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

Verification of Debt Ownership : While you state that no transfer of ownership occurred, the burden remains to provide a complete and accurate validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I request the following : A full account history detailing how the balance was calculated. 
Copies of any payments made or charges assessed on this account. 
Proof that XXXX XXXX XXXX remains the lawful owner of this debt. 
Resolution of CFPB Complaint : You mentioned that a prior CFPB complaint was resolved, and I was provided with the " entire file '' at that time. However, I believe the information provided was insufficient to substantiate the debt. If additional documentation exists that supports your clients claim, I request it be sent to me immediately. 

Filing with the Court : You referenced filing the original contract with the court as part of the suit. I request a certified copy of this contract for my records. Furthermore, I want to ensure that the contract includes all pertinent terms and conditions, including those relevant to ownership and assignment, if applicable. 

Violation of Reporting Standards : XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by continually reporting late payments on a charged-off account. Reporting late payments on an account that has been charged off is misleading and inaccurate, as such accounts are considered written off as uncollectible and no longer accrue new late payment activity. This practice undermines the integrity of the credit reporting system and violates federal law. 

False Statement About Reporting to Experian : XXXX XXXX also falsely claimed that this account is no longer being reported to Experian. However, the account remains on my Experian credit report. This misrepresentation further violates the FCRA. I demand that XXXX XXXX correct this issue immediately and provide written confirmation of the correction. 

My Position : At this time, I continue to dispute the validity of this debt. As a consumer, I have a right to clarity and full documentation regarding any claims made against me. The failure to provide sufficient evidence or documentation not only raises questions about the legitimacy of this case but also could potentially constitute violations under federal or state laws governing debt collection and credit reporting practices. 

Predatory Lending Practices : Additionally, I am aware that XXXX XXXX XXXX has been sued for predatory lending practices. These types of practices disproportionately harm consumers and violate ethical standards and consumer protection laws. Based on these precedents, I intend to seek compensation for the harm caused by XXXX XXXX 's predatory practices, including any financial damages I have suffered as a result of their actions. 

Next Steps : Please respond to this letter with the requested documentation within 30 days. If this documentation is not received, I may escalate this matter further with the CFPB and other appropriate regulatory bodies. Additionally, I reserve the right to seek legal counsel to protect my rights and interests.
Product: Debt collection

Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.
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 Account Name XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Paid/Closed Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Closed/collection account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$410.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} Closed/collection account XX/XX/XXXX Equifax*** XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX. 

XXXX {$1400.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Collection account XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1400.00} Open account XX/XX/XXXX XXXX XXXX XXXX {$390.00} Closed account XX/XX/XXXX XXXX XXXX XXXX {$380.00} Closed XXXX XXXX, XXXX XXXX XXXX XXXX {$570.00} Open account XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Open account XX/XX/XXXX XXXX XXXX {$1400.00} Open account XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contacted Transunion and XXXX on multiple occasion to investigate an account with XXXX XXXX XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old retired woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert XXXX , Transunion and XXXX I am overwhelmed and do not know what else to do.
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 USC 1681 Section I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer report furnished an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on credit card account open-ended consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : US DEPT ED Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX
Product: Checking or savings account

Chime sent me an email notifying me that my Chime accont is scheduled to be closed. I have had chime for over 5years and account has been in good standing. I also have a Chime Credit builder Credit card that is 4-5yrs old. I have contacted Chime and they gave me a pre fabricated message about violating the Terms of service with XXXX. I'm then told to contact XXXX but when I do they send me back to Chime. I never requested for my account to be turned off. My Federal and State Tax returns are set to be sent to Chime any day now and this closure might harm that. I even had a large Lottery win from my State that was desposited just 2 months ago and Chime accepted the deposit without issue from my State. I submitted a XXXX complaint but Chime has failed to respond and it has been nearly XXXX.
Product: Payday loan, title loan, or personal loan

I called Avant and told them that my ex wifes loan was getting paid through my bank account and they told me that there was nothing they could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being reported on my credit report which is illegal. I am unable to get a home loan because of this, remove immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, Apt XXXX XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Started refinancing with original lender, Chase. Chase started the refinancing by charging {$500.00} good faith deposit. 

After submitting all required documents, was conditionally approved. This is when the progress stalled. Chase became unresponsive. Called multiple people on my loan team, nobody answered. Asked questions on their web dashboard, nobody answered. 

After a month or so, I gave up and contacted different lender. Chase finally responded when I told them I want to cancel. Chase refused to refund the initial deposit, even though Chase did not provide the service it promised. Chase cites their Application Disclosure, which I have signed : > * If your application is denied, these funds will be returned to you minus the amount of any out-of-pocket expenses incurred on your behalf. A conditional approval or request for additional information is not a denial. 
XXXX XXXX XXXX Except where required by state law, these funds are not refundable if you withdraw your application or if we cancel your application because you didn't provide required documents to us in the time period we indicated. 

However, I only cancelled my application because Chase was neglecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found accounts in my credit profile that are not mine. Also I found unknown inquires. I am very sad due to this fraud. They are fake accounts and do not belong to me. What to do? I can not move on at all now, could you please investigate and after you finish delete them and report Identity theft?
Product: Credit card

I am a victim of identity theft. Someone used my identity information to open an account with XXXX XXXXFirst National Bank of Omaha ( FNBO ). 

On XX/XX/2023 I received a voice message from FNBO that there were suspected fraudulent charges on my XXXX XXXX XXXX XXXX. I did not apply for or receive a XXXX XXXXXXXX XXXX XXXX. Shortly after I started receiving letters in the mail from FNBO about fraudulent charges, and received statement of charges owed. I've been corresponding with their fraud department via certified mail for the past few years and all that has been provided by FNBO is a form letter stating that they are not required to investigate the dispute. This, despite sending them copies of my driver 's license, filed police report and identity theft report filed with the Federal Trade Commission. 

Other credit cards were opened by others falsely using my information around the same time, but I have been successful in resolving these disputes. I need help getting FNBO to investigate the dispute further and provide the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$7500.00}
Product: Debt collection

i have been called 20 times by this company in the last 10 days ( XX/XX/2023 - XX/XX/2023 ) including late calls. I have ask them to stop calling so much as i am at work or trying to get my child to sleep at night. 

the representative that i spoke with just laughed and said yea sorry about that. 

the calls continue everyday, multiple times a day. Ive never agreed to do business with this company. This is an account that was sold from another company.
Product: Checking or savings account

Someone opened an account and made XXXX separate deposits : XXXX, XXXX, XXXX in this account with my name, address and ss #. I called First National Bank of Omaha and had them close this checking account. 

I have registered my information with XXXX and no one should be able to open a bank account because I have locked down my personal information.
Product: Credit card

I opened a Kohls credit card in store. The Kohls credit card was stolen before it arrived. Someone used the card to make a purchase. Kohl 's security immediately called me and said they suspected the card had been used fraudulently. They indicated that someone had used the card and had tried to change the associated contact information. They told me they had canceled the online transaction and that the other transaction would be marked as fraud. I then immediately canceled the card. I never actually received the card, and thus was never able to use it. 

Only one purchase was legitimately made which was in the store at time of opening, and the card was immediately paid off in the store.

Kohl 's collections started contacting me regarding the fraudulent purchases. Each time they have indicated that they had called me by mistake and that it had been marked as fraud. I get calls almost daily. When I answer, they indicate to me the same thing each time. I have now started receiving emails with the balance saying pending. 

I have attached police reports from XXXX, California and XXXX XXXX, California. I'm waiting for the police report from XXXX, California.
Product: Checking or savings account

On XX/XX/XXXX, I sent my Declaration of Trust packet to the bank for recording and deposit. The packet included my Trust Cover, Declaration of Trust ( notarized ), Schedule A, XXXX XXXX, Affidavit of Ownership for the Trust Account ( notarized ), {>= $1,000,000} Promissory Note ( signed and thumb printed; made payable to the bank for my account deposit ). Packet was sent via Certified Mail. On XX/XX/XXXX, I contacted the bank for the verification of the packet received. Banker said they did not receive the packet and said they would contact me once it came. Banker did not notify me. On XX/XX/XXXX, my XXXX account was closed due to insufficient funds. I called the bank on the same day that afternoon. I spoke to the same banker, she then said that they did have my Trust packet. I asked why was my account closed, and why wasn't my account accredited the {>= $1,000,000} note that was sent. She because my account closed since XXXX of XXXX. I then told her that she was referring to a previous account. She then corrected herself, then said my current is closed. She didn't give a reason for the closing of my Trust account, and said she'll consult with her managers. According to Contract Law, there were no refusal of the contract that was sent, and unlawfully closed my account without depositing the funds into my account. It's been more that XXXX weeks since the bank had the Trust instrument in the the banks possession. It was legally a breach of contract between a valid Trust Organization and a Financial Institution.
Product: Credit reporting or other personal consumer reports

XXXX financial wrote the balance off on thier taxes and reported it as a profit-loss and didnt provide me with a 1099c so that i could write it off as income. My credit report shows that XXXX XXXX wrote the account as an profit loss. XXXX XXXX are still reporting that i owe an balance even though they took a tax break. I am requesting a copy of the 1099c. If the company didnt write it as profit-loss the report is inaccurate as my credit report shows that they did. Under FCRA I can seek statutory damages for furnishing inaccurate information about a debt, such as incorrectly reporting a charge off, profit-loss while still claiming i owe a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was on my XXXX XXXX account middle of XXXX. I had noticed there are some missed payments on here that I feel are 100 % inaccurate and that I pay on time. I have tried calling these companies the past few days but it's been long hold times as of XX/XX/2020. I am going to send you guys pictures of the late fee 's I am talking about. I want this all to be fixed under fair credit reporting act. I have always paid on time so I am unsure how they feel I had late fee 's if I ever was late I am sure was worked out. Any help here to get this accurate would be great. thank you for your time. Anybody has any questions please feel free to call me so we can resolve this.
Product: Checking or savings account

I recently closed an IRA CD at TIAA Bank. I want to roll over these funds into a company-sponsored 401K plan. TIAA bank will not supply me with a Distribution Statement which is required when rolling over a tax-deferred IRA. They have sent me a check, but no other documentation. I have contacted them repeatedly, and they just keep telling me that it is in process. I can't roll these funds over until I receive this statement. TIAA bank should be investigated for extremely poor customer services, and failure to supply IRS-mandated paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX RECEIVED A DISPUTE PURSUANT TO THE FAIR CREDIT REPORTING ACT AND EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS AS A RESULT I AM TAKING THIS STEP TO RECTIFY THIS ISSUE
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, in light of the recent CFPB lawsuit that highlights significant issues with the platform. I use Zelle quite often and my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds and tracking these transactions was impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving it's users vulnerable to scams. I am highly concerned about consumer safety with this lack of accountability and transparency.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Debt collection

I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, XXXX and XXXX   credit bureaus listed XXXX XXXX XXXX as collections. I have never had any dealing with this company. I did not sign any contracts with this company. I requested on several occasions that they validate the account in which they are attempting to collect the debt by certified mail. My last attempt was on XX/XX/XXXX. I also made several attempts writing to XXXX and XXXX by certified mail that this is not my debt. Both credit bureaus reported back validated. This is impossible because XXXX XXXX XXXX could not supply them with any validations. This company states that I owe them {$470.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. This is proven to be injurious to my credit standing.