23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COLLECTION SVCS has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion.
Product: Bank account or service

At the end of XXXX, I opened a XXXX XXXX checking account with Suntrust -- an account with a {$25000.00} minimum. Two weeks later, after confirming that they received my signature card which validates the account, I attempted to use the mobile checking app to deposit XXXX checks of {$1000.00} each for a total of {$3000.00}. These checks were my own checks from a different bank. Essentially, I wrote XXXX checks to myself from Bank XXXX in order to transfer the money to my SunTrust account. 
Two days after this, when I tried logging into my SunTrust account to make sure that the checks had cleared, I was denied access to my account. I waited a few more days and upon realizing that I was still unable to access my account, I called SunTrust to resolve this problem. I was informed that the account was placed on hold because it may have violated a SunTrust regulation and instructed to wait for a letter in the mail. 
I finally received this letter to which the representative on the phone was referring on XXXX XXXX. The reason for the hold was as follows : " Reason XXXX XXXX : Deposit exceeds client 's average balance. '' This explanation is completely illogical. Naturally, any new account will run into this problem! My average balance was less than {$100.00} -- the initial deposit I made with the bank representative when opening the account. I had tried to deposit {$3000.00}, a normal amount of money to begin using the account and SunTrust responds by putting my account on hold. It does not even make sense for such a modest sum of money to even be flagged considering that the account MINIMUM was {$25000.00}. The amount I deposited was barely a fraction of that. 

When I received this letter, I still held out hope that once the checks cleared then SunTrust would be reassured that everything is normal and they would lift the hold. NOT THE CASE. I received a letter on XXXX XXXX that SunTrust decided to close the account. 
On XXXX XXXX, I received another letter that clarified that SunTrust reserves the right to close any account for any reason and without disclosing the reason. 
To make matters worse, I only received a check for {$90.00}. I checked with Bank XXXX and they confirmed that the {$3000.00} in checks had cleared. I called SunTrust and they said they will not return the {$3000.00} until XXXX. I am outraged that I am being taken advantage of in this manner. Not only are they wrongfully closing my account, they are holding my money for over three months for no reason. 

Please help me to resolve this issue. I am very diligent with my finances and trust that you will be able to help my make this situation right. Thank you.
Product: Debt collection

CBE group added something to my credit when we already had a payment plan setup an they never once told me that i had to pay it by a certain date then soon as i got down to my last payment they put that on my credit report as a collection after its been paid in full ... i never miss a payment or nothing so i dont understand why they did that to me when Im trying to keep a good credit report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681, section 602, states I have right to privacy. 15 USC 1681, action 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment in a credit card account under an open end consumer plan as late for any purpose.
Product: Debt collection

Dear IC SYSTEMS ; I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( Engelhart v. Gravens ), if no evidence is provided, I will assume no debt exists.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Prepaid card

US DIRECT EXPRESS CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX MY MOUNTHLY ACCOUNT REPORTS DID NOT CONTAIN THE NAME OF THE RETAILER, IN THE COLUMN TITLED " 'RETAILER ' THERE WERE ONLY ADDRESSES. I COULD NOT RECONCILE MY ACCOUNT USING COMPANY HEADQUARTERS - NOT EVEN THE ADDRESS OF THE POINT OF PURCHASE. NEAR THE END OF XX/XX/XXXX ANTICIPATING XXXX SPENDING, I WENT THE EXTRA MILE TO CHECK MY ACCOUNT CHARGES.BECAUSE SOME OF THEM DID NOT LOOK FAMILIAR. FORTUNATELY, I FOUND FRAUDENT CHARGES THAT WERE ONLY IN XXXX. I SAY FORTUNATELY BECAUSE THIS COULD HAVE BEEN GOING ON FOR SEVERAL MONTHS NOT JUST XXXX. - IN LATE XX/XX/XXXX AND EARLY XX/XX/XXXX. I CONTACTED DIRECT EXPRESS BY PHONE FOLLOWING THEIR ADVICE, WE SHUT DOWN THE ACCOUNT, PREPARED A RECONCILLATION, MADE A POLICE REPORT AND ISSUED A NEW CARD. THE POLICE CAME TO MY HOME AND CHECKED THINGS OUT - PURSUED AN INVESTIGATION AT SOME OF THE PURCHASE RETAILERS AND A REPORT WAS SENT DIRECTLY FROM THE POLICE TO DIRECT EXTRESS.I SENT SEVERAL EMAILS TO DIRECT EXPRESS FOR REIMBURSEMENT XXXX WHO WOULD NOT SOEAK WITH ME ON THE PHONE AND REPLIED ONLY BY XXXX POSTAGE ( AKA SNAIL MAIL ). NOW, AFTER XXXX MONTHS OF " BOBBING & WEAVING ', DIRECT EXPRESS NOTIFIED ME THAT THE DISPUTED CHARGES WERE ALL MINE AND THERE WOULD BE NO REIMBURSEMENTS. THIS IS NOT GOOD, NOT RIGHT AND NOT ACCEPTABLE. THEY HOPE THIS OLD GUY ( ME ) WILL DIE BEFORE ANYTHING CAN BE DONE ABOUT THIS MATTER. I WANT THE MONEY DUE ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT STUDENT LOAN ACCOUNTS AND INQUIRIES FROM MY CONSUMER REPORT
Product: Debt collection

Subject : Formal Notification Regarding Disputed Account and Violation of FCRA Laws Dear Nordstrom Card Services, I am writing on behalf of my client, XXXX XXXX, who is currently seeking legal counsel regarding a credit card account that he believes does not belong to him. XXXX XXXX has made numerous requests for verification of this account, demonstrating his diligence and commitment to resolving this matter. Despite these efforts, Nordstrom has failed to provide satisfactory evidence confirming XXXX XXXX 's association with this account. 
Furthermore, XXXX XXXX has taken proactive steps to address this issue, including filing a complaint with the Federal Trade Commission ( FTC ) for suspected fraud. Despite his persistence in seeking resolution, Nordstrom has not adequately responded to XXXX XXXX 's inquiries and requests for verification. 
It is imperative to note that the handling of this account by Nordstrom is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623. The FCRA mandates that consumers have the right to accurate and verifiable information on their credit reports. 
Nordstrom 's failure to provide conclusive evidence of XXXX XXXX 's association with this account not only infringes upon his rights under the FCRA but also undermines the integrity of credit reporting practices. 
The presence of this disputed account has caused significant harm to XXXX XXXX 's personal credit and financial standing. As such, we are exploring all legal avenues to address this matter promptly and effectively. However, we remain open to resolving this issue amicably and expeditiously. 
We urge Nordstrom to take immediate action to rectify this situation and provide the necessary documentation to confirm or refute XXXX XXXX 's association with the disputed account. Failure to do so may result in further legal action, including the pursuit of civil remedies. 
We appreciate your prompt attention to this matter and request that you contact us at your earliest convenience to discuss a resolution. Your cooperation in resolving this dispute is crucial to ensuring compliance with applicable laws and protecting the rights of consumers. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on time.
Product: Bank account or service

On XXXX XXXX of 2014 someone deposit a check into my account from an ATM unauthorized in Work forged I 've then made a claim reporting the activity that was being done on my account on the XXXX of 2014 I then got a statement stating I was negative in my bank account and that i owed Bank of America money. I then went to a bank of America branch in XXXX XXXX XXXX where they stated that I never made a claim and the associate called the claim center and said they never got a claim so I made a claim and the Bank of America associate ask them to the ATM cameras that resulted in showing it was not me at the ATM and they removed the negative money on my account and I could receive the following money I had left on my account.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

I am a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian via USPS Certified Mail ( tracking # XXXX ), requesting a reinvestigation of items on my credit report, specifically a bankruptcy. I included all necessary documentation to verify my identity and address, including a copy of my photo ID, social security card, and a recent bill with my current address. 
To date, I have not received any response from Experian regarding the results of their investigation or any acknowledgment of my dispute. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of items in their file. By failing to respond to my dispute or conduct a reinvestigation, Experian has violated my rights as a consumer under the FCRA. 
Additionally, I mailed a separate dispute to XXXX on XX/XX/year> ( tracking # XXXX ), regarding the same bankruptcy. On XX/XX/year>, I received a response from XXXX confirming that they filed disputes with all three credit bureaus, but none of the bureaus had responded to their inquiries. This demonstrates that the bankruptcy reported by Experian is unverifiable, even by XXXX, which serves as their primary furnisher of public record information. 
I am including copies of the disputes sent to Experian and XXXX, as well as XXXX ' response, for your review.
Product: Credit card or prepaid card

On XX/XX/2019 I opened a Best Buy Citi card and was granted a {$4000.00} credit limit. Later I contacted the company in order to request a credit increase as I wanted to purchase a couple of televisions and use the 24 month free financing promotion. During the call to request a credit increase, I provided my mobile phone number which has been registered in my name for a couple of years. This number was the same number used as verification for account initiation earlier in the day. The company told me that they could not verify my phone number and I would have to wait for a bank verification by phone or mail. 

When I attempted to use the card, I was declined. At that point I contacted customer service and was informed that my account was locked until it was verified. The person would not answer my questions about how that could be or how long it would take to unlock and was extremely terse throughout the entire encounter. I attempted to close the account and was informed that they could not close my account as it was locked.
Product: Debt collection

EASTERNACCOS - XXXX Re : Cease and Desist Notification Dear EASTERNACCOS This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law. 

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.
Product: Money transfer, virtual currency, or money service

I transferred money from XXXX XXXX account to XXXX XXXX  account through MoneyGram ref. XXXX, They said on their website that the process will take 3-4 days. It took 5 days until they sent it to the other bank from XXXX XXXX. I reached XXXX XXXX and the money still not received. I want to complain because they don't say that it will take that long and they don't give an exact date of receival. My family needed the money as soon as possible and they made it a night mare. 
I called several times to understand where is the delay and send email with complain with no reply from their side. when I called they were rude with no explanation. they said we can't do anything just wait for the other bank to process. they keep saying estimated date of receival and they keep changing that date. I called them today at XXXX XXXX, they said if the money not transferred tomorrow, we will open a special case of investigation. which means more time with no money arrived. 

I wish they wrote that the service will take more than 10 days, I would never used their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  have failed to investigate why XXXX XXXX is reporting late payments on this account. I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I had auto-pay setup and was always on time.
Product: Money transfer, virtual currency, or money service

I signed up to receive a service from the Albert Money App soon realized it was all a scam, but there was no way to cancel service through the app. I messaged to have the service stopped. I was assured that service service would end, but after checking my account they continue to make withdrawals every month. I tried to call back they stopped making withdrawals for the month of XX/XX/2024, but started back on XX/XX/2024. This is apparently an ongoing issue with tons of people that use the service, but they make it very hard to stop service and to get your money back
Product: Checking or savings account

Received an email saying there was a login attempt from my Chime account from XXXX XXXX. Problem is, I have no recollection of ever opening a chime account. Later received an email with a direct deposit form. I immediately called Chime and asked them about this account, but they wanted too many personal details for an account I did not open. I told them this account was opened fraudulently. Since I would not provide detailed info, they told me to email XXXX to continue the request. They then asked me for ID and social security and to upload to a non existent link. Again, I'm not going to provide information to a company I did not reach out to to open this account. Received another email telling me to contact them through the email associated with my account. I did, but I also don't have a Chime account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not aware of a XXXX XXXX for a vehicle repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX XXXX XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.