23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I sent Credit Bureau Associates a debt validation letter, in which they received on XX/XX/2020 at XXXX XXXX requesting debt validation for two collection accounts they are actively reporting on both my XXXX and XXXX credit reports. They responded with a vague billing summary that did not include any information to validate the debt. The amounts do not match the amount reporting on my credit reports, there is no breakdown of fees, as well as having a line at the bottom of the billing summary which states, " Total Charge Outstanding as of XX/XX/2020 {$0.00} '' ( the {$0.00} amount is listed in all three payment columns ). I subsequently followed up with another debt validation on XX/XX/2020, in which they received on XX/XX/2020 at XXXX XXXX. To date they have not responded to my request. By not responding and not validating this alleged debt Credit Bureau Associates have not only violated my rights under the Fair Debt Collection Practices, but also violated my rights under HIPAA.
Product: Debt collection

I have a collection on my account from a collection company ERC who claims they are collecting on behalf of XXXX XXXX XXXX. I have never had Services with XXXX XXXX XXXX. I contacted them and was informed that they don't have anything on record for me having a bill. I informed them that a collection is on my account in the amount of XXXX. I was informed to submit a complaint and file a dispute with ERC. I sent ERC a letter asking for PROPER validation and I got back the paper work that's included and doesn't make sense.They sent me what appears to be a billing statement from XX/XX/2013 that does not have account details. This collection is bogus and I want it immediately removed from my reports.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for failing to respond to a dispute letter I sent via USPS Certified Mail tracking # XXXX on XX/XX/year>. In this letter, I requested an investigation into multiple inaccuracies on my credit report, as well as corrections to incorrect personal information. According to USPS tracking, Equifax received the letter on XX/XX/year>. 
Despite the critical nature of these inaccuracies and their impact on my creditworthiness, Equifax has failed to respond or provide investigation results. This inaction is concerning and frustrating, affecting my ability to access credit and other financial services. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and provide results within 30 days of receiving a dispute. Equifaxs failure to meet this deadline is a clear violation of federal law. I am including a copy of my dispute letter sent to Equifax and USPS certified mail proof of delivery as evidence to support my claim.
Product: Checking or savings account

I recieved a notice from ChimeXXXX XXXX  that my joint tax refund would not be released into my account until I provided verifying documents. I provided the documents and still have recieved no further information or a deposit. They have no problem with my or my husbands paychecks depositing or my student loans of financial aid refunds. But they refuse to release my tax return. They are holding $ XXXX of my money and refuse to process it or send it back to the IRS
Product: Credit reporting or other personal consumer reports

I don't have any information about these inquiries, and the company did them without my permission. Please remove them.
Product: Credit card or prepaid card

I went to use my XXXX  XXXX credit card last week for a XXXX dollar purchase and was declined. I was confused because I just paid the balance off of around XXXX dollars. Call customer care and said they sent a letter XXXX XXXX which I never received and told me she access the info on why it was closed.. I never closed it.
Product: Credit reporting

For most of my life, i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and negative source who is saying. And to keep responses and when it was sent.
Product: Credit reporting or other personal consumer reports

I am contacting XXXX XXXX XXXX to request a thorough review and verification of information reported on my credit file by their company. I have identified several discrepancies in my credit report that I believe require immediate attention. Below are the details of the accounts in question : XXXX XXXX XXXX ( Account XXXX ) Issue Identified : This account is marked as Collection with a balance of {$1100.00} and {$490.00}. Payment history for XXXX  indicates continuous collection status, but the underlying original creditor details are unclear. 


Request : Validate this debt with the original creditor information. 
Provide records of how this balance was calculated and confirm ownership of the account.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX Name : Truist Financial Corp Routing Number : XXXX Account/Product Type : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC Country : United States Email Address : Phone Number : XXXX Maintenance charges of {$300.00} per year were added to my checking account after BBT//SunTrust merger transition dated XXXX after claiming no change in fees. These {$300.00} of charges were made without my authorization. Truist bank also reactivated a closed account with a XXXX balance from 8 years prior ( XXXX ) and sent me collection notice for {$59.00} including a {$30.00} fee.
Product: Credit reporting or other personal consumer reports

I opened a secured " credit builder '' loan with XXXX XXXX reflected on my Equifax file. The full amount of the {$1000.00} Original Balance was never received up front to me directly. A portion of this amount was available to me. {$400.00} or so. Then the rest, I made payments and at the end of the 12 month term, I would have access to the balance in it's entirety. I never received the other {$600.00} and XXXX XXXX has continued to report inaccurate information on my credit file. Status : Account charged off. {$960.00} written off. {$110.00} past due as of XX/XX/XXXX. How are you able to write off an amount of {$960.00} when the past due balance was {$110.00}? The original Balance for this secured loan was {$1000.00}. Again, those funds were never received in the full amount at the beginning of this loan as this was a " secured loan '', not a secured credit card, but a " secured loan ''. Equifax reports in my 24-month payment history that the month of XX/XX/XXXX and XX/XX/XXXX the account remained in a " charged off '' status. How is it possible to remain in a charged off status when the last payment date is stated to be XX/XX/XXXX? This is inaccurate information reported. Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only one ( Experian ) but this information has been left on the back end reporting for a company called ( Experian Rent Bureau ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.
Product: Debt collection

I own a business and got hurt. I was unable to pay the bill XXXX XXXX has charged off the debt I owed and sold the paper to 3 other collections XXXX XXXX XXXX which harassed me and cursed me out and sent my information and called all my family members and told lies. Then, the Law office of XXXX XXXX called XXXX XXXX were sending me texts message to myself and my family members stating I committed a felony crime and shut my DMV so I can register vehicles. Now, Global Solution Biz, LLC are calling threatening, using crazy Rhetoric about XXXX filing which has already been done telling what I need to do and stop complaining and need to pay my bills. Im taking medication for this matter because of the depressed and anxiety state they and XXXX XXXX has placed me in at this time. PLEASE HELP ME!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.
Product: Credit card

I am writing to formally dispute a charge of {$1100.00} that appeared on my Discover card statement on XX/XX/year>. Upon noticing this charge, I immediately contacted Discover 's fraud department to report it and file a claim. However, my concerns have not been adequately addressed, leading to my continued frustration and confusion regarding this matter. 
On that day, I received a text message ( see below ) prompting me to log into my XXXX account to pay {$0.00} for postage related to a delivery. Given my frequent online shopping, I believed the message to be legitimate. I entered my Discover card information and received a notification ( see below ) asking me to authorize a charge. Importantly, the Discover alert clearly shows " XXXX '' as the sender, which should indicate that I was misled and scammed, as I did not authorize any charges to XXXX. It did not specify the merchant as XXXX or indicate the charge amount of {$1100.00}. Had I known the true nature of this charge, I would not have authorized it. 
During my discussions with both the fraud and billing departments, I attempted to provide evidence supporting my claim, including screenshots of the messages I received. Unfortunately, I was informed that my authorization of the charge made me responsible, yet my evidence has not been reviewed because I just received another letter from Discover card, stating, " Based on our records, your dispute was previously investigated and resolved. They didn't even review the screen shots I sent them with a letter explaining the whole story!
Product: Vehicle loan or lease

I leased a new car in XXXX in XXXX. Lease was through Chase Auto Finance for 3 years. During the 3 years, I moved back to XXXX and registered my car with the state of XXXX as goldenrod, since I didn't have the title. Lease ended in XXXX, and I switched to a loan through Chase Auto Finance. Loan was paid off in full, early, around XXXX. I did receive lien release letters from Chase stating that the amount was paid in full. Never received a title document. In XX/XX/XXXX I contacted Chase Auto about receiving my title document. They stated that it was something the XXXX DMV should have done electronically, but that they would resend me the lien release letter so that I had a copy of it for my records. They said they would contact Texas to resend a copy. I never received anything. XX/XX/XXXX, I contacted Chase again asking for my title. They said they looked into it -- that Chase did everything they were supposed to but that XXXX  DMV sent it to the wrong address. Chase rep said he was talking to XXXX DMV, updated my address, and resubmitted forms to send me a duplicate title. Chase rep said wait 30 days and contact them if you don't receive anything. I contacted XXXX DMV via email and they stated there was no record of any contact from Chase, no titles requested, nothing mailed out ( see email from XX/XX/XXXX ). I then submitted my own paperwork requesting a duplicate title from XXXX DMV, using Chase Auto lien release letter. On XX/XX/XXXX I received a letter back from DMV stating " We are unable to process your request for the following reason ( s ) : This vehicle appears to be a leased vehicle. '' After this, I contacted Chase Auto again on XX/XX/XXXX and spoke to Escalation Department. Asked for my title again. I was told that he would send it to the lease to loan department to open a case. He told me that documents were requested from XXXX DMV again in XXXX, but I have not received anything. I asked for a case number or point of contact for this case, and I was told that they can not provide that to me. I asked for a timeframe or date on which to expect my title, and I was again told that they can not provide this to me. It has now been over 2 years since my loan was paid in full, that I have no title document in my name and Chase is refusing or incapable of producing a title document. This prevents me from registering the car in my name or selling it if I desire to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a dollar and cancelled my membership the same day I was still charged XXXX a month. I called and cancelled again they charged me again and again A complete waste of money. The only way to cancel is to call and the estimated wait time is over an HOUR. There is no way to cancel online.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding an auto loan reported on my credit file by XXXX XXXX XXXX XXXX. Despite my repeated attempts to dispute this account, it continues to be verified by the credit reporting agencies. I have provided evidence directly to XXXX, which clearly demonstrates the inaccuracies in their reporting, yet they have failed to take appropriate action to delete the erroneous information. 

Furthermore, it has come to my attention that XXXX XXXX XXXX XXXX has recently been involved in violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate information provided to credit reporting agencies. This raises serious concerns about the accuracy and integrity of their reporting practices. 

I hereby request that the Consumer Financial Protection Bureau intervene in this matter and ensure that the credit bureaus promptly removes the disputed account from my credit file. Enclosed with this letter is a copy of the correspondence I received from XXXX, which further substantiates my claim. 

I trust that the Consumer Financial Protection Bureau will investigate this dispute thoroughly and take appropriate action to rectify the situation. Your prompt attention to this matter. 

account # XXXX balance {$10000.00}
Product: Credit reporting or other personal consumer reports

national credit management dinged my credit for a fee from XXXXXXXX XXXX XXXX XXXX for like XXXX. this was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus XXXX experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Product: Money transfer, virtual currency, or money service

did a wire transfer from Bank of America XXXX to XXXX XXXX. XXXX. 
its been two weeks and recipient still does not have the money credited to their account. 
Contacted Bank of America Wireroom to track it. it turns out the funds were held up for a week at an intermediate bank, XXXX finally released to XXXX. I contacted Bank of America Disputes department an asked for the transaction to be cancelled. He told me once the money reaches the other bank, they can only request the money back, and that doesn't always work. it's unbelievable that these banks can do this with my money and I basically have no recourse
Product: Credit card or prepaid card

They cancelled my account based on I did not response to their email .The problem is they sent it to my unsecured personal email account for personal information. I thought is a fishing email so I deleted it. NO FINANCIAL INSTITUTE SEND UNSECURED MESSAGES FOR PERSONAL INFORMATION. I like to found out why they do not send the requests with secure message through my on line account. 
I have requested the closure letter at least twice, I have not received the letter yet, please have them to send to me the letter as they promised.
Product: Mortgage

I am submitting a complaint against Ocwen for failing to fulfill their commitment to proceed with the short sale of my primary residence. 

I am requesting a short sale of my primary residence. I have XXXX mortgages. The XXXX position mortgage is with XXXX and the XXXX position mortgage is with Ocwen. My representatives for the Short Sale are XXXX XXXX and XXXX XXXX with XXXX XXXX. 

My representatives contacted Ocwen on my behalf to request a short sale. Ocwen initially denied my short sale request. However, after further negotiations, Ocwen verbally indicated they would honor a short sale should we obtain HAFA approval with CitiMortgage. We have since secured HAFA approval with CitiMortgage. However, Ocwen is now denying the short sale.
Product: Debt collection

Years ago I was never informed of the debt and I have no contract with budget control for {$160.00} and want it removed immediately from my credit report Thx for getting this bad damage to me fixed in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit agencies, collection companies, all expected to supply accurate information in a timely fashion. there should be no reason why information taking longer than 30 days should be acceptable. Legally 30 days is the legal timeframe. there simply needs to be an agency that actually holds these companies accountable. the following cases should be removed from my credit report. ( XXXX XXXX XXXX XXXX  / Act. # XXXX ) and following CFPB Disputes : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at I sent certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that EXPERIAN used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. Out of 16 requests for verification of accounts. ZERO items were deleted. I requested for EXPERIAN to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. I received written communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. I received the same results as the previous EXPERIAN communication. FCRA requires EXPERIAN to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EXPERIAN received and used to verify the information being reported and maintained in my file. EXPERIAN must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).