23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Trying to be brief : however this has been going on for a year and a half. I bought a product while in XXXX XXXX XXXX. I received a phone alert asking me to confirm or deny - I clicked do not pay, because I wanted to check the company out first. Next day I tried calling the merchants contact XXXX - XXXX contact said they had no idea who these people were. I tried contacting all merchant contact information, but got no responses. I Immediately contacted Chase credit card and the Chase representative asked me questions and said they should be no problem. Three weeks later I received confirmation from Chase and they removed the charge from my statement. About three months later I received a call from an XXXX office from Chase fraud department - they said they were changing departments from fraud to disputes. They gave me contact information for Chase - which turned out to be incorrect - and they also said this should be no problem, you wo n't have to pay. I have repeatedly written, faxed, called and emailed Chase - as well as visiting a local branch and speaking to many representatives as well as the branch manager. I can not get through - nor could any chase representative - to the department that makes the decisions to uphold a dispute or deny the dispute. Evidently, this is a back-office department and they can not be reached for questioning ; I simply want to know what information they have at hand and what criteria they are using to make their decision. They have sent a letter of denial, but there is no way for me to know the criteria they used and what information they are basing their denial of claim on. In light of the fact that the merchant can not be contacted by me or chase, I feel this must have been a mistake made by Chase Bank. I have done everything I could to protect Chase bank, but they are not doing their job. I have continued to write and speak with people for the past year, but still I am being charged - now for the interest on the account. 
I have probably over XXXX pages of notes of my letters/emails/phone calls and responses over the past year and a half. The responses are circuitous in nature and it looks like they are simply cut and pasted replies to my communications. I have yet to speak to anyone who can answer my simple questions : who can I speak with that is actually responsible for decision-making? What criteria is the decision-maker utilizing to deny this claim? And what information are they utilizing to make their decision? Why can I not get a response from the executive office or the person who made this decision?
Product: Debt collection

NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AND INTENT TO SUE DELETE IMMEDIATELY XX/XX/XXXX UNITED REVENUE PLAINTIFF : XXXX XXXX DEFENDANT : UNITED REVENUE XXXX XXXX : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX. 
RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX 
ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$950.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX XXXXXXXX XXXX XXXXXXXX XXXX DEBT COLLECTOR HIPPA LAW VIOLATOR SUIT BONDS THEFT STOP VIOLATING THE FDCPA USC 1692D EXHIBIT XXXX XXXX XXXX : EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW. 
XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT PREJUDICE without recourse BENEFICARY OF acct : XXXX XXXX NOT THE TRUSTEE
Product: Debt collection

I am a victim of identity fraud and my information was misused to get several accounts including this one account with XXXX XXXX. I sent over numerous documentation stating that this is n't my account and they still are reporting this as my debt and they 've hired a collection agency to attempt to collect a debt that is n't mine. I have even told them to send over proof. They have sent over a contract from an attorney, that shows forged signature and will not put me in contact with the representative that witnessed this signature. This is n't my fraudulent account and this company still has n't tried to look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my FTC REPORT and Credit letter off on XX/XX/2022 to TransUnion. I told TransUnion to remove 3 fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking number : XXXX. 

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. My credit report needs to reflect the deleted the above accounts
Product: Credit card

I was approved for an American Express XXXX XXXX which is a rewards travel credit card on XX/XX/2023. The main reason I applied for the card was because of the rewards benefits which advertised that I would receive XXXX point for each dollar of regular purchases and XXXX the number of points for purchases in the travel and transit categories. After having the card for 4 months, I have noticed that I am not receiving the XXXX points for travel and transit categories that I should have earned. I reached out to the company by chat and the representative admitted that I was correct! She confirmed that I was not receiving the XXXX the number of points for the travel and transit categories which I was making purchases in. She even noticed that I was not receiving points for other purchases I made. She said she would file an investigation but the issue was never fixed and when I tried to follow up again with the company, I was not given any information or assistance. 

I feel I have been lied to and I would not have paid the {$150.00} annual fee for the card if I was not going to receive the rewards points as advertised since I intended to use them for travel benefits. 

In addition to this, I was promised a {$200.00} statement credit which I never received.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX  Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is the company. 

They have confused my identity information and blocked the credit profile with them and noted it as a fraud alert. I started XX/XX/XXXX calling, speaking to people, faxing, and mailing. When we spoke to Equifax on XX/XX/XXXX and they told me all we needed was to create a profile with them which I did with them. Then on XX/XX/XXXX when our mortgage company said the problem was not fixed I spoke to Equifax again and they told me to send a cover letter, copy of license, and copy of social security card. I first faxed them the required documents to verify my identity XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We mailed the paper work XX/XX/XXXX regular mail and sent it certified mail that arrived XX/XX/XXXX @ XXXX. Weve called countless times throughout this time to verify that they received it these documents and to find out when they would resolve it. Weve had their employees say that they were still waiting on the documents and others saying that they did not have them after they told us they did and after it was sent certified. Weve also tried speaking to supervisors but they also been just as unhelpful in resolving this frustrating issue as we need this removed to buy a home.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and incomplete information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I have identified numerous inaccuracies and items that do not belong to me. I request that these items be investigated and either corrected or removed promptly, as required under Section 611 of the FCRA. 

Under the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, per XXXX XXXX XXXX, information providers are prohibited from furnishing data to consumer reporting agencies that they know, or have reasonable cause to believe, is inaccurate. I am, therefore, disputing the following accounts as they are either incomplete, inaccurate, or not mine : # # # Accounts in Dispute : XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXXXXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

# # # Accounts Not XXXX to XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX  - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX  - Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX  - Account Numbers : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX are not mine. Please remove them from my report. 

Please promptly investigate these inaccuracies and provide me with a written response detailing the results of your investigation. I also request that you send me an updated copy of my credit report once these items have been corrected or removed. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Upgraded Citicard to platinum card. Company never closed account on regular card even after 3 phone calls to fix each time being told account was closed. Account was never closed then had an old recurring charge of {$60.00} and 4-5 months of {$40.00} late fees even though I never received any billing statements. During this time used and paid {$31000.00} on new upgraded account with ebilling and paying off entire balance each months. How can Citicard take my money on one account then never bill me, charge me 2 times charge amount in late fees, then report me to credit bureaus as 90 days late. Complete lack of follow through closing old account by Citicard.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has again illegally and unlawfully and maliciously reported an inaccuracy on my credit file with XXXX. You can see from the attached report screenshot that XXXX is Maliciously reporting a payment THAT WAS NEVER PAID in XX/XX/2022, This is a Closed account and payments are not being made to this account..
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally advise you of the deletion of an account from my XXXX credit report and to request that the corresponding charge-off account be deleted from my credit reports with the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ). The account in question, which was a XXXX XXXX XXXX charge-off, was disputed and subsequently deleted from my XXXX credit report after an investigation was completed on XX/XX/year>. 
Given that XXXX has completely deleted this account from my credit file, I respectfully request that XXXX, XXXX, and TransUnion take the same action. The information associated with this account is now verified as inaccurate and can not be substantiated with documentation. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, any information that can not be verified must be removed from the credit report. The FCRA clearly protects consumers from having unverifiable or incorrect information impact their creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I request that the unverifiable XXXX XXXX XXXX charge-off account be deleted from my credit report with your agency within 30 days of receiving this letter. Failure to do so within this timeframe would be a violation of my consumer rights under the FCRA. 
As outlined under Section 611 of the FCRA, if an item is not verifiable after an investigation, it must be removed. If the credit reporting agencies do not delete the unverifiable debt, I am aware that I have the right to take legal action, including but not limited to pursuing claims for damages. I also reserve the right to take any additional legal recourse available to me, including reporting the violation to the CFPB and potentially filing a lawsuit for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 
Please confirm the deletion of this account in writing within 30 days, or if the information is still being reported, kindly provide a complete and accurate response substantiating the debt. 

I look forward to your prompt attention to this matter. 

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

I have requested a re-investigation of the accounts listed below with a letter dated XX/XX/2024 from XXXX & have not received a response. Upon pulling a copy of my credit report I noticed for the accounts listed some inaccuracies and I would like you to conduct a re-investigation and want the accounts verified and validated. If the account is validated and verified who validated and verified this information. What is the name of the person & their title? Please provide proof of the certifying information. It is your job to ensure the furnisher of this information is reporting correct and accurate information. 

Accounts : XXXX XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX  has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. *THIS IS A DIFFERENT CASE, SEE ATTACHMENTS. DO NOT MARK AS DUPLICATE. * I tried to get it investigated via mail on XX/XX/2023, however, TransUnion only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. XXXX did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Product: Credit reporting or other personal consumer reports

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within XXXX  days of this complaint. I demand to be compensated as well for pain and suffering.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX XX/XX/2023 In Re of Truist Bank Account # XXXX Amount Taken XXXX Dear Sir/Madam, I am writing this letter to report a serious concern related to an unauthorized garnishment of my bank account by Truist Bank on behalf of XXXX XXXX XXXX 

The garnishment was carried out based on an out-of-state judgement. However, I was never served with this judgement, nor was it domesticated in my home state as required by law. I am unaware of the details of this case or why my account has been targeted for garnishment. The sudden and unauthorized deduction has caused significant financial hardship and distress. 



This action by Truist Bank has not only financially impaired me but has also left me unable to mount a legal defense due to lack of funds. This has effectively left me vulnerable to a judgement that I have not been properly made aware of or had the opportunity to contest. 

Based on some information that trust provided it appeared to be a Texas Debt Collection Agency representing XXXX XXXX XXXX  who is not licensed to transact in the state of Florida and furthermore XXXX XXXXXXXX has never done business in the state of Texas. Hence the requirement of domestication must be met but has not. 

Furthermore, despite numerous attempts to communicate with the bank, they have refused access to the garnished funds without providing a valid court order. I find this situation deeply troubling as it has created an imbalance of power and has denied me due process. 

I am therefore requesting your urgent intervention to investigate this matter and to provide guidance on the necessary steps that need to be taken to rectify this situation. I trust that the Consumer Financial Protection Bureau will consider this matter with the gravity it deserves and help ensure that my rights as a consumer are protected. 

Thank you in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX