23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX  ( Report Number : XXXX ) Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate and misleading information being reported by XXXX  on my credit report. The details of the account are as follows : Details of the Disputed Account : Account Name : XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Repossession ( {$8100.00} past due as of XX/XX/XXXX ) Original Balance : {$18000.00} This account contains several inaccuracies and reporting issues that violate federal credit reporting standards. 

Grounds for Dispute : XXXX. XXXX XXXX : The account status indicates a repossession dating back to XX/XX/XXXX, yet the payment history lists ongoing repossession statuses through XX/XX/XXXX. This creates a misleading representation of the account. Under 15 U.S.C. 1681s-2, creditors are required to furnish accurate and consistent data.

2. Inconsistent Payment History : The payment history redundantly lists repossession for multiple months ( e.g., XX/XX/XXXX, XX/XX/XXXX, and prior months ), creating confusion and potential over-reporting of derogatory marks. This redundant reporting must be corrected. 

3. Validation of Debt and Balance : The current balance of {$8100.00} is inconsistent with prior communications regarding the debt. XXXX has not provided adequate documentation to validate the amount owed, as required by 15 U.S.C. 1681i.

4. Failure to Correct Prior Dispute : This account was previously disputed, as noted in the reinvestigation details dated XX/XX/XXXX. However, XXXX failed to fully address or correct the inaccuracies identified in the dispute, violating the Fair Credit Reporting Act ( FCRA ). 

Requested Resolution : 1. Remove Duplicate Repossession Entries : Correct the payment history to eliminate redundant repossession statuses for months following the initial repossession in XX/XX/XXXX. 

2. Validate th

e Debt and Balance : Provide a detailed validation of the {$8100.00} balance, including a breakdown of charges, payments, and fees. If the debt can not be validated, delete the account entirely from my credit report. 3. Ensure Compliance with FCRA : Verify tha
t all reporting related to this account complies with federal regulations, including the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ).

4. Amend Credit Reporting : Update the accounts reporting to accurately reflect its status and remove any redundant or misleading information.

I am requesting the CFPBs assistance in investigating this matter and ensuring that DriveTime/Bridgecrest complies with its legal obligations. Please confirm receipt of this dispute and provide updates regarding your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$840.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. 
This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 { b } that your claim is disputed and validation is requested. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : - What the money you say I owe you is for? 
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable. 
- Identify the original creditor. 
- Prove the Statute of Limitations has not expired on this account.

- Show me that you are licensed to collect in my state.

- Provide me with your license numbers and Registered Agent of Service.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } requests shall be sent to me immediately.

If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } requests shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.
Product: Credit card or prepaid card

I discovered when I applied for credit for a new phone with XXXX that my Credit Report has been breached. Someone opened a PayPal credit card account in my name. He has my name, address, e-mail address, phone number, etc. He added an address to my Credit Report profile : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX ) which is not mine, a name was added to the credit report profile : XXXX, a telephone number I have no knowledge of was added : ( XXXX ) and he changed my birthyear from XXXX to XXXX. I requested all the Credit Reporting Agencies delete those changes. I filed a dispute with XXXX, XXXX and XXXX which were denied because he had all the correct information about me to successfully apply for the PayPal Credit Card in my name. I called PayPal 3 times and requested they close the credit card. Credit limit was {$8000.00} and the Balance on the card was {$4500.00}. There was also a closed account on my Credit Report for XXXX and XXXX that was not mine. There were multiple inquiries on my credit report for which I had no relationship or knowledge. I do not have a card number nor a mailing address for this credit card.
Product: Bank account or service

TD Bank credited my account XXXX $ that were bank over-draft charges as a result of fraudulent activity on XXXX/XXXX/15. On XXXX/XXXX/15 I contacted the bank to ensure that the funds had been returned to the account and that the ACH was denied. On XXXX/XXXX/15 I stopped into the branch to obtain a letter to provide documentation to an outside entity that the issue was resolved. TD Bank sent a letter stating that the case was closed and found in my favor. On XXXX/XXXX/15 they reversed the credit, in addition, charged me XXXX over draft fees for their credit reversal since they processed them separately. After 30 minutes with a representative, they stated that they will expedite the un-doing of the reversal, however, I continue to incur fees from their XXXX $ debit for purchases that were already made.
Product: Debt collection

The alleged debt account that was reported to all three credit bureaus is no longer on my credit report and its currently updated right now and i don't know where the alleged debt has come from. I have paid the balance in full on my behalf from what I know of. According to your information that you have gathered, I am a victim of identity theft and I am currently serving notice to this collection agency that is attempting to collect a debt from the original creditor which is I XXXX, XXXX XXXX and I do not validate this debt.
Product: Checking or savings account

My account was hacked and the hackers ruined my bank account. My card was stolen and they stole {$1100.00} from the atm from my account. They also deposited fake checks and the bank is making me pay for it. The amounts were {$130.00} for four different fake checks. Also, they charged back my rent which was in the amount of {$1100.00} and they charged back my insurance payment twice which was {$300.00} per transaction so {$600.00} total. They then proceeded to XXXX XXXX themselves the rent and insurance that they disputed through XXXX XXXX and stole it. They XXXX XXXX themselves {$1200.00} one time then the next time it was {$420.00}
Product: Debt collection

On XX/XX/2022, a letter was sent to the company to request verification of the debt. No response was received. Amounts {$1000.00}, {$21.00}, {$180.00}, {$27.00}, {$25.00}, {$100.00}, {$56.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to address my dispute in a timely manner even though I have informed them that the outstanding balance of my credit report is inaccurate.
Product: Mortgage

I had submitted a previous complaint regarding the servicing company, on my mortgage, not reflecting payments that had been made which is affecting my credit history, credit score and the balance on my mortgage. ( as there are late charges and interest continuing to accrue ) The company did respond to the CFPB inquiry and sent a  copy to me. I responded to their request on XX/XX/2019 with copies of all of the checks that they had requested to verify that I was NOT behind on the mortgage and the account, as well as, my credit report should be corrected. As of today, XX/XX/XXXX, I am still getting calls from the servicing company stating that I am STILL behind and when I ask to speak to a supervisor I am told that they show that I sent " something '' into them but do not know what it was that I sent. Now ... .another year of interest, late charges, late payments, etc have been added to my account that shouldn't have been.
Product: Credit reporting or other personal consumer reports

A hard inquiry on behalf on XXXX XXXX  XXXX  by EXPERIAN BUSINESS CREDIT dated XX/XX/23 is reporting to consumer reporting agencies. I received no disclosures for this hard inquiry.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT 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.

Its a violation of my Rights!!! 
XX/XX/2024 to XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a text XXXX about an unauthorized purchase. Once declined person named XXXX called at XXXX posed, as a XXXX XXXX XXXX fraud. They convinced me to wire transfer {$9500.00} wire transfer from my XXXX XXXX  XXXX XXXX to Truist account ending in XXXX. This was done on XX/XX/year> around XXXXXXXX XXXX EST. 

I did contact XXXX XXXX XXXXXXXX Fraud and placed a claim with them. 

I called XXXX XXXX but not remembering the account information there was nothing they can do at this time.
Product: Payday loan, title loan, or personal loan

American Credit Financial XXXX, Georgia contact me threatening to come to my place of employment. I have not received anything in the mail these pass two years about the loan from XXXX XXXX. Then all of a sudden I get a threatening message about coming to my job or home being served with papers and going to jail. So due to these threats I was scared about the security of my job so I paid them XXXX by phone. To find out later this place is a scam.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable.
Product: Credit reporting or other personal consumer reports

With in seconds of each other Experian closes one complaint while working on another which both HAVE THE SAME PROBLEM WHICH YOU REFUSE TO FIX UNLESS I PAY YOU, EXTORTION, EXTORTION, EXTORTION
Product: Credit card

So I paid off my total balance of the Capital One Venture X card and I closed the card account. I thought that it was all that I needed to do. Then I found out I was charged interest on purchases but there were no purchases made after I paid off the card. Then I was assessed a late fee and then another interest charge. I paid off the XXXX interest charges and the late fee after I explained to them how unfair it was. I got no notice of these interest charges. I had to pay it off because I was worried about my credit score. I want a refund of my interest charge and my late fee. 

XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge {$0.00} > XX/XX/XXXX PAST DUE FEE Fee {$21.00} XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge {$21.00} XXXX XX/XX/XXXX CAPITAL ONE MOBILE PYMT AuthDate XXXX XXXX  Payment - {$8400.00}
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and I noticed things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ 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 is not complete and it's not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

I sent letters on XX/XX/XXXX, asking them to reinvestigate these accounts. 

I got the investigation back but noticed nothing was modified or updated. So, I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 They also violated 15 USC 1681i ( 5 ) Can you look into this matter
Product: Checking or savings account

I opened a new Citi Bank checking account online XX/XX/2022. It was opened online and the banker informed me via phone that if I maintained above XXXX for XXXX days, I would recieve a XXXX bonus. I have maintained balance of XXXX since then. I have called Citi bank customer service XXXX times to resolve the problem. I get a different answer each time. The last customer service rep created a dispute ticket and said I would get an email notification the next day on status of dispute but have not recieved XXXX and that was XXXX weeks ago. 

Here is copy of email, I recieved on XX/XX/2022 after I opened checking account. 
Thank you for enrolling in the New to Citi Checking Cash Bonus Offer Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the New to Citi Checking Cash Bonus Offer. We hope youre enjoying your new Citi checking account. 

As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your XXXX checking account within XXXX  days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account for XXXX days from the XXXX day after account opening. * Balance XXXX Cash BonusXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more {XXXX
Product: Credit card

Only one payment behind and called numerous times daily. When asked to wave late fee, reply is that it is credited on the end of the balance. ( not helping me to catch up the late payment now ).
Product: Debt collection

Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I went into my bank which is Suntrust Bank to withdraw funds from a wire that was from a client for in the amount of {$50000.00}. It was a new account. And Ive had a long relationship with Suntrust with no issues whatsoever until now. They froze my account. Would not tell me why and I had to find out through multiple calls through the wire department. It was because the sender who happened to be my client accidentally sent himself as the beneficiary. XXXX XXXX  has electronically reached out to Suntrust confirming the wire as well as the sender. I was told they are in the process of closing my account and have sent me mail as of XX/XX/21 but I have yet to receive it. Ive requested to have them release my funds as soon as possible but have not been helpful at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... incorrect and INACCURACIES still exist ... clearly the evidence is in black and white... attached is my 3 accounts from Self lender that needs to be deleted immediately for violating my consumer rights!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports XXXX in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 

failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter concerning inaccurate and unknown items on my credit report. Till date and almost 60 days later, I am yet to receive a response back from the bureaus and this is causing me distress as I feel i am being ignored while i suffer with the consequences of the negative items on my report. 

I was a victim of the XXXX breach + the IRS informed me that i was also a victim of Employment related identity theft via XXXX as someone used my SSN to obtain employment. 

I feel that these items on my report are affecting my financial worthiness and costing me alot of money every year as a result of impacting my credit score. I have also filed a complaint with the FTC and the XXXX as none of these items are mine. I demand that they be fixed asap. 
I refuse to continue waiting and being ignored. 
I demand they be removed immediately otherwise i will file litigation. FCRA Section 611 ( a ) is clear that a failure to investigate these items within 30 days requires they remove them from my report immediately. It has been 50 days. I demand that they be deleted asap please.
Product: Debt collection

Reported XXXX XXXX as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
Product: Debt collection

On XX/XX/XXXX, I began receiving notifications from various attorney 's seeking to represent me. The notices stated there was a possible garnishment against, for an account that had been paid and or charged off with the issuance of a XXXX. Prior to receiving the mail from the various attorneys, I had resolved the matter with this creditor over 6 years ago. I had not received any notices from an Attorney representing the credit card company no any notice from the company. So, these actions alone is a violation of the FDCPA. On XX/XX/XXXX, I reached out to XXXX County Magistrate Courts to get the details of the filing. They gave me a filing number XXXX. They provided me with the name of the Attorney who filed the case, XXXX XXXX of Cooling & Winter Law Firm. They stated a garnishment had been filed against me for a ruling dating back to XXXX. REALLY! In 6 years, I have never been contacted by either party and have been diligently working to repair my credit. Not to exclude, I had already resolved the matter with the credit card company and received a XXXX to be filed with the IRS. I am seeking to have this attorney disbarred. Seeking to have this garnishment reversed and any negative reporting REMOVED from my credit report immediately. I am seeking a letter from this firm acknowledging their wrongs and listing their actions to rectify the matter.
Product: Debt collection

While reviewing my credit report XXXX 2017 - I have a debt amount {$1500.00} with Pinnancle/Resurgent. I do not owe this and have NO CONTRACT.
Product: Debt collection

Midland Credit Management continues to make multiple calls to my home on a daily basis, seeking to collect on a debt that belongs to someone else. I have told MCM that I am not the person they are seeking and do not know anything about this person. I have asked them to stop calling my number, which I have had for more than 20 years. The calls continue but when I pick up no one is there.