collect a debt from me. While I understand your obligation to collect debts on behalf of your client, I must insist that you provide me with legitimate proof of the debt that you claim I owe. 

I have received several notices from you, but none of them have provided any real evidence of the debt in question. Therefore, I am requesting that you cease all attempts to contact me until you can provide valid proof of the debt. 

Please note that your failure to provide legitimate evidence of the debt will be considered a violation of the Fair Debt Collection Practices Act, and I will be forced to take appropriate legal action to protect my rights. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Account was included in bankruptcy XXXX. Has a XXXX balance .The balance should be XXXX and be removed from credit report.
Product: Checking or savings account

On XX/XX/2019 I tried to transfer XXXX $ to Usaa the bank gave me access to XXXX $ of the XXXX $ amount. And tell me that my other funds the XXXX $ are on hold from the bank for an entire week, not a few days like I have typically seen before. I find it very frustrating after banking with them for years that they dont lift holds and will not work with me. I need those funds to pay a car payment that will now have to sit and wait because of this. I have never had a funds hold for an entire week at any financial institution I have banked at completely thrown off that this kind of behavior would happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute to Transunion showing that their furnisher of bankruptcy XXXX XXXX had removed my bankruptcy from their report and stated that the bankruptcy came back unverifiable. 

Today on XX/XX/XXXX I received a response from Transunion stating that they will not be investigating because they have already done so, even though with the compliant I mailed on XX/XX/XXXX I attached the XXXX XXXX report letter, the part of the XXXX XXXX report that shows the bankruptcies had been deleted. 

Per Transunion own website below XXXX XXXX is the furnisher for bankruptcy before XX/XX/XXXX. 

https : //www.transunion.com/legal/public-records I contacted Transunion at the phone number on their letter received in XX/XX/XXXX at XXXX. I asked to speak to a supervisor. The supervisor XXXX came to the phone and stated just because the furnisher stated the bankruptcy is unverifiable doesnt mean it gets removed from the credit report. Supervisor XXXX also stated that they reviewed my letter on XX/XX/XXXX and decided not to pursue my complaint. 

The USPS Tracking # XXXX State of Maryland XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Case # XXXX
Product: Credit card or prepaid card

I went to XXXX XXXX XXXX in XXXX XXXX, Ca. to buy an electric winch for my truck at a sale they were having. The cashier at the store offered me a 10 % discount if I would sign up for the XXXX XXXX XXXX credit card. I did and was supposed to receive it within 1-2 weeks. I never received a card of any kind I still have not, even after talking to 3 separate store managers. 
I received my 1st bill about XXXX. The bill contained a new charge of {$1400.00}. I immediately called customer service and after being on hold for almost 2 hours, I was transferred to XXXX in the fraud dept. He took my info and I received a questionare on XXXX from the fraud dept.which I filled out and returned immediately. On my next billing statement, the fraud charge was removed. The credit card was changed from card ending XXXX to one ending in XXXX. Still no real credit card has showed up, but I was charged {$10.00} in interest. 
Since that time, I have received billing statements every month. My balance has grown by almost {$100.00}. I have written and sent them 2 letters but they don't respond.
Product: Prepaid card

I have tried to use my American Express XXXX card for XXXX  at XXXX, XXXX, XXXX and more and the card does NOT go through anywhere. I have been trying to use it for the past XXXX years and gotten nowhere. It's getting extremely frustrating and I feel like I will never be able to use the card anywhere ever. I have checked the balance and the full amount is still available, just completely inaccessible .... I just want to be able to use the money!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is my current address my DOB is XX/XX/1973 my SS is : XXXX I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXXXXXX XXXX Account/Reference XXXX has violated my rights. 

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
Product: Debt collection

I am writing to file a formal complaint regarding Credit Collections ' failure to respond to my validation request concerning an alleged debt reported on my credit reports. In XX/XX/year>, I reached out to Credit Collections to validate the debt they are reporting on my credit reports. Despite multiple attempts to communicate with them, I have not received any response. This lack of communication has caused me significant frustration and has resulted in multiple credit denials, impacting my financial well-being. 
It is deeply concerning to me that my request appears to have fallen on deaf ears. As a consumer, I have the right to dispute inaccurate information on my credit reports and to receive a timely response from debt collectors. However, Credit Collections ' failure to acknowledge or address my dispute request represents a clear violation of my consumer rights. I urge you to investigate this matter promptly and take appropriate action to ensure that Credit Collections complies with the laws and regulations governing debt collection practices. Your intervention is crucial in resolving this issue and protecting the rights of consumers like myself. Thank you for your attention to this matter