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

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by XXXX as accurate. 
However, upon closer inspection, I have identified several inconsistencies that are grounds for deletion : Incorrect Information : The account status listed on my credit report by XXXX contains incorrect information. Specifically, the incorrect payment status. 
Inconsistent Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( TransUnion, XXXX, and XXXX ). For instance : TransUnion reports the account as paid as agreed. 
XXXX reports the account as paid. 
XXXX reports the account as paid 60 days past due. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel XXXX to delete the incorrect and inconsistent account from my credit report. 
The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt as per 15 USC 1692g ( a ) ( 1 ) and 15 USC 1692g ( a ) ( 2 ).

Please provide the following information regarding this account : Account # XXXX Date Opened XX/XX/year> Balance Owed {$5900.00} 1. The name of the original creditor associated with this account.

2. The amount of the alleged debt and a breakdown of how this amount was calculated.

I am specifically requesting validation of the amount of the alleged debt, in accordance with 15 USC 1692g ( a ) ( 1 ). Additionally, I demand that you provide me with the name of the creditor associated with this account, as required by 15 USC 1692g ( a ) ( 2 ). 

The information currently reported on my credit file lacks sufficient detail to verify the accuracy and legitimacy of this debt. Therefore, it is imperative that you provide the requested documentation to validate the debt. 

Please note that failure to validate this debt within the timeframe prescribed by law will result in further action being taken to protect my rights under the FDCPA, including but not limited to disputing the accuracy of this item with the credit reporting agencies and seeking legal counsel. 

I expect a prompt response to this dispute within 30 days from the date of this letter. Your cooperation in resolving this matter is greatly appreciated.
Product: Debt collection

I am not liable for this debt with XXXX XXXX  and I do not have a contract with RADIUS GLOBAL SOLUTION plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$52.00}
Product: Money transfer, virtual currency, or money service

I was promised a job and training with the company XXXX XXXX XXXX. They said they would need to get me started with computers and programs and applications that cost money. They sent me a check of {$9600.00} and they said the only way to get the supplies was to deposit the check into my account. Which I did at an ATM connected to XXXX called XXXX in XXXX installments because the amounts were so high. They are Sequence XXXX XXXX XXXX XXXX XXXX for {$5000.00} ; Sequence XXXX XXXX XXXX XXXX XXXX for {$2000.00} ; and Sequence XXXX XXXX XXXX XXXX XXXXXXXX for {$2100.00}. I sent the money thinking I was going to get computers, apps, and programs for my new job because Wells Fargo said I had deposit availability of {$2500.00} available immediately, while the rest of the money {$7100.00} was available XXXX. So, I thought everything went through. I then got a warning on my card that said I was overdrafted and that the check noted as : XXXX counterfeit check XXXX XXXX w/o XX/XX/XXXX SVC XXXX XXXX XXXX was posted to my account. Wells Fargo did not warn me until it was too late and I already deposited and used the funds. I thought I had the money in my account because they said I did at the time. There are XXXX claims I have with them : XXXX XXXXXXXX for the high dollar amount and the other one is a {$500.00} claim with XXXX at XXXX XXXXXXXX. I called up Wells Fargo and let them know everything, even the check number. I just received XXXX new checks in the mail from the same distributor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX with amounts of {$4900.00} check XXXX XXXXXXXX and {$4800.00} check XXXX XXXXXXXX. Please help! My accounts are overdrawn and I lost my checking and savings over this.
Product: Credit card

Per the Privacy Act of 1974 and the Fair Credit Reporting Act, 15 USC 1681b, 604 Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates, 15 USC 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

As well as 15 USC 6802 Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

As a federally protected consumer, I am now and in the future opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal as per 15 USC 6802.
Product: Debt collection

On XX/XX/2018, Merchant & Medical Credit Corporation , Inc. reported a fraudulent account to XXXX  credit bureau. After numerous attempts to have the account removed from XXXX, I've been forced to file a complaint with CFPB. I've sent a copy of my police report to Merchant & Medical Credit Corporation , Inc. to prove that the account is fraudulent. I'm a victim of identity theft.
Product: Credit card

I called Bank of America to get a ( a new ) credit card promotion. I have an account with them now. I wanted to lower my interest rate and my minimum payment that is going up on XXXX 2016. I wanted to transfer the present credit card balance to a 0 interest rate. I was told I could n't to that because they will not transfer an existing Bank of America credit card account I also was told of my new minimum payment which would be more than I could afford.I told the lady that she did n't give me a resolution! I am very upset with Bank of America. As soon as I can I will close this account. Is there anything that you can do to help me?
Product: Mortgage

I lost my home to wrong doing foreclosure now want to submit a claim for settlement
Product: Credit reporting or other personal consumer reports

Those inquiries attached on my account are irrelevant to me, I am requesting you to do a thorough investigations and I will provide supporting documents for fastest actions.
Product: Debt collection

I asked for the amount owed, One debt is XXXX dollars or less. They said the other debt was XXXX however I already made a payment of XXXX which means the debt is below XXXX and shouldn't be reporting on any of my credit reports. Collection account needs to be removed from XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/ a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a XXXX dollar credit card was used and left a XXXX dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

As I described in my complaint from XX/XX/XXXX ( and this happened again on XX/XX/XXXX ), American Financial Resources ( via their loan servicer XXXX ) do not accept additional principal payments payments exceeding 20 % of the current outstanding balance. This is a violation of my mortgage terms. 

1 ) They responded - they claim this is because of the risk of " the funds being returned as non-sufficient funds ''. This is absurd, because they would accept {$10000.00} payment if the balance on my loan was {$50000.00}, but not if the balance on my loan is {$10000.00}. The risk for them is exactly the same in both cases, so they clearly have other reasons for this policy. 

2 ) They advise to mail them a check instead. I tried doing that about a year ago, using my online banking. They consistently misapplied my additional principal payments as my next monthly payment, so I do n't have much confidence in this workaround they are suggesting. 

3 ) Their web site just gives the error message " Additional principal must not exceed 20 % of the current principal balance '', without any explanation or a mention of the other ways to make this payment. 

I think CFPB should demand that the bank and their loan servicer change their policy and abandon this limitation on additional principal payments.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

A bank account I had opened with XXXX BANK over 10 years ago had reported on my credit that I owe them {$300.00} and the account has now gone into collections and has been reported on my credit. I have never received any bills, payment options, a fee schedule, or ANY type of notice that I owed this money, or that it was in any way outstanding. I check my credit once a year, and considering this account was closed over 10 years ago, I think it 's ludicrous I 'm just seeing it on my credit now, and as " in collections ''. I was NEVER notified that I owed this money, or that I had occurred any fees. I still even have the card in my possession. I believe the bank is committing fraud toward this account, because i was NEVER notified in writing of owing anything.
Product: Bank account or service

I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by XX/XX/XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer.
Product: Student loan

I have Navient and got the loans for school but I became injured and am now  XXXX , I kept putting the loan into deferment. I Recently lost my husband in  may  of this year and ca n't afford to pay  it.I  a living month to month.I have sent in letters and they just keep sending bills.I just can not afford it.
Product: Credit reporting or other personal consumer reports

Ally discharged my car, repossessed my car, I got it back and still made all payments. Once they discharged my car, I did not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received info stating that these accounts were verified please send verification of the steps yiu took to verify this information according to15 U.S. Code 1681i - Procedure in case of disputed accuracy 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.15 U.S. Code 1681i - Procedure in case of disputed accuracy for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the negative account balance on my account with Regions Bank, which has been a direct result of a scam I fell victim to involving the crypto company, XXXX. I believe that the circumstances surrounding this unfortunate incident warrant a thorough investigation and resolution. 

I have been a loyal customer of Regions Bank for [ number of years ], and I have always valued the professionalism and reliability of your services. However, the recent events involving XXXX have severely affected my financial well-being and have had a direct impact on my small business operations. 

Firstly, for your reference, I have attached relevant documentation, including news articles and legal filings, which highlight the fact that XXXX has been sued by the United States Secretary. These legal actions demonstrate the fraudulent nature of XXXX 's operations, and as a result, I have not only lost a significant amount of money, but my account balance has also been driven into a negative status. 

The negative balance has had devastating consequences for my small business. It has impeded my ability to meet crucial financial obligations, such as paying suppliers and employees. Furthermore, the financial hardship caused by this situation has even impacted my personal life, as my beloved grandmother recently passed away, and I am unable to afford the necessary expenses to attend her funeral. This has caused immense emotional distress and hardship for me and my family during an already difficult time. 

I kindly request the following actions to be taken in order to resolve this matter : 1. Conduct a detailed investigation into the fraudulent activities of XXXX, and acknowledge the impact it has had on my account balance. 

2. Waive any associated fees or penalties resulting from the negative balance caused by the scam.

3. Provide immediate reimbursement of the funds lost due to the scam, allowing me to restore my account balance to its original state.

4. Consider providing necessary financial assistance or a temporary extension of credit to help alleviate the strain on my small business during this challenging period. 

I understand that Regions Bank takes the security and satisfaction of its customers seriously, and I trust that you will thoroughly investigate this matter. I have complete faith in your ability to rectify this unfortunate situation promptly and amicably. 

I kindly request a timely response within 2 days to ensure that I can make necessary arrangements for my grandmother 's funeral and begin restoring stability to my small business. In the event that a resolution is not achieved at this level, I will be forced to explore alternative options to protect my rights and seek the assistance of regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to a positive resolution and the restoration of my trust in Regions Bank. 

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

How many times do I need to tell you that this is not my account. It was been removed and now reinserted without even notifying me? This isn't fair. I felt I am being ignored and taken advantage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. 
So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 
They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative 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 whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given right 15 USC 1681. 

According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is modifying my disputes in order for the investigation to fall in their favor! Rather than remove the inaccurate information that wasnt reported in a timely manner. 
The cfpb has been notified of the fraud on several occasions & have not acted & if they did act nothing has changed which makes them criminally & civilly liable as well being they have jurisdiction over these matters. At this point the credit bureaus are the identity thieves! Ive found out how my identity has been compromised, I have records through the cfpb notifying them how XXXX is disputing accounts that are in good standing on my credit file that they have no history of me every disputing, therefore destroying my financial reputation etc.XXXX  has put me through financial hardship & I seek relief