23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

BANK OF AMERICA HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. 
IT WAS CHARGED OFF AND SENT TO XXXX AND B OF A AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE B OF A. 2009. 
THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. 
XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue for about XXXX  years now. I have by order of a non-jury trial. Finding in my favor that this case shall be dismissed without prejudice. i have filed complaints with credit bureau. Returning with after they investigated the issue that i am still responsible for this debt. This is negatively impacting my credit scores and my ability to qualify for a better mortgage. This debt is held with XXXX XXXX XXXX. My latest correspondence with this company was on XX/XX/year>. 

This information is on all of my credit reports. XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am personally writing this complaint. My consumer report shows that I have a collection account from XXXX XXXX which is now owned by XXXX XXXX, account number XXXX. This is in CLEAR violation of federal HIPPA laws as well as the FCRA. 15 USC 1681b ( g ) 1 ( A ) A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless the consumer affirmatively consents to the furnishing of the report ; AND this is in clear violation of 15 USC 1681 c ( a ) 6 which states, " ..reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services. '' They are describing the nature of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to furnish Previously Disputed unauthorized non public confidential Consumer account information. Child Support and XXXX accounts are adversely effecting my Consumer Report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Breach of Personal Information Notification Dear TransUnion Dispute Department, I am writing to formally address a serious concern regarding the unauthorized sharing of my personal information without my consent, as defined under Section 18.2-186.6 of the Virginia Code . 

It has come to my attention that there has been a breach of the security of your system, which involves the unauthorized access and acquisition of unencrypted and unredacted computerized data that compromises the security or confidentiality of my personal information. This situation not only violates my privacy rights but also poses a significant risk of identity theft and other forms of fraud.

As a resident of the Commonwealth, I am deeply troubled by the potential consequences of this breach. I request a detailed explanation regarding how my information was accessed, the specific data that may have been compromised, and the measures being taken to rectify this situation. Additionally, I would appreciate information on how you plan to notify affected individuals as required by law. I will continue to file complaints with the CFPB, FTC until this account is removed from my credit report. Your company has ignored all of my disputes, and reporting misleading information. 

I expect a prompt response to this matter, as it is crucial for me to understand the steps being taken to protect my personal information and prevent further unauthorized access. 

Thank you for your attention to this urgent matter. I look forward to your swift reply. 

Sincerely,
Product: Debt collection

On XX/XX/2021, I wrote to The Bureaus Inc disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any XXXX XXXX XXXX. 

On XX/XX/2021, I received a letter back from The Bureaus Inc, stating that they had received my letter requesting debt validation and they provided a summary of the debt and attached credit card statements showing purchase ( what happened to privacy? ). 

On XX/XX/2021, I responded back to The Bureaus Inc, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I received a return receipt signed that The Bureaus Inc received my letter on the XX/XX/2021 

As of today, XX/XX/2021, I have not heard back from The Bureaus Inc, and they are still reporting the collection account on my Credit Report. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract and nothing has been provided. I need your help resolving this as I'm not getting anywhere with this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting or other personal consumer reports

The collection agency fail to verify this debt by providing the original contract and a copy of my original signature. The agency name is credit control llc. Phone number XXXX XXXX. This company bought the debt from XXXX XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX, I wired fund to InComm to purchase multiple prepaid XXXX XXXX credit cards. Each card holds {$2500.00} in value. I kept these cards in my drawer to give to my parents on special occasions in the future. On XX/XX/XXXX, I found out someone used the card information on two of these XXXX cards and purchased items in New York , New Jersey and Pennsylvania area in XX/XX/XXXX. 

On the third card, this criminal spent {$1800.00} in XXXX through XXXX, XXXX, only to leave a balance of {$670.00}. XXXX XXXX card put a hold on the card for some inexplicable reason. I called XXXX XXXX and sent a letter to InComm to request a replacement card for the remaining balance of {$670.00} to my apartment in XXXX XXXX. 

In total, I lost {$6800.00}. First two cards were used to purchase clothing and jewelry items from XXXX in XXXX, XXXX  in XXXX XXXX, and the third card was used at XXXX XXXX in XXXX, NJ, and XXXX  in XXXX XXXX. 

I called these venders, but they all said XXXX XXXX has to call them in order for them to release any information on the purchase details leading to the arrest of the criminals who fraudulently used my cards. I also spoked to a detective in XXXX who advised me to report the loss to XXXX. XXXX gave me the transaction ID numbers on each purchase, but the vendors won't release any information on the items purchased or who purchased these items. 

On XX/XX/XXXX, I reported the loss to XXXX ( Case Number XXXX ), but since the cards were pre-paid gift cards, the case is reported as Grand Theft. 

XXXX XXXX XXXX InComm would not make any effort to contact the venders for the disputed purchases on my behalf. The criminals are out there using other people 's card information to make these purchases, causing significant financial loss, and continue to engage in these crimes without being caught by law enforcement authorities. There are ways to catch these criminals by tracking down purchases, but XXXX XXXX XXXX InComm wouldn't help. There has to be a way to stop these crimes. XXXX XXXX / InComms inability to contact the vendors to obtain information leading to the arrest of these criminals make me and everyone I talked to so far suspect that XXXX XXXX XXXX InComm may be involved in these crimes. Or, someone working at XXXX XXXX XXXX InComm can easily obtain personal / card information to make unauthorized purchases. I cant imagine the magnitude of financial damage that had been caused to many innocent citizens like myself.
Product: Credit reporting or other personal consumer reports

I obtained my credit report from you and there were XXXX XXXX Bankruptcy XXXX items listed. Per the FCRA XXXX ( a ) ( XXXX ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 
XXXX XXXX Recorder of Deeds and the Bankruptcy XXXX have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the XXXX XXXX XXXX XXXX PRIVACY LAW. 
My inquiry to XXXX XXXX Recorder of Deeds and XXXX XXXX Bankruptcy XXXX confirmed Equifax XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax XXXX and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that NCB MANAGEMENT would verify the debt. So I took it upon myself to ask NCB MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

The reason why I am asking for your help in this matter is in XX/XX/XXXX I have decided to check my credit report from all three credit bureau And as I was checking I notices I have 3 debt in collection with XXXX that are not mine so I did a online dispute .I was asked to sent in personal information so I did ..I notices that XXXX have not taken any action in remove those debt off my credit report. XX/XX/XXXX, Collection {$5100.00}, I have dispute it.
XX/XX/XXXX, Collection {$570.00}, I have dispute it XX/XX/XXXX, Collection {$250.00}, i have dispute it
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from Equifax Upon reviewing my report, I found several errors that I believe require immediate correction. The items in question are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. 

I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written confirmation of the outcome within 30 days, as required by law. If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 



Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. 

Thank you for your immediate attention to this matter. 

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

These items are not transactions conducted by me as a consumer. 

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 # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX 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 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 card

On XX/XX/year>, I checked my accounts & noticed my XXXX XXXX credit cards were closed. I immediately called Chase customer service & was told that it was due to a Chase employee making a complaint about me & that I would be getting a letter in the mail. 

I remembered an interaction with a Chase employee on XX/XX/year> at my local Chase branch in XXXX  who was unhelpful, rude & condescending. I can not believe Chase would close my accounts before giving me notice & hearing my side of what happened, or that Chase would take such drastic action of closing the accounts of a customer with whom they have had decades of a relationship without any previous issues. 

I contacted Chases Reconsideration Dept. Customer Service in XX/XX/year> & was told that the decision is final. The supervisor at that Dept. would not provide me with a name, title or Dept. to which I could take this matter further. I asked whether I could speak to someone else on Monday, XX/XX/year>, but she said it wouldnt make a difference, that Corporate had made the decision, there was no one higher to take it up with & that the decision is final.

Again, my credit cards were closed without me getting any notice of same & without contacting me for my side of the story. I have been a Chase customer for over 2 decades & can not believe the disrespectful treatment I am receiving as a long standing customer who has many accounts with Chase now & in the past, & has given Chase years of banking business. I have had a great relationship with Chase employees in the past & can name the employees I have built a relationship with over the years As I advised Chase, I would like my accounts reinstated as soon as possible. There may have been a misunderstanding but Chases employee was extremely patronizing & unprofessional. I have had an over 2 decades long relationship with Chase & I am extremely surprised by this unexpected, unwarranted & unprofessional action from Chase.
Product: Checking or savings account

on XX/XX/2020 a XXXX  payment was made to XXXX, little did we know that this would be a scammer but once we found out we went to the bank immediately and reported it. But Chase was unable to assist us, when I place my money in the bank I am expecting 100000 % security that if something goes wrong they have my full support if not dont provide me a service that doesn't guarentee protection. I called XXXX and they are investigating but Chase couldn't do anything for fraud on my account. {$500.00} lost my husband unemployed due to Covid and I can't afford lost money. I find this to be unacceptable.
Product: Debt collection

Midland credit management Does not have the right nor do these company obtain the a legal license to collect in newyork state they have damaged my credit by fraudulently attempting to collect debts in a state that they do not obtain a license to collect from this has caused extreme mental stress from these illegal actions
Product: Credit card

I was in store purchasing items when the person at the register offered a store credit card which I declined. There was never usage on the account. This has been on my credit for 8 years now.
Product: Checking or savings account

I have contacted this agency before about this problem and chime is still been a very severe problem You have not helped me at all in this I'm going to have to write to my congressman to resolve this agency I'm going to continue writing to you until I get reimbursed by chime They owe me {$570.00} for something that was unauthorized by me They have not solved this issue they've refused to talk to me and have closed my account I am going to continually go after them until I am reimbursed for my money. Also chime has a treasury check from from the treasury department for {$1200.00} and they refuse to send it back to the treasury department I called them and ask him about the check they have not found this check They don't know where this thing or know anything about this This is XX/XX/XXXX this check was supposedly deposited into a chime account and they still have not yet sent this check back to the treasure department So this check will not be getting to me because the Treasury department needs to send back before I can get this check and chime is doing this on purpose to harm me because they know that I'm coming after them. 
Chime is done everything possible to make my life miserable because they owe me {$570.00} from something that I did not authorize If it was authorized you ask them where was the delivery of this because I never got any delivery of anything from this amount I'm going to continually come after them and sue them for all the harm they've done to me I want that {$1200.00} sent back to the treasure department and I want to sue Chime and I will come after the consumer Financial Protection board right to my congressman that this agency should be dissolved because they don't do anything to help anything They have no power to do anything with the banks and have no power to help people that have a problem with banks This agency should be dissolved and I'm writing my congressman and I'm going to have my friends right to the Congressman to this office agency and I hope you people all end up out of jobs because you've done nothing to help me. I want action on this I'm fed up with a consumer Financial Protection board I am fed up with chime and I want to come after them and sue them for I hope for every XXXX XXXX that they have I want this {$1200.00} check delivered back to the Treasury department
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several accounts with TransUnion over and over that show improper information where they are continuously showing them as Charged Off monthly and they continue to update it and change information. This is falsely manipulating the statute of limitations.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX 
XX/XX/XXXX account came back verified, Not properly investigated.
Product: Debt collection

This debt collection is related to a disputed water bill with the City of XXXX. The original dispute was filed in XXXX and has not been resolved. Timeline of the dispute is : Bill disputed was XXXX/XXXX/XXXX Original dispute was sent via e-mail and phone call XXXX/XXXX/XXXX Told to contact department via phone which I did. Was told to wait while the bill was disputed XXXX/XXXX/XXXX - Sent e-mail that the bill was being review by billing department Follow up sent on XXXX/XXXX/XXXX E-mail received from watershed management on XXXX/XXXX/XXXX informing that the " Your account has been expedited to a Customer Service Manager for further review. Once your account has been reviewed you will receive an e-mail with the results '' Another follow up sent on XXXX/XXXX/XXXX Left property on XXXX/XXXX/XXXX Collection filed by the City of XXXX on XXXX/XXXX/XXXX. Did not receive notice of collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX i found an account from XXXX XXXX XXXX, XXXX that does n't belong to me on my credit report.