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

EQUIFAX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting systemic issues, including failing to send consumer-provided evidence to vendors, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. These failures align with my experience, where XXXX has failed to correct or remove disputed items despite evidence I provided. This inaction has caused ongoing damage to my credit rating. I request immediate corrective action to remove or modify the disputed accounts, as XXXXXXXX XXXX  actions violate federal law and my rights as a consumer. PLEASE DELETE ACCOUNT XXXX XXXX, with account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I having problems with my someone using my identity and causing these negative accounts on my credit. this is very stressful and all I want is my like back please help me revolve this headache for me thank you
Product: Debt collection

On XX/XX/2017, I was contacted by Navient, and I wrote them a letter stating I needed a deferral due to a problem trying to resolve this and other debt. 
I also included in this letter that per the FDCPA that the phone number they were calling is a DO NOT CALL NUMBER. However, I have been getting phone calls at least twice a day. 


I want the calls to stop. I will communicate with them in writing.
Product: Debt collection

*********Notice of Dispute******** I am disputing this alleged debt. Cease all illegal attempts to collect and communications ( see below ) XX/XX/2022 CEASE AND DESIST NOTICE OF DISPUTE I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Debt Collection Practices Act ( FDCPA ), and am disputing this alleged debt. Navient has violated my privacy and contributed to abusive practices, as I am a federally protected consumer under 15 USC 1692. As a third party debt collector, any debt being attempted to collect, the FDCPA requires that it is done so in a manner that is fair and equitable. Navient illegally obtained personal and private information and is reporting to other financial institutions including XXXX, XXXX and XXXX. I did not grant Navient permissible purpose to obtain the information and report it. I have not been notified that this information is being provided to the highest bidders. I have sustained further emotional and psychological damages because of Navient unfair and deceptive practices. 
As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting to all consumer reporting agencies. 
- XXXX my balances out on each alleged debt - Cease communication except for email and mail ( no phone calls ) - Provide acknowledgment of this official notification that I am opting out of your reporting to the credit reporting agencies ( XXXX, XXXX, and XXXX ). 
- Provide the original contract/agreement that I made with Navient with my wet signature - Anything outside of these demands, Navient will be liable for civil, and criminal liabilities under Title 15.

Do not report ANY information bearing my identification.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FDCPA. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or resolve the following inaccurate accounts in my report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$89.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$540.00} XX/XX/XXXX Experian : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX IN Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX AXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$540.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Chase blocked my business account from wiring due to an internal coding error on the account. I was unable to execute a time-sensitive wire despite having available funds to do so. Despite being in the branch and the bank manager pressing the Chase back office to help, Chase ignored the request and failed to acknowledge the time sensitivity of my investment funding.
Product: Debt collection

On XX/XX/2021, I reached out to Midland Credit Management regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to act. I requested validation from Midland Credit Management on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received basically asked, " what I was disputing? '' I was not disputing the debt, I asked for validation. I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.
Product: Checking or savings account

I was supposed to receive a {$300.00} bonus for opening a checking account with BMO Harris after completing the following requirements within 90 days of opening the account : - 2 direct deposits of at least {$500.00} each - 10 debit card transactions. 

I met these requirements. I was told that I would receive the bonus 120 days after opening the account, but still have not. I called the bank and multiple long holds was told that the person I spoke with couldn't help me and I had to call back during different hours. I don't have time to jump through all these hoops just for BMO Harris to honor the terms they promised.
Product: Debt collection

On XX/XX/2020 I called the customer service line for Citi-Financial, my best buy credit card. I knew I had promotional balances expiring in XXXX of XXXX. 

It took me nearly an hour to find out how to make a directed payment to these particular balances, the web site is convoluted and difficult to navigate when one is trying to pay-off one of these balances -- the user is instead repeatedly sent back to making a general payment that does not apply directly to the balance you are trying to pay-off. So you search and search to end up calling the customer service line, the only way one can make this type of directed payment. 

I called the number, requested a pay-off quote for all balances expiring in XXXX. I received a quote from a customer service rep for {$350.00} and I paid this amount on the phone at that time. 

About a week later, I received a notification that I had a promotional balance about to expire in the amount of {$.00}. This particular purchase had been made in XXXX of XXXX  and would have carried with it a penalty of a year 's worth of interest, surprisingly, the balances with lesser interest to be charged were paid in full as requested. 

I want to warn the American people of despicable practices such as this being perpetrated against the American people. This is a crime, it is fraud. It is fraud being perpetrated across state lines via the use of Federally regulated phones lines. It is the type of crime that people don't have the time or resources to fight back against. 

My name is XXXX XXXX. I can be contacted at this address or by phone XXXX XXXX XXXX XXXX at any time to provide any documentation you may need. 

XXXX XXXX
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 1681.15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1692g 751 15 U.S. Code 1681b ( aX2 ). 15 U.S. Code {$1600.00} 15 U.S. Code $ 1692g
Product: Debt collection

The information on my credit report written below is inaccurate and fraudulent. I would like these items removed of off my credit. 

Radius Global Solutions 2022 Radius Global Solutions 2022
Product: Credit card or prepaid card

We took a {$60.00} cash advance in XXXX, XXXX. We have now noticed that at about {$8.00} a month in interest since XXXX we have paid over {$500.00} in monthly interest charges on that advance. In addition we now have a principal balance of XXXX for that advance, comprised of past monthly interest that was not calculated in the minimum monthly payment. Capital One Customer Service claims this is normal and that not all of the cash advance interest was included in the minimum payment calculation they used. That {$60.00} cash advance has cost us over {$800.00}, and would have exceeded {$1000.00} if we continued to pay the minimum amount. I feel that the way they calculated the minimum payment to not include the full monthly interest amount was an intentional method to increase interest charges, and paying over {$1000.00} on a {$60.00} cash advance is unethical if not against state or federal regulations. Additionally we only attached the statement for XXXX, XXXX and our latest statement XXXX, XXXX since all statements would exceed the 50 page limit. That is the only cash advance we have ever taken, and the current principal is on the latest statement.
Product: Checking or savings account

I opened a checking and savings account with Citi Bank on XX/XX/2020, and was subsequently mailed a debit card and temporary PIN mailer. Because I was just going to use the accounts as a savings account, I never planned on activating the debit card and stored the debit card and Temporary PIN mailer together in my bedside table in my bedroom. 

On XX/XX/XXXX I moved out of my house into an apartment. During the move, apparently the debit card and PIN mailer had fallen out and someone had picked them up. On XX/XX/XXXX, whoever got the card was able to activate by using the temporary PIN at an ATM. Once the card had been activated, they spent approximately {$4600.00} before Citi Bank notified me of potentially fraudulent activity.

Upon receiving a call from the Citi Fraud department, I immediately let them know that none of the charges made on the account were made by me and the Citi representative assured me they would cancel the card, send a new one, and that all the money would be refunded to me.

Since then, Citi denied my appeal of the charges, I have appealed roughly 7 more times with the same result, filed a police report and have gained the ATM footage of the woman using my card, and have spent roughly 20 hours on the phone with Citi.

I have written a 5 page letter to them explaining what happened and have included the police report and the ATM footage of the suspect.

Every time I call to verify that they have received the letter via fax, they tell me I have sent it to the wrong location and give me a new fax number to send it to. I have faxed the letter five times and sent a hard copy in the mail and they still can not confirm receipt of the letter.

Additionally, they refuse to contact the XXXX county police officer that conducted the investigation on my behalf and when I asked if he could contact them, they told me " He can call our general customer service line if he wants ''.

This has been the most unprofessional and frustrating banking experience in my life. I plan on escalating this matter to small claims court and suing Citi for their lack of in-place security as to how someone could activate my debit card without me knowing and spend that much money without any notification.
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX  XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX. ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX. - XXXX And correct employer is : XXXX XXXX XXXX XXXX ( only ) Please delete XXXX XXXX  XXXX And DELETE all hard inquiries
Product: Debt collection

The company has failed to provide comprehensive and compliant responses to my requests for debt validation, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. Importantly, I wish to highlight that they received both of my validation request letters, dated XXXX XXXX XXXX, and XX/XX/. In these letters, I explicitly requested the necessary information to validate the debt. Despite acknowledging receipt and providing responses, the information supplied remains insufficient and does not establish my connection to the alleged debt. Given my history of compromised personal information due to online security breaches, it is imperative that Resurgent Capital Services L.P. provides substantial proof, especially in light of the continuation of reporting that appears to be fraudulent. There is no photographic identification or any other evidence demonstrating that the debt is indeed mine.
Product: Debt collection

Dear CFPB Representatives, I am submitting a formal complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) against [ Name of Credit Bureau or Collection Agency ] because they are reporting collection accounts on my credit report as verified without providing proper documentation to substantiate their validity. 

The following accounts are in dispute : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX funding account number XXXX XXXX credence resour account number XXXX XXXX kinum Inic account number U XXXX XXXX. [ Creditor or Collection Agency Name ] I have previously requested that the credit bureau and/or collection agency validate these debts in accordance with the FCRA and FDCPA ( Fair Debt Collection Practices Act ). However, they have failed to provide verifiable documentation proving that these accounts belong to me or that the reported information is accurate. 

Since the FCRA mandates that credit bureaus remove any information that can not be properly verified, I am requesting that the CFPB intervene in this matter and require the removal of these accounts from my credit report. 

I have attached copies of my prior dispute letters, responses ( if any ) from the collection agency or credit bureau, and a highlighted copy of my credit report showing the disputed accounts. I am also including a copy of my identification for verification purposes. 

I appreciate your prompt attention to this matter and look forward to a fair resolution under consumer protection laws. Please feel free to contact me at the provided address or email. 

Sincerely,
Product: Checking or savings account

I went to open a bank account with Navy Federal Credit Union, and I was denied access. When I inquired about the reason I was denied, the bank teller told me I had committed fraud with a previous account, also because I have outstanding balances with other banks such as XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX. The banks listed above never notified me that they were going to report this information to any consumer reporting agencies. and the information they reported was not accurate per the FCRA. I am a struggling Veteran who needs access to his bank account to get my life back on track mentally and financially, this denial hinders me from moving forward in life being blacklisted by the banking system whom I've lost trust in with limited access to credit, loans etc. failure to remove this information will result in me seeking legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$0.00} ERC XXXXXXXX Balance Owed : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Student loan

I have been defrauded by my now defunct college, XXXX XXXX XXXX XXXX. This school, that was based in XXXX, IL, FORCED me to take out PRIVATE Student Loans, from XXXX XXXX. The debt and monthly payments were insurmountable, so my only choice was to consolidate this debt, with then XXXX XXXX XXXX. I made all my monthly payments, while struggling to make ends meet, and then had moved out state, with my husband. where we had our first child. There, I could not find work, and since have been struggling with this unlawful and insurmountable debt. A few years later, my school, XXXX XXXX XXXX XXXX, was PERMAMNENETLY CLOSED. ALL my Federal Student loans have been forgiven in a XXXX XXXX case, but I am having problems with a Private Loan from XXXX. 
This loan is OBSOLETE, and therefore should be completely remove and balance cleared.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by CMRE XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax, XXXX, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting according to federal law. I have several items on my credit report that are inaccurate. They are in violation of the FCRA.