23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX NATIONAL CREDIT AUDIT, a company I do not have any commercial or other contracts with operating in commerce, placed a derogatory collection on credit profile without my prior consent or knowledge.This company whom I do not know did not contact me prior to give me a chance to dispute this alleged debt before placing it on my credit report. I did not notice this until XX/XX/XXXX. I sent a letter dated XX/XX/XXXX, to NATIONAL CREDIT AUDIT ( see attachments ) having them to validate the depute debt pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They never responded. Due to COVID-19 my second letter ( notarized by a Public Notary ) dated XX/XX/XXXX, and a third letter Dates XX/XX/XXXX. Each time I sent a letter I placed the previous letter from letters in that package. See attachments, I do have a Certificate of Service for all these letters.

NATIONAL CREDIT AUDIT, failed to contact me prior to reporting alleged debt, failed to provide validation that the allege debt is mine, respond in a time manner, failed to provide Certificate of Service where the attempted to contact me ( prior and during dispute ), failed to give me the persons name who did the calculations, failed to show that whomever did the calculations was knowledgeable in that process, and what systems they used to calculate the debt. Most importantly they failed to show the contract I signed with them NATIONAL CREDIT AUDIT.The alleged amount they say I owe is {$4400.00}.
Product: Checking or savings account

On XX/XX/XXXX my father and I went into the bank at Citi bank to withdraw cash from his savings account. We noticed that the amount of money in his account did not match what it was supposed to be and after looking at my fathers banking and transaction history we saw multiple ATM deposits that were not from him. The money totaled more than {$24000.00}. We filed a fraud and identity theft complaint with them and received a new debit card for the account. On XX/XX/XXXX my father went back to the back wondering why his money wasn't returned to his account. They had not given us any previous updates even after we told them we wanted police involved because this was a large amount of money. The worker at the bank informed my dad that they did not find the case that we had to be a case of identity theft and fraud and told him that the multiple ATM withdraws were part of his normal banking pattern history. This statement is false because my father does not use ATMs and throughout his entire banking history it was shown that there had never been any ATM withdraws until the dates we told them that wasn't us. He filed for an appeal on XX/XX/XXXX and waited for results on that but were not updated. I opened up an online banking account on my phone so that I could help my father manage his money when I noticed that even after we had gotten a new card and filed a complaint these ATM withdraws were still happening and I immediately froze his account. The money totaled up to another {$15000.00}. We immediately went to the local police station to file and identity theft and fraud report. The next morning I called the number under Citi bank to again report the theft and fraud which we did and then I asked them for an update on the appeal. We were given the same answers which was that the ATM withdraws were a part of his normal banking history which I reiterated to them was not true and that our next steps are to file a lawsuit until we receive this money back. When money almost adding up to {$40000.00} is withdrawn from your account and its not you that is a huge concern to us as now the bank account is almost completely drained. We have opened up another appeal for the previous cases and are again waiting on an update which they have never been forthcoming in giving us.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX XXXX Credit Bureau has completed their investigation as a result of proper online disputes. However, after attempting to communicate these same findings to XXXX and Transunion, they have been negligent and in violation of the Fair and Accurate Credit Transactions Act of XXXX ( 15 USC chapter 41, subchapter. I 1601 et seq ). 
The following are said accounts:1 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, {$690.00} Reported Balance, 70 % Credit Utilization, XXXX Late Payments, 3YRS 4MOS Age of Account ; 2 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} Reported Balance, 93 % Credit Utilization, XXXX Late Payments, 2YRS 5MOS Age of Account ; XXXX ) XXXX XXXX XXXX XXXX, {$230.00} Reported Balance, 79 % Credit Utilization, XXXX Late Payments, 1YRS 9MOS Age of Account. I have also disputed with XXXX and Transunion the inaccuracy of my personal identification information being reported, after requesting for these to be removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof investigation. These are the accounts I've marked as inaccurate ( XXXX XXXX XXXX ), ( XXXXXXXX XXXX XXXX XXXX  ) and ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX IN RESPONSE TO CFPB : XXXX REQUEST TO UPDATE ADDRESS To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXXXXXX XXXX  THESE PHONE NUMBERS DO NO BELONG TO ME : ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have one fraudulent account and inquiries appearing on my credit report. 

Account : XXXXXXXX XXXX {$1800.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00XXXX XXXX XXXX XXXX XXXX  Balance : {$300.00XXXX XXXX XXXX XXXX Balance : {$610.00}
Product: Credit reporting or other personal consumer reports

I am writing to you with extreme frustration and concern regarding the persistent presence of late, closed, and charge-off accounts on my credit report. I have made several attempts to dispute these items, yet they remain on my credit file, severely impacting my financial well-being and opportunities. I demand immediate action to rectify this situation. 

I first initiated this dispute, and it has been an ongoing struggle for a months without resolution. Despite providing substantial evidence to support my claims and numerous follow-ups, I have not seen any significant progress in resolving this issue. 

These inaccuracies on my credit report are causing substantial harm to my financial life. They have significantly lowered my credit score, thereby limiting my ability to access loans, mortgages, and other financial services. It is my right as a consumer to have an accurate and fair representation of my credit history. 

I insist that you treat this matter with the utmost seriousness and urgency. I am experiencing ongoing difficulties due to these inaccuracies, and it is essential that you promptly take action to correct the situation. I request the following : Immediate, thorough, and unbiased investigation of the late, closed, and charge-off accounts in question. 
Regular updates on the progress of the investigation. 
Prompt removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may lead to legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute attempts. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the late closed and charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance : {$11000.00} - You are reporting inaccurate information for this particular account. A charge-off account should show XXXX balance. Remove the balance indicated, change it to XXXX and delete this account promptly. 

XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.
Product: Mortgage

Sent initial payment and payment was not accepted, Now they want to charge double. And add late fees for their mistake. It is two months now and they have accepted payments.
Product: Credit card or prepaid card

I initially filed a dispute because I was dissatisfied with the merchants service. I cancelled my account with them and asked for a refund to which they replied it is nonrefundable. I filed thr dispute at the end of XXXX of this year. They were filed as separate claims for each transaction even though it was the same merchant. I kept having to go back and forth with the claims department due to the disorganization of the claims. They accepted two of my claims and then denied the rest, even though it was for the exact same thing with the exact same merchant. Their ultimate reasoning was that they don't interfere in gambling transactions. So I filed an appeal because it wasn't a gambling transaction. I gave them the relevant parts of the websites terms and conditions showing that it was a sweepstakes and gaming site. One agent in the claims department apologized to me saying they didn't handle the case properly and that he would escalate the appeal and that the merchants response was not strong so I should win the cases. That wasn't the case. I got an email today saying that they are still not going to help me with the my claim because they don't deal with gambling charges. So despite me showing and proving to them that it's a sweepstakes site. They took the easy way out and refused to do anything about it. What confuses me is that two of claims out of the XXXX are actually being disputed, why they couldn't work on the other ones is unclear to me since it's all the same merchant. Additionally it is illegal to gamble online in most states and I'm not in one of the states that allows online gambling anyway, so even if I wanted to gamble I couldn't. They are accusing me of lying saying it's a gambling site when the sites own terms and conditions show it's sweepstakes and games and that you can get free entries to the sweepstakes mailing requests in, no purchase necessary. That's not how gambling sites work. I am extremely upset because I've been working with them for over two months now and it's not even on chump change. One person says one thing and gets my hopes up then they deny it. This has happened like 3 times. I've been a customer with them for 11 years now and they won't even help me with something like this.
Product: Checking or savings account

I am writing to formally complain about a significant issue I have experienced with Chase Bank, concerning the freezing and subsequent closure of my bank account, and the prolonged delay in the return of my funds. 

In XXXX of last year, during a high volume of personal transactions due to relocating and preparing for the new school year like renting house, getting deposit from previous landlord, and purchasing second hand used furnitures from individuals, which caused many transactions. Chase Bank froze my account without providing a specific reason. They informed me that an investigation would be conducted and that it might take up to three months. Furthermore, they stated that following the investigation, the account would be closed and any funds would be returned to me via check. 

It has now been over six months since the closure of my account, and I have yet to receive the check for my balance, which exceeds {$5800.00}. This situation has severely impacted my financial stability, affecting my ability to manage daily expenses and academic commitments. 

Despite repeated attempts to resolve this issue with Chase Bank, there has been minimal communication and no satisfactory explanation or evidence provided as to why my account was subject to such action. The delay in returning my funds and the lack of transparency are not only inconvenient but also distressing. 

Given these circumstances, I urge the Consumer Financial Protection Bureau to intervene on my behalf to expedite the investigation and the return of my funds. I am seeking your assistance to hold Chase Bank accountable and to ensure such practices are scrutinized to prevent undue hardship on others.
Product: Credit reporting

I have disputed XXXX numerous times in the last 12 months. I have stated that the information is inaccurate and invalid and should be removed. Equifax continues to state that it has verified account XXXX yet XXXX BANK XXXX XXXX XXXX XXXX SD XXXX says in a letter dated XXXX XXXX 2016 That they have no account on their records with this account number. I would like either Equifax to provide proof of the information it VERIFIED or to remove and delete this inaccurate information according to the Fair Credit Reporting Act. 

I also have enclosed a copy of XXXX of my Equifax Credit reports saying they can verify this information along with the letter saying XXXX XXXX XXXX can not verify account XXXX
Product: Debt collection

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, 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. 
ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX Month/Year of Late Payment : XX/XX/year> XX/XX/year> The following inquiry needs to be removed immediately : 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
Product: Credit card

XXXX XXXX XXXX- I disputed this charge as I was entitled to a {$100.00} refund, but the company did not issue it. I explained the situation and filed a dispute, but it was approved for {$7.00} refund when this was the amount I was supposed to have paid in total. I called back to specify this was not what I requested a couple weeks later. The agent could see a mistake was made and put a note in my file for review. However, after months, I have not been contacted about the remaining part of my dispute
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2017 , I made a payment in the amount of {$70.00} t o Synchnrony B ank via their online system. I used the same banking information I had previous utilized for past payments. After I completed the transaction I was not provided with a confirmation number, and the page froze. I waited to see if the page would refresh itself, and it did not. I then minimized the screen and opened up anot her window to go back to the website. I was unable to get back into the website after 3 attempts. I then opened up the smaller screen to see if there was activity on the page, and the screen has turned blank. This is an ongoing issue with the website for the company. On more than one occasi on the website has experienced a glitch during payment, or has failed to respond to commands. On  XXXX   XXXX , I received a notification  of a 30day late pa yment from Synchrony bank posted to my credit report. I checked my bank account to see if the transaction had posted to my account and it did. I immediately called Synchrony Bank but was told nothing could be done to assist, the payment was not in there system and that another payment could be made, yet the late charge would not be removed from my credit profile.  <P/> I am in the process of purchasing a home for my son and I. I am a single hardworking mother that strives to pay all of my obligations on time on a monthly basis. I experienced a  XXXX  point loss on my credit profile due to the technical difficulties of the company, and I was simply brushed off with a pacifying " I apologize ''. I have had this account for over 1 year and have experienced the most difficult representatives in customer service out of all of my accounts. This inacurrate and negative item has halted my homebuying process and has caused severe emotional distress in my life. Every month there is a different issue with this account, the fees attached and the way the account is being billed.It is never consistent.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of my XXXX  XXXX account ( Account # : XXXX ) on my credit report. This is my second dispute regarding this issue, as no changes have been made since my initial request submitted on XX/XX/XXXX. 
Details of the Disputed Account Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Paid Date Opened : XX/XX/XXXXXXXX  Credit Limit : {$500.00} Balance : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXXXXXX  Disputed Late Payments I noticed that two late payments are inaccurately reported for this account : XX/XX/XXXX XX/XX/XXXX These payments were made on time. The reporting of late payments is inaccurate and negatively affects my credit report. I am requesting that you confirm the account status remains " Paid As Agreed Never Late '' and ensure that no errors exist in your records. 
Request for Investigation and Documentation Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I kindly request : A detailed description of the investigation process used to verify this account 's information. 
Documentation of the evidence supporting the reporting of late payments. 
If you can not provide verifiable proof of the alleged late payments, I request that the account be updated to reflect its accurate status as " Paid As Agreed Never Late. '' Attachments For your convenience, I have included the following : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my address. 
A copy of my current credit report showing the account in question. 
Thank you for your prompt attention to this matter. Please respond within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma said I was pre approved for credit cards and then I applied to multiple just to get denied