23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was notified through my monthly credit monitoring on XX/XX/XXXX that a collection account appeared on my credit report with XXXX and XXXX XXXX in the amount of {$1400.00} dollars. 

I informed the representative who I spoke with that the account did not ring a bell and asked for a validation of debt letter. I asked if the letter would be going out yesterday and was informed maybe in a week or 2 weeks but he could not say for certain when I would get the validation letter. 

I was informed this account was from XXXX and that is when I remembered I had an initial case of fraud on my credit which resulted in a fraud alert being placed in my credit file for all three credit bureaus. I called the representative back from the collection company and left a message that I was in possession of a letter from my bank in XXXX concerning fraudulent activity.
Product: Debt collection

DisputeLvnvFundingL.L.CreinsertedinformationremovefromXXXXXXXXconsumerfilepreviouslydeletedpursuant(A)FCRAthelawstatetheagencyshallnotifytheconsumerinwritingnotlaterthan5businessdaysafterreinsertioninformationthatmayaremaynotbeaccurateIreceivednosuchnotificationthisisaseriousviolationoftheFCRAandIreservetherighttopursuefurtheractionimmediatelyifnotremove.datereinsertedbetweenXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance to FERPA breach of information is a violation of my rights. I fear unauthorized access to my personal information has compromised the integrity of any agreements.
Product: Checking or savings account

I have been using Bank of America for years and recently I decided to get a direct deposit of some of my paycheck through them at a fixed deposit and the rest to go in another bank. On Monday I was paying for something when the transaction could not go through and that the next day I called the bank and they told me that they had closed my accounts and could not give a reason. I visited the bank that day, XX/XX/23 and I was given the same reason however they told me that the account was still open to receive any direct deposit money but they will decide when to send whatever money will be in the account after they finally close the account on XX/XX/23. I am going to get a direct deposit tomorrow XX/XX/23, which I can not access until they close the account completely on XX/XX/23 and the bank then decides when to send the check. I was using the account for overseas business now I can not transfer the money and I can not access it and when I asked them to close the account right away today on XX/XX/23 so that my money does not go into the closed account, they told me that they can not do it until XX/XX/23. And they told me that after they close it on XX/XX/23 and after that they will make a decision as to when to send me the cheque. I am a XXXX and I work hard for that money in these hard times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please check the Payment History, Balance, Date of Last Activity, Date of Last payment and Status information on this account and adjust accordingly. Below is the account that is reporting on my Credit Reports needs to correct as soon as possible : XXXX XXXX XXXX : {$270.00} Late Date XXXX ] XX/XX/22 [ XXXX ]
Product: Student loan

Refuse to work with me on payments. School had closed and they still had me repay. Original lenders sold to them. And their interest rates are way higher and keep going up.
Product: Credit card

I was told I would receive a letter of affidavit showing fraudulent account and did not receive
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and EXPERIAN are obligated by the Privacy Act of 1974 to protect my rights against unwarranted invasions of my privacy. On XX/XX/XXXX for the second time in XXXX XXXX XXXX shared my personal information to include my transactions and experiences to EXPERIAN XXXX which is a third-party company. Experian also shared my data with XXXX which is also a third party company. This reporting is in direct violation of 15 USC 1681a ( 2 ) ( 1 ) and the Privacy Act of 1974. XXXX XXXX and EXPERIAN are liable under the SEC to follow certain rules. XXXX XXXX Commission file number .1-7657. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX ( Trustee ). In addition to this complaint, I will be filing a form 211 treasury omb forms to have my consumer account audited. I am aware that EXPERIAN is securitizing my consumer data, but continues to break the law by sharing my data with third party companies.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting or other personal consumer reports

Dispute of Inaccurate Late Payments on Credit Report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX Team, I am submitting this complaint to dispute the inaccurate or unverifiable reporting of late payments on my credit report related to my account with XXXX XXXX  XXXX ( XXXX ). These late payments are negatively impacting my credit profile and, upon review, I believe they may violate the following federal laws : 1. 15 U.S.C. 1666 ( b ) : This provision requires creditors to investigate billing disputes and correct errors. If the late payments stem from billing inaccuracies, I request that the creditor be required to investigate and address this issue.

2. 15 U.S.C. 1637 ( b ) : Creditor must provide clear and accurate account statements.If the required notice of due dates were unclear or not properly provided, the reported late payments should be corrected.

3. 15 U.S.C. 1681s-2 : Furnishers of credit information are legally obligated to ensure the accuracy of the information they report. If the late payments can not be fully verified as accurate, they must be removed from my credit report.

4. 15 U.S.C. 1681i : Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to request a proper investigation. 

I am requesting CFPB 's assistance to ensure the creditor conducts a proper investigation, verified the accuracy of the reported information and corrects any inaccuracies. 

Thank you for your time and assistance Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX as a result I have debt bondage and have negative items on my credit report that need to be removed per FCRA 605C.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion - I called TransUnion to remove an inquiry that was previously deleted and placed back on my account without proper 5 day notice. The inquiry was placed back on my account on XX/XX/XXXX from XXXX XXXX. 

XXXX & XXXX - I have sent in police reports FTC reports Identification as well as Utility bills to remove incorrect addresses from my XXXX Account and they have yet to be removed after months and several times resending documentation and receiving verbal confirmation that they would be removed. The addresses as well as other info that is inaccurate and needs to be removed is as follows. 

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

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

MACYS/DSNB - Late 30days I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : - XXXX XXXX XXXX ) DEPT OF ED/XXXX  XXXX Balance : - ( XXXX XXXX  ) DEPT OF ED/XXXX XXXX Balance : - ( XXXX XXXX ) DEPT OF ED/XXXX  XXXX Balance : -
Product: Debt collection

I have contacted IQ Collections numerous times stating the debt amount owed is incorrect. They ignored my requests to correct the amount of the debt owed. I filed complaints regarding this on numerous occasions Including ( XXXX and XXXX ). I also called the company on XXXX. I then sent an email directly to XXXX ( supervisor within the company ) on XXXX, XXXX, XXXX, andXX/XX/XXXX. All my emails have gone unanswered.
Product: Debt collection

This Debt was is not owed and listed under XXXX of XXXX and I am on XXXX and all labs are paid for each visit and I talk to lab first and they said all my debt was paid in full, but the collection company Medical Data Systems Inc wo n't take this off my credit report and I have called them to get them to call the creditor and they want do it and I ca n't get them to do their job by checking information correctly because it appears on my credit report.
Product: Credit reporting

These XXXX collections on my record are incorrect and should not be there.
Product: Debt collection

On XX/XX/XXXX Unifund CCR, L.L.C. ( a/k/a Unifund ) contacted me and confirmed that their communication was from a debt collector, and included billing statements from XX/XX/XXXX XX/XX/XXXX. Unifund was attempting to collect a purported {$9900.00} debt owed to Distressed Asset Portfolio III, L.L.C.  who purchased the account from XXXX XXXX XXXX, XXXX. ( i.e., XXXX XXXX XXXX  ). 
On XX/XX/XXXX I spoke with XXXX XXXX in Unifunds XXXX Call Center and explained that on XX/XX/XXXX I filed an Affidavit of Identity Theft, pursuant to 623 ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act [ 15 U.S.C. 61681s-2 ], with XXXX Customer Fraud Protection. 
On XX/XX/XXXX and again on XX/XX/XXXX I wrote Unifund requesting validation that I was the responsible party for the debt to XXXX  XXXX Services ( a/k/a XXXX XXXX XXXX ) and, in turn, to Distressed Asset Portfolio III, L.L.C.,  and/or the debt actually belonged to me. 
On XX/XX/XXXX, I received a letter from Ms. XXXX XXXX XXXX, Unifunds Legal Counsel. The letter merely replicated the same material that Unifund sent on XX/XX/XXXX and failed to produce any contract with my signature but continued demanding payment of {$9900.00} to Distressed Asset Portfolio III, L.L.C. that was being collected by Unifund. 
These repeated demands for an unknown, unvalidated, debt coupled with someone who was purportedly acting as Unifunds attorney was beginning to appear as an extortion rather than a bill collection for a fair debt that was owed. 
On XX/XX/XXXX I received a letter from Unifunds attorney ( i.e., Mr. XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. of XXXX, KY ). Mr. XXXX cited several Federal Court Cases all leading to a continued claim for a {$9900.00} debt that I supposedly owed to Unifund. 
Among the citations Mr. XXXX wrote included : verification of a debt involves nothing more than the debt collector is claiming as owed. If verification only needed to be what a debt collector claims is owed, it would disregard validating if the debtor is the person responsible for the debt versus merely identifying anyone and verify billing statements were sent ( i.e., guilt by accusation ). 
Validating that I was the person responsible for the debt was the issue ; that didnt occur in deference to demanding I pay {$9900.00} to Distressed Asset Portfolio. 
On XX/XX/XXXX Mr. XXXX, representing Unifunds position, sent an e-Mail, where the Subject line read XXXX XXXX XXXX, stating : Mr. XXXX I consider our correspondence on the matters you raised in your several letters and my response letter to be over. However, his phrase was over was undefined, unexplained and/or not specific as to what matter was over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent you a letter regarding inaccurate things on my credit report on but to this day, more than XXXXdays have passed but I still got no response. I was told that FCRA obligates you to investigate these negative items within XXXX days and remove them if nothing is found. Bit it has been more than a month now, and your inaccurate reporting still affects my credit nor I get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX Date breach and my got into hands of the wrong person and it is your obligation to fix these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ) on my credit report. I do not have any idea regarding this fraudulent account on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE it from my credit report immediately.
Product: Credit card or prepaid card

I have a XXXX Master Card through City Bank. Due to Covid-19 and my loss of work from XX/XX/XXXX. I have missed some payments and recently been unable to pay the above card. Before Covid my credit score and my payment history was good. I have been very proactive calling XXXX many times to inform them of my situation. The only help I was offered was a 2-month deferment. The high interest, late fees & other fees increased my balance owing each month. Even if I could pay {$50.00} for example, the next months bill would have interest & fees that were more that what I had paid so my debt continued to climb. I was told by this company that the only way to stop interest charges & fees was to close the account so I did but the interest charges & fees continue. I was receiving many phone calls daily from this companies but with no real help offered. I wrote a letter to XXXX on XX/XX/XXXX and they wrote back still offering no real help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Judgement was placed from XXXX XXXX XXXX  for a proposed loan that exceeded the federal time limit. I requested proof and nothing was provided. Currently judgement is on my credit damaging my credit score.
Product: Checking or savings account

I XXXX XXXX deposited my XXXX XXXX check in my account because he lost his ID he signed the back an then I signed it, once said that they were going to hold the check for ten days to make sure it wasn't a fraud deposit. After the ten days was up the check still was not available even though the funds were deposited, PNC said he was going to have to go and get a id and go to a near brach with me. We did as instructed to do we both went and got his ID, a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and his birth certificate. Well since the ID was a temporary ID that the state of Alabama issues out which is used to open accounts the bank said the were taking the hold off the funds and they would be available in 10 minutes. The next day funds still was on hold and now the bank was asking to wait until originally copy come in then they will release funds. It's been over a year now and once still have the funds on hold but is drawing monthly bank payments from the funds. Is there anyone who can help me get theses funds released because there's no fraud going on which I'm sure PNC knows that but will not release any on the funds.
Product: Checking or savings account

I recently opened up a Chase account approximately 2 weeks ago in New York. I have been having issues with Citibank for years now and I decided to make the switch. I really liked Chase and the accessibility they had all over the world. However, to my dismay, I received a letter in the mail today stating after careful consideration, we have determined that we can no longer support your banking account ( s ) and will be closing it on XX/XX/2018. Im not sure what happened. When they first open a bank account, they go through XXXX XXXX and they check your credit, etc. All of that was clear and my credit was 780+. Im XXXX XXXX in the military and this is going to be my primary bank account and has been routed through my military profile already. Im not sure what I may have done or why they are closing this account but I really need this account as I closed down my other one already. Its really not fair as I have great credit and a high security clearance in the military plus I was in the process putting tens of thousands in the bank. I have an auto loan with Chase whom Ive paid on time perfectly for nearly 4 years now. Honestly, what is going on? I went into my branch today and Chase refuses to release any information to them and the people on their phone lines at XXXX are so rude and disrespectful. They said sorry, you can never open an account with Chase again. If that is true, and if that is how Chase Americas primarily bank decides to treat XXXX XXXX military, then Im going to file a lawsuit in small claims court. Because its a blind-eye discriminatory policy which theyre not disclosing and it severely impacts peoples finances and family health. I serve this country, and now I have to fight to keep money safe into a bank account? Are you serious? Please fix this Chase.
Product: Debt collection

To Whom It May Concern, I hope this message finds you well. I am writing to formally dispute the information provided regarding the account held by XXXX XXXX XXXX, which was originally associated with XXXX XXXX XXXX XXXX XXXX The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$560.00} Balance Updated : XX/XX/2023 Status : Not Specified Past Due Amount : {$560.00} I am disputing the accuracy and validity of this account for the following reasons : Lack of Clarity : The provided account information lacks clear and comprehensive details about the nature of the debt, the transactions, and any associated terms. Without this information, it is difficult for me to verify the accuracy of the reported account. 

Timeliness of Reporting : The account was reportedly opened on XX/XX/2023, and updated in XX/XX/2023. I find it puzzling that this account could have been opened, updated, and incurred a past due amount within such a short span of time. 

Lack of Documentation : I have not received any communication or documentation from either XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX  regarding this alleged debt. It is imperative that I am provided with proper verification and documentation of this debt 's existence and validity. 

Discrepancy in Balance : The reported balance of {$560.00} does not correspond to any known transactions or financial activities on my part. I would appreciate a detailed breakdown of how this balance was calculated. 

Given the discrepancies and lack of substantiated information, I am requesting a thorough investigation into this matter. I kindly request that you provide me with the following : Validation of Debt : Please provide documented evidence that validates the existence and legitimacy of the debt in question. 

Detailed Account Information : Provide a comprehensive breakdown of the account activity, including any transactions, payments, and changes in status. 

Terms and Agreement : Furnish a copy of the original agreement and terms between myself and XXXX XXXX XXXX XXXX XXXX  that would support the validity of this account. 

Proof of Ownership : Demonstrate proof that XXXX XXXX XXXX has the legal authority to collect this alleged debt. 

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute and provision of the requested information is greatly appreciated. Please consider this letter as an official request for verification under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 609. 

I look forward to a timely resolution of this dispute and the subsequent correction of any inaccuracies on my credit report. Please provide all correspondence in writing to the address associated with this account. 

Thank you for your cooperation.