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

I wrote the company letting them know to verify a public record that is on my credit report. They claim to have verified the information with the provider of the information, which they listed on my credit report as the contact if I had any issues. The provider of Information is the United States Bankruptcy Court. I contacted them with my concerns and they said noone has contacted them to challenge my records made public by the court. They said whatever information the company has, did not come from them. They did say if any information is incorrect or challenged, that an action should be filed so the information can be evaluated. They said that has not happen and they sent me a letter stating that. I contacted equifax and the agent would not provide me with the method of verification and I am entitled to it according to FCRA laws. I know that my report is incomplete with equifax reporting that the court is the provider of information. Whoever is providing the information is not on my report so that I can challenge them, also the provider of information is not the original provider which is against the law, due to them providing conflicting information and causing a consumer not being able to have equal credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent up to 3 dispute letters to XXXX XXXX XXXX and they have refused to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me old billing statements which is not proper verification of the account. They continue to report this unverified account n my credit company and continue to call and harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I am getting threatening phone calls saying they're going to garnish my wages calling from an attorney 's office and that they were going to threaten the payday loan to court the phone number that they're calling me on is XXXX they called me XX/XX/XXXX around XXXX p.m. I told the representative that that loan was not taken out recently it was taken out many many years ago so it should have already been taken care of and off my credit I did advise the representative that all calls were going to be recorded and she advised me that I'm not recording the phone call I have asked them before to stop calling me and they still are threatening me with this They are saying it is from The Cash store
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. 

The reporting of " bankruptcy '' ( # XXXX ), by all three credit reporting agencies has violated my rights and caused me harm, damage and distress.

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 an 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. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My car was stolen on XX/XX/2018 The car was reported to the police, insurance company and American Credit Acceptance the " lien '' holder. The car was found 5 days later and it was involved in a serious auto collision XXXX my insurance company declared the car totaled out. American Credit Acceptance the lien holder got paid from the insurance company on XX/XX/2018 in the sum total of {$14000.00} Also the ext warranty was cancel by XXXX the auto dealer and XXXX XXXX paid out to American Credit Acceptance they were paid out {$2500.00}. American Credit Acceptance when i called them on XX/XX/2018 they told me i had an overpayment of {$1000.00} and some change I don't remember the exact amount the first rep told me that it will be mailed out to my new address with in 1-2 weeks i said fine thanks I waited 1 week nothing came in the mail I call back talk to another rep they stated the account again has an over payment due to me and it still being in the process he advised it will take 3 more weeks and the payment should be mailed out on XX/XX/XXXX i said ok and waited and i called back again on XX/XX/XXXX no payment was received by me still I talk to a rude lady and she told me I don't know why I keep calling because there is no overpayment on the account and I will never receive my money. I told her i had the proof from XXXX and XXXX and she told me XXXX only gave them {$1500.00} and i asked her where did the other {$1000.00} went and she told me my account was {$0.00} balance but no overpayment I hung up on her out of frustration I have the proof and she the rep called me a liar and every rep i talked to a liar because there is no such payment owed to me very frustrating.
Product: Checking or savings account

On the XXXX of XX/XX/2023 my chime account was totally empty out my savings my credit building account I have been trying everything in my power to receive my funds back..this was my kids account Im begging for help please
Product: Debt collection

This is not my debt it is reporting to all three credit bureaus and the account has been sold to this collection company and it is hurt my credit
Product: Credit reporting or other personal consumer reports

To whom it may concern. 1 ) 15 USC 1681 ( 2 ) ( a ) ( i ) state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer reports ''. 2 ) The IRS defines a Charged off account as Cancelled Debt that you have to pay taxes on. 3 ) Charged off accounts over {$600.00} reporting to your consumer report is TAX FRAUD. IRS states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collection account youre not obligated to pay. Civil liability for willful noncompliance 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater. Remove this account immediately. Account ( XXXX XXXX  )
Product: Checking or savings account

I have been calling truist department they have been transferring from one department back to the other Im tired of going back and forth between departments I just want my funds to be release cause Im done with this bank services
Product: Debt collection

To whom it may concern, I requested information of this alleged Debt with code 15 USC 1692g with a purchase agreement, with a wet signal, with detail charges of items and a chain of title with, forward flow agreement and chain of title with any insurance claims on this alleged debt. Information not sent.
Product: Credit card or prepaid card

I received an email to my husbands email on XX/XX/2022 stating that I was a member with Chime and welcomed me to meet my new account. I have never heard of this Bank and have never applied for an account. The email stated that a Chime XXXX XXXX XXXX was being mailed out to me in a few days and I received that card in the mail this week and the card was in my name. I don't know how they got my name and address as well as my husbands email address which is not my personal email address. I reached out to Chime through the online web site and no one has contacted me to delete this fraud account. I have destroyed the card but i did make a copy of the card to make sure I had the correct information to pass on to the fraud department.
Product: Student loan

Hello, My loan is a XXXX loan. Because of the pandemic, I was under the impression that the payments were halted till XX/XX/2022. The company claims that they are not federal loans, but they are not private! The loan is issued through my school. 

I've made payments ( though not all ), but the company recently sent my debt to collections with almost no warning. I have called both the company and the debt collection company, and they gave me a phone number to my school that was disconnected. I simply want to make my account right and get things on a payment plan ( it is utterly insane that ANYTHING is due IN A GLOBAL PANDEMIC, but I digress, as we live in a country that puts profits over people ). 

How is a student loan companyFOR A FEDERAL XXXX LOANaloud to do this?
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : 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  security freeze
Product: Checking or savings account

In XXXX I opened a XXXX savings account. The purpose of this account was to managed money to be used to settle on a new home on XX/XX/XXXX. Beginning on XX/XX/XXXX I have been trying to have a wire sent to a title company for settlement which is today. I have called at least XXXX times. I have provided all requested documentation. I still have no money. My account balance is roughly XXXX XXXXXXXX. The wire requested is for XXXX  XXXX. 
My account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX, USDOE/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 an account without my written instructions.

I have never been applied for a US Education loan ; I need this account to be investigated and removed from my credit reports.
Product: Checking or savings account

I received a notice from Chase Bank stating we have decided to end our relationship, Since receipt of the notice I called the phone number listed on the account to find out the reason for the closure, and was not able to get an answer. I was also told that I will not be able to open any accounts at chase bank in the future. They were not able to tell me why. I have never had a bounced check or failure to pay any charges, I have a balance between the checking/savings/bokerage account of over {$150000.00}. When I asked them about any remedies and the answer was none, they claimed they are the front end of the bank and there is nobody else I can talk to or complain to. I also asked them if there was a consumer agency I could complain to and the answer was again none. 
My gripe is I need to know the reason for closing my accounts, their take is I signed a disclosure that the bank can close my account for any reason. I feel being a minority I am being discriminated.
Product: Debt collection

The company is reporting FRAUDULENT inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents. I never had this account I was a minor when it was opened.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX  XXXX, and portfolio recovery, and other financial institutions. 

# # Demand for XXXX Account Deletion TransUnion has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. 

# # XXXX of XXXX Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : XXXX. The failure of these financial institutions to issue required XXXX forms for allegedly canceled debts. 
XXXX. The continued reporting of these accounts despite the lack of proper documentation. 
XXXX. The sudden deletion of these accounts when pressed for XXXX records. 

# # Demands for XXXX XXXX XXXX. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. 
XXXX. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. 
XXXX. Initiate an investigation into the reporting practices of XXXX  XXXX, portfolio recovery and other involved institutions. 
XXXX. Provide written confirmation of these actions within XXXX business days. 

# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX may constitute : XXXX. Negligent or willful noncompliance with the FCRA XXXX. Complicity in the financial institutions ' fraudulent practices XXXX. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : XXXX. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) XXXX. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees XXXX. Seeking punitive damages for willful noncompliance Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates , LLC bought a charged off account from XXXX XXXX XXXX  and contacted me and offered me to " pay to delete '' the account. I paid it and the account was never deleted, Portfolio Recovery Associates stated that XXXX XXXX XXXX  did not update the information with XXXX Credit Bureau and so they do not have the ownership necessary to delete it, the previous owner of the account XXXX XXXX XXXX stated that there is nothing they can do about it. 
Portfolio Recovery Associates provided me a letter stating that the debit is pad and the account should be deleted. 
I submitted this letter to the XXXX credit bureau and they deleted the account in two days. 
Please find the letter attached
Product: Credit reporting or other personal consumer reports

I have requested to have my address updated XXXX times with Experian, and the latest date was on XXXX and they still haven't updated my report. I sent my driver 's license and a bill but to no avail. I spoke with a representative on XXXX named XXXX and she refused to update my address even though she showed they received the documents I sent under USPS tracking XXXX XXXXXXXX.
Product: Debt collection

I enrolled for a one-month personal training program at XXXXXXXX XXXX XXXXXXXX and paid for the month in advance. However, they contacted me insisting that I signed up for a XXXX package, which I never agreed to. Despite my attempts to dispute this with the company, they refused to listen and sent the supposed debt of {$2400.00} to collections. Unfortunately, the collections agency has been unresponsive to my dispute and has resorted to harassing me through phone calls and mail.
Product: Credit reporting or other personal consumer reports

I sent my first letter asking all three credit to reinvestigate accounts that was false on my credit report that was not approves/authorize, credit bureaus sent back my account was verified, so I sent another letter asking can they provide me with answered on how my account was verified and never received info back because I dont know what they fixed when I look at my account everything still messed up. Credit bureaus was suppose to get back to me In 15 days and they did not. I asked them to Delete this account from credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.
Product: Credit card

One day ( XXXX XXXX XXXX a transaction of {$2000.00} appeared in my account that I did not authorize. The merchant was international and I had never heard of them before. I opened a dispute online thinking that the dispute was to report fraudulent activity. 

I later was told by Discover that they had received my dispute " as goods not received ''. This was completely wrong and I fixed the issue with the customer service by fixing the dispute XXXX XXXX XXXX XXXX XXXX XXXX Everything seemed to be okay. I got a letter in the mail XXXX XXXX XXXX XXXX  saying the investigation was over and I was not responsible for the transaction. 

However, Discover months later reinstates the transaction in my account even though they told me the investigation was over and I was not responsible. This is not legal nor transparent. Discover wouldn't give me their " evidence '' on how they reached to the new conclusion after firstly telling me I was not responsible. 

I am guessing they were hoping I would be careless and just pay the balance without noticing. How can I be charged something I did not approve? I will close my account with Discover, they say they have customer protection but they by far are not doing anything to protect their customers. Worst experience ever.
Product: Credit reporting or other personal consumer reports

did not recieve my refund of {$140.00} recieved the email confirming that due to me
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the following companies for what I believe to be harassment, potential violations of my consumer rights, and misuse of legal and communication practices : Midland Credit Management Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Complaint : Harassment through Frequent Calls : These companies have been calling me relentlessly, often daily, regarding alleged debts. Their persistent communication is causing significant stress and disruption to my life. 
Unlawful Legal Action : I recently learned that these companies filed a lawsuit against me in a state where I no longer reside. I was unaware of this lawsuit because I was not properly served with notice at my current address. A family member informed me that local police were contacted regarding this issue, which has caused me further distress and embarrassment.

Potential Violations of Federal Law : Under 15 USC 1681 ( a ) ( 3 ) of the Fair Credit Reporting Act and other applicable federal laws, I believe these companies may have engaged in improper practices, including : Harassment via excessive communication.

Filing lawsuits in improper jurisdictions, which appears to be a form of venue abuse.

Failing to provide me with adequate notice of their actions or validate the debts as required by law.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX