23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Nearly XXXX XXXXXXXX was removed from my XXXX by my former employer XXXX XXXX XXXX. They say that due to a failed XXXX XXXX  test, it was determined I had over contributed to my XXXX in XXXX. On XX/XX/XXXX the funds were removed from my account without any notification. A check was written by Lincoln Financial and made out to my previous employer, not me. These funds were received and deposited by my former employer. 

While working to roll over my XXXX to my new employer 's plan, I noticed the unauthorized transaction and started contacting both Lincoln Financial and my former employer and HR department. They all agreed that my former employer incorrectly cashed the check.

Lincoln Financial says they will not resend the funds to me unless my former employer returns the funds he deposited. 

The funds have been in my former employer 's account since XX/XX/XXXX and no check has been returned to Lincoln Financial or to myself to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX  has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXX XXXX  wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX  XXXX  XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists
Product: Credit card

Dates : XX/XX/2023, XX/XX/2023 Received an email about a new credit card that I had allegedly applied for on both dates listed above. I called Chase and had Chase remove both applications and remove both inquiries.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount XXXX XXXX XXXX XXXXXXXX Late Payments XXXX XXXX XXXX XXXX850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter.

If Experian fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I paid {$730.00} to money lion on XX/XX/XXXX, which was to pay off a credit builder loan. I called and requested access to my escrow funds ( amount held until loan is paid off ) they stated it will be 5 business days until I will receive the amount. Its now XX/XX/XXXX I have still not received my funds Ive been lied to by multiple supervisors ( XXXX, XXXX ) telling me when Im going to retrieve my funds. I get pushed around every time I call in they are completely unprofessional and it takes 40 minutes to get a supervisor. I requested a manager above XXXX and she stated they were in a meeting and it could take up to two days for me to get a call back and due to them escalating my account its now another 3-5 business days. Will be getting an attorney.
Product: Debt collection

ENHANCED RECOVERY COMPANXXXX XXXX XXXX, XXXX ( XXXX ) XXXX age of account I do not owe shows XXXX XXXX 2014. The company lies on my credit report and when I contacted them they said they will move this to XXXX XXXX XXXX Please see attached copy of the report.
Product: Debt collection

My husband died XXXX. He had a XXXX XXXX credit card for aboutXXXX  $ and a tjmax  credit card for about XXXX . The tjmax credit card was sent to XXXX XXXX XXXXXXXX. I paid XXXX XXXX $ payment to XXXX  because they made me feel guilty but Ive found out the debt died with my husband. XXXXwants to talk to my lawyer but I dont have one. Thats about it so far. They are very rude
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : $ {$11000.00} XXXX  XXXX  XX/XX/2022
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 XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

I am trying to get TIAA Bank to Discharge my Mortgage. They initiated a lawsuit lost in court, the decision was handed down on XX/XX/XXXX. " Judgement for the Defendant. '' Please see Decision XXXX XXXX : XXXX XXXX XXXX v. XXXX XXXX XXXX for the courts decision regarding the discharge of a mortgage after a suit. Maine law is clear on this matter. 

The homeowner is entitled to a discharge of the mortgage if judgement is entered in his or her favor. TIAA failed to win failed to prove their case against me, the case had no merit in the first place yet they have held onto my deed. I demand that they release it or I will be forced to take action. I will ramp up my complaints against them and use every means possible to do so. The internet, radio, the newspapers and even the local television stations. 

Will these big banks ever smarten up? Stop trying to push people around.
Product: Credit card or prepaid card

I had fraud on my credit card account and citibank closed my account. I submitted several fraudulent charges for dispute. One of the charges was XXXX, and their security team had left me a message that they had confirmed fraud on my account. Other charges included a company named " XXXX '' that we have never heard of. These were all out of state charges. I received a letter from citibank that they had concluded their investigation and were not reversing any of the charges. They suddenly put about {$440.00} dollars back onto my account with a threat that if I did not pay, they'd report me to crediting bureaus. 

Their letter did not include any documentation proving that the disputed charges were valid. 

I contacted citibank 5 times since then requesting that they reverse those charges. I also requested that they send me documentation proving the disputed charges were valid, as they are required to do. They said they would get back to me if needed and never sent any documentation. I called their security department they told me to call but was placed on hold and then disconnected on. No one ever called me back. I have run out of options.
Product: Credit reporting or other personal consumer reports

I have found inaccurate collections entry 's on my Equifax credit report. This entry is in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Act for the following reasons : Inaccurate Reporting ( 15 U.S.C. 1681i ) : The collection entry reported by Equifax is incorrect. Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is incorrect, and Equifax is required to investigate the dispute and remove any inaccurate information. Failure to Validate Debt ( 12 U.S.C. 5536 ) : I requested debt validation from the collection agency, but I have not received the required documentation confirming that the debt is valid. According to 12 U.S.C. 5536, the Consumer Financial Protection Bureau ( CFPB ) has the authority to enforce fair practices in consumer credit reporting and ensure that companies adhere to proper debt validation procedures under the Fair Debt Collection Practices Act ( FDCPA ). This failure to validate the debt further supports my request for removal. Failure to Ensure Accuracy ( 15 U.S.C. 1681e & 1681c ) : Equifax has failed to ensure the accuracy and completeness of the information reported, as mandated by 15 U.S.C. 1681e and 15 U.S.C. 1681c. The Fair Credit Reporting Act requires consumer reporting agencies to maintain accurate and up-to-date information, which has not been done in my case.
Product: Credit card or prepaid card

Basically I reached out to the credit bureau explaining that they are reporting inaccurate information, and they then in turn reached out to XXXX 's explaining the same. XXXX 's then wrote me stating that I owe for the bill and that if I am experiencing any hardships to let them know. I then wrote a validation request letter to XXXX 's asking for any information that would make them think I am responsible for an account that I did not open. I asked for any documentation with signatures etc. They have now sent me a bill again stating I owe {$330.00}. They still are not answering the request for them to validate this debt. I have been a prior victim of fraud as well and have made this known as well. I also have
Product: Checking or savings account

Trying to get Bank statements from Citizens for a divorce proceeding. XX/XX/year> Started process to get bank statements from a closed account. They said they would send them. Never received them. Requested again XX/XX/year>. Never Received them. Requested again XX/XX/year>. Was told that I needed to have them sent to correlating address on file. Never Received them. XX/XX/year> : was told that the person previous did not put correct dates in for transactions so request put in again. XX/XX/XXXX XXXX still no bank statements.
Product: Debt collection

received collection letter from Audit Systems Inc. on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to XXXX XXXX XXXX. 
This check was processed and recorded by XXXX. 
Sent returned letter to Audit Systems demanding they cease collections efforts and that the account was paid on time. 
no response from Audit Systems
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandated a reasonable investigation of disputes/ Furthermore, XXXX XXXX actions may also contravene the consumer financial protection act, 12 U.S.C . $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX {$370.00}
Product: Credit reporting or other personal consumer reports

I've been filing complaints against this company repeatedly because they can't seem to manage my consumer file correctly. In my last complaint, they told me that Chexsystems had no information about me, which is simply not true. When I checked my Chexsystems account, I found over XXXX different accounts they claimed were clear. 

Today, on XX/XX/2023, my concern is about a message they sent through their website. Initially, they told me they hadn't removed my dispute with XXXX due to accuracy, but just XXXX minutes later, another message stated that it was removed from Chexsystems. To understand the situation, I ordered another consumer report and found numerous inaccuracies. This is the primary reason for my new complaint. 

Their communication doesn't match what I see. They initially told me and the CFPB that I had nothing on my file, yet I still encounter numerous inaccuracies. This company isn't meeting its obligations and isn't being fair. If I were to try opening a bank account now, I might face denial due to this confusion. They claim I'm clear, which further complicates the issue. I'm not sure if my report freeze is causing this problem, but I've requested my security pin and am awaiting it. I will certainly question what the agent told me and the CFPB. 

They should provide me with the information that banks send, not fabricated bills. I've reported identity theft, and although it may not be directly linked to Chexsystems, it's crucial for my identity theft claim with other banks and credit reporting companies. If there truly were nothing on my report, as they claimed, I wouldn't need an identity theft report for them. But I'm dealing with banks and accounts unrelated to Chexsystems, and that report supports my identity theft claim. Chexsystems should consider my disputes of inaccurate information, names, and addresses throughout the year as they assess my identity theft claim. 

I plan to write a letter to Chexsystems to collect all the names and addresses I disputed this year. This will assist me in my identity claim when I make my police report. Dealing with this company is time-consuming, frustrating, and feels like my rights are being violated due to these inaccuracies. I've been dealing with them for quite some time, and it's an ongoing issue.
Product: Debt collection

I've tried to satisfy this debt for a few weeks, but they won't talk to me. I need to settle this debt ASAP so that I can get approved for a new place to live. I've called twice, and the collection team was " busy. '' I left a note for them to call back. When they didn't call back I called again, but they didn't answer anymore. There is nothing else I can do to pay this debt.
Product: Debt collection

I had found out that my husband was paying to a collection company called SIMM Associates Inc. for about XXXX years. XXXX had a XXXX mortgage through a Company called XXXX XXXX, then the Company was sold to XXXX. My husband and I have had XXXX problems ( XXXX XXXX etc. ) We last paid on the loan thru XXXX XXXX on XXXX/XXXX/XXXX. Our balance at that time was {$35000.00}, our annual percentage rate was 6 %. When XXXX XXXX took over we made payments until we could n't anymore. Our last payment XXXX was XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX made a Charge off/Default on XXXX/XXXX/XXXX. Approx, XXXX yrs. ago, a Collection agency called Simm Associates , Inc . bought our loan for I 'm guessing 'pennies on the dollar '. I did n't understand why my husband was uptight all the time until I discovered this horrible Simm Associates. I called them and talked to a rude 'manager ' named 'XXXX ' I talked to him about the loan asking him why we have a statement from them showing we have a balance of {$110000.00} that we owe them pointing out that last paper I looked at that we had a balance of under {$36000.00} and that my husband had been paying Simm Assoc XXXX {$160.00} a month for XXXX years! He told me first off he wanted me to know that we could or not be conversation recorded. I said ok., like that 's going to scare me. I asked if he would negotiate for like {$13000.00}. Just a # I through out because I realize now, we owe less than this, I believe. He said sure, pay it in 1 month or 'short sale ' your home to pay it, or keep paying them I think was the XXXX thing. I told him it would cost us more rent than are mortgage now 'Short Sale ' our home! I got upset about the way he was speaking to me and reminded him I was on the line to solve this issue. He reminded me that he was recording the call and I told him " Ditto ''. He instantly got mad and said " you never told me you were recording our conversation " and hung up on me, I recently talked to a lady there named XXXX XXXX and asked her why her collection agency was charging me so much and she told me and I quote '' {$14000.00} in fees and {$63000.00} in interest! This is hiway robbery! I have learned 3 things, 1 XXXX from my Bank yesterday- this is no longer officially a second mortgage after it went to the collection agency, so they ca n't threaten to take my home 2 ) I did n't know where to turn to for help XXXX our bank ca n't help us because our credit is ruined and they feel the high interest they would charge us would take XXXX yrs. just to pay it off ( {$13000.00} XXXX. 3 ) Do n't hide things from your spouse. I ca n't believe I did n't know or he was to ashamed to tell me! Now I know why he has XXXX problems and 'why ' he 's always angry. I have tried to call XXXX XXXX XXXX XXXX to see if we can settle through them. They have there own Loan Default Department. I have tried the Dept 's XXXX number but it says that our loan has been sent to Simm Associates Inc. Please help. We owe the money for under {$30000.00} we admit that. We need HELP!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was a victim of fraud in my Wells Fargo bank accounts. Someone obtained my identity and deposited several fake money orders to my account. The fuel lost my email
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions