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

After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under US Dept of Education for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.
Product: Mortgage

My mortgage company money source continue to denie my loss migration application I have provided all supporting documentation that is required. I received a call on Monday from the money source and flat out told he is denying my application because he see no point in approving it because I need to make more money. I explained to him I was told by a worker name XXXX to make partial payments of XXXX monthly I have been honoring this agreement to present date. OnXX/XX/XXXX/17 I was notified by payment was return when I called I was told there is nothing I can do and hung up on me
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. 

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  has violated my rights. Or 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: Debt collection

On XX/XX/2022 I submitted a negotiable instrument along with a remittance coupon to set off XXXX 's monthly statement. Your offer was accepted in the amonth of {$4300.00} for the value and consideration and tender the payment for thr complete amountand accord satisfaction. Per UCC 3-603/ 3-311 upon redeeming the instrument. 

Once accepted for value, the enclosed instrument is a lawful specie of payment under UCC 3-104, which can be used to credit/ off-set the balance of account. 

On XX/XX/2022 the account was only credited {$1.00}. You are in violation of 12 CFR 1026.13 and UCC 3-501. 

I have informed the company and gave ample time to correct the billing error. We are well beyond a month now. Despite my urgency due to it's time sensitivity, I have not been given thr proper due process into this matter, and my credit image is damaged daily. Also financially I am experiencing a great deal of stress not having access to a main credit line. I incurred paying higher fees using other cards to compensate for the lack of not using my Wells Fargo Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  the pretender lender loan servicer, its shady incompetent delusional robo-employees on the upper crooked floor division, and its lawyers on the crooked bonus division committed fraud against me for years attempting to steal my home, pushing me around making threats with the loss of my home using fraudulent foreclosure and fraudulent trustee sales. The pretender lender loan servicer has clouded up my title frozen all my equity and ruined my credit by placing fraudulent incorrect information on all  XXXX  major credit reporting agencies for years. I know its been a complete waist of time filing consumer complaints against the pretender lender loan servicer because its employee  XXXX   XXXX  on the crooked floor division is trained to respond to all my CFPB consumer complaints using her  XXXX  spin-pin-tool not to admit  XXXX  dark secret white collar crimes cover-ups, and that 's exactly what it is, its nothing less that. After the pretender lender loan servicer used its cozy relationship with  XXXX  as a weapon against me leaving me with no options to save my home from fraudulent trustee sale, only leaving me only  one  option to either sign the increased none negotiable loan modification or lose my family home I own free and clear. I have repeatedly told  XXXX   XXXX  that my attorney will be filing a major lawsuit against the pretender lender loan servicer in the coming days, and that the payoff evidence and witnesses will take place in a court a law or in law enforcement agencies. I was advised not provide the pretender lender servicer incompetent delusional employees on the upper crooked floor division and its lawyers on the crooked floor bonus division any evidence. The courts and the authorities have access to the evidence at anytime.
Product: Credit card

Following my previous complaint regarding this company and the fraud showing on my account, rather than fix the issue, they closed my account. They still have not addressed the fraudulent charges on the account, in fact, they sent me a letter stating my minimum balance was now lowered to {$260.00} while they investigate, however, on my account online it is still requesting that I make a minimum payment of {$920.00}. They closed my account for no legitimate reason. I pay my bill every month on time, except for now because of the issues. I have paid it off in full multiple times and have had no other issues. Now because I have complained to the CFPB and XXXX  regarding their recent actions, they are retaliating by closing my account. I will be filing a lawsuit against Best Buy Credit Services and Citibank. What they are doing is wrong. I have reported the fraudulent charges on my account, yet they fail to resolve them, instead demand ridiculous payments even after sending a notice that the amount would be changed. Then close the account because I have made complaints.
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft, and due to that identity theft there are several account reporting from this company, that I have not opened nor authorized anyone to open.
Product: Debt collection

On XX/XX/year>, I received a text message from XXXX XXXX, identifying itself as a debt collector for XXXX XXXX XXXX, regarding a XXXX XXXX XXXX  account. The text stated that XXXX XXXX XXXX is the current creditor, and it provided a link to a portal for managing the debt. However, I have never received a formal letter from XXXX XXXX XXXX or XXXX XXXX notifying me of their authority to collect this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide a written notice within five days of initial communication, including details about the debt, the name of the original creditor, and information on how to dispute the debt. Neither XXXX XXXX XXXX nor XXXX XXXX has sent me this required notice. 

Additionally, I was never informed by XXXX XXXX XXXX, that my account was sold or transferred to XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to notify consumers when their debt is transferred to another party. This lack of notification leaves me unsure whether XXXX or XXXX XXXX has legitimate authority to collect this debt. 

The text message has caused concern about the security of my personal information and the possibility of fraud. Without proper validation of the debt, I fear my data may have been improperly shared or accessed. I request that the companies involved provide : 1. Proof of debt ownership and transfer.

2. A copy of the written validation notice.

3. Evidence of compliance with legal requirements to notify me of the transfer.

I also ask that this situation be investigated for possible violations of the FDCPA, FCRA, and any applicable privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses no longer belong to me, i no longer receive mail at this address and have access to this address. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX. This address does not belong to me XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I only have one address is XXXXXXXX XXXX XXXX.
Product: Credit card

I applied for a chase freedom card at the beginning of XXXX. Upon ordering I had realized chase still had my parents address as well as my maiden name. Called and explained this, cancelled and got a new card sent to my new address. I get the cardstill my incorrect name. I call again, get sent name change docs, I sign them, I hear nothing until I get a letter just stating there was an error on Chases end and to call. I call again, explain the situation again, a man assures me all is well. I get an email the next day stating my fraud case is being worked on and my replacement card sent. I havent used the card, and can see in the app, yet again they are sending a card with my incorrect name for now the third time. I call again, get a supervisor who tells me the error is on chases end. I still never received name change documents to make a second attempt at this. I am divorced and trying to build some points and establish myself in my new life and chase is 100 % hindering that
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services.  I am demanding these accounts to be removed as I did not authorize or open these accounts.
Product: Checking or savings account

They take more out your account like u don't know what your spending
Product: Debt collection

By XX/XX/2022 I got a mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon opening the mail.it was an identity theft some one use my info behind me and get a credit card and I responded to all the mail that I do not trasact any bussiness with what I'm.be sued until they sued me to court and I reported this to the 3 credit bureau which they took out the debt from.my credit because it was not my account and they still went ahead and took me to the superior court in new jersey which I responded to all the mail a d when the collection agency sent the invoice of the fraudulent transaction I quickly noticed who did the fraud because on the invoice show my name and the address on the invoice I never leave on the address and layer I realized that was where my ex use to live and that was when I knew it was her and I went to the XXXX police to sue her for identity theft and they said I need to get a mail from the original debtor which I call so many times and they never pick up and I went back to XXXX XXXX  and says they can't do nothing. And also this particular person that stole my ID is also has another fraud she did which buying a furniture 8 years ago when we still together and when she move out of nj I call her every month not to destroy my credit and she says she's paying until after 2 years got a mail from same XXXX XXXX XXXX XXXX that the monthly payment for the furniture has not been paid for a year and I contacted my ex and I had her with XXXX XXXX XXXX XXXX XXXX and they ask her to send all the payments to them which she lied she did and she never did and I was XXXX by XXXX XXXX XXXX XXXX and as a spiritual man.i take responsibility for what I did I bought the furniture for her with my card and I had an accident then and in my pain I was able to pay XXXXXXXX XXXX XXXX and they keep harassing me calling me at odd hours that I had to block all the numbers they call me and while the case was in court they keep sending me.different mails and I had reported them.also to the arttoney general of XXXX XXXX  and they are trying to garnish my wages which I got an electronic mail from.the court.tell them to go else where to look for free money.i word hard for my money to XXXX for my family not to pay no.money I know nothing about and they should stop sending mails.to.my house.
Product: Checking or savings account

Claim  XXXX  was opened on  XXXX ,  XXXX   XXXX   XXXX   XXXX . This transaction was paid through  XXXX , the package arrived with item missing from it. The merchant did not include the item prior to shipping, a mens wallet.   XXXX   will not refund, they will only reship the item which is no longer wanted.They advised me to dispute charge. I attempted to dispute charge through  XXXX . however, claim was closed by mistake and refuse to re-open it or do anything further, I was advised to dispute charge with my bank which is Suntrust. A claim was made on  XXXX , however, nothing has been done. Suntrust reps, which are outsourced to foreign countries like  XXXX , are of no help and only state the claim is in progress. They verified affidavit was received, still nothing done as of today,  XXXX . The transaction has overdrawn the account and received  XXXX  insufficient funds fees on  XXXX  and  XXXX  because of it. I need credit for transaction as well as overdraft fees mentioned
Product: Debt collection

Re : Citibank Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XXXX XXXX XXXX, 2018 ). Upon discovering these charges, I immediately reported them to Citibank and my account was closed. These charges were done online and Citibank is not able to provide proof of debt. Instead, they just provide the billing statement as proof of debt. I've written to Citibank twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : Citibank Citibank Customer Service Attention : Fraud Department/disputed chargesXXXX XXXXXXXX XXXX XXXX, SD XXXX. To this date, my account has been sent to collections and my credit reporting has been impacted. 
I am in desperate need of your help. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccuracies in Credit Reporting Dear CFPB, I am submitting a formal complaint regarding inaccurate and inconsistent reporting on my credit report concerning the account identified as Account Number XXXX by TransUnion and XXXX by XXXX. 

Specific Issues with the Reporting : Account Number Discrepancy : TransUnion reports the account number as XXXX, ** while XXXX lists it as XXXX. This inconsistency raises concerns about the accuracy and reliability of the information being reported. 

Late Payment Reporting : Both TransUnion and XXXX indicate a 30-day late payment in XX/XX/year>, yet my records show no such delinquency. The creditor has failed to provide documented evidence to substantiate this claim, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Payment Status Conflict : Despite both bureaus reporting the account as " Closed '' and " Paid, '' the inclusion of a late payment inaccurately portrays my payment history, which could adversely impact my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuously getting misleading feedback on the accounts being reported on my profile WITH ALL errors POSTED. I HAVE ALREADY FILED A COMPLAINT TO THE FTC OF THESE DECEPTIVE PRACTICES OF XXXX. 
These Accounts are DECEPTIVE & IN STEPS TO CIVIL LITIGATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX close my account for no real reason no bounce checks nothing. ( XXXX ) the branch manager seems to have issues to how I take money out as well as an issue after I use my card at the window to how I take money out. My next issue I get Cashier checks and she wants ID in which I have and ask for more ID than is required. I been doing this since I open the account. I found this to be bias ( XXXX ) the branch manager.  There was no need to be so nasty as if I cant say anything and she took it personal on me. I have also contacted an attorney to the situation of how she just for no reason closed the account. Bank of America has not or created so bogus reason for the closing of the account. I find ( Jessica ) the branch manager very bias towards her actions and have spoke to several other legal people to my rights and filing a law suit on Bank of America and there employee being the Branch manager ( XXXX ) she has an attitude towards me since the day I get cashier checks. As if I want to withdraw money is my business as well into question her on her Bias actions. I'm also filing a complaint with the US Attorney office as well as the Bank Comptroller on her actions. No notice or phone call to her actions at hand. And Bank of America on the phone tells me they have a right base on her actions. It seems very bias and XXXX motivated on her part.
Product: Credit reporting

Please see the attached. Enclosed is a USPS report pertaining to mail fraud that supports my requests that Chex Systems , Inc. only respond via registered or tracked mail.
Product: Debt collection

Westlake portfolio management has taken over my lease with American car center in XXXX of this year, Im finished paying my car off XX/XX/XXXX. They said I owe thousands of dollars but wont send me proof of the debt they say I owe and claim they wont finance the balance because they are not licensed in the state of Alabama so are threatening to take my vehicle. Several times I have tried to contact them to work something out but Im constantly getting hung up on or transferred to different departments that cant help me.
Product: Credit reporting or other personal consumer reports

The CFPB recently filed a lawsuit against Experian alleging, systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as experiences inaction violate federal law and my rights as a citizen.
Product: Bank account or service

I applied and shared all my information with this bank and was denied an account.
Product: Debt collection

Informed money key collection agency Third party i believe at XXXX that they were only to be contacting me regarding this balance as XXXX XXXX. They called my references again today XXXX/XXXX/15 regarding my balance. I have told them that I was only able to afford XXXX month XXXX or XXXX begin to be rude and saying that money key did n't give you payment arrangments when they gave you the loan. I do not feel that i should be treated like that was n't disputing that i did n't owe it just could n't afford to pay what that collection agency wanted. Still harassed me and I termnated the call.
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.

IAccording to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 


Accounts : Account Info Account Name XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Info Account Name XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Info Account Name XXXX Account Number XXXX Account Info Account Name XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " XXXX XXXX '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is XXXX days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX J Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within XXXX days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.