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

I am writing to file a complaint on file for the violation of my rights by your company. This is not a new dispute to be placed. You have a grave responsibility to make sure that a formal investigation is conducted and if during the investigation any information not verified must be deleted. Unfortunately, I don't have confidence that you properly verified the alleged bankruptcy listed on my consumer file. According to your response to the cfpb complaint that the source is listed on my consumer file and your website, all public record sources is the federal court and XXXX XXXX. 

I contacted the XXXX XXXX and received a letter from the clerk that the XXXX courts does not report to consumer reporting agencies. I contacted XXXX and received a letter that the alleged bankruptcy was not verified and was removed my XXXX report. Also effective XX/XX/2022 XXXX XXXX verified that all Public record information has been suppressed. So How did you conduct an investigation and verify information that is not listed with your sources? 

I have the right privacy and confidentially, you are in violation of 15 USC 1681i ( 5 ) -Procedure in case of disputed accuracy section 5 Treatment of inaccurate or unverifiable information. 

Attached are proof that the alleged bankruptcy is not listed with your public record sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. I am a victim of identity thief, there is multiple account on my credit profile that does not belong to me. Through XXXX  identity thief victim website i was able to confirm that in fact my information was stolen in the data breach and could possibly be used to open up fraudulent account. During that time i had no idea that my credit was being used fraudulently till i was denied a student loan and wasn't able to get help due to my score. I was denied entry into school because i could not pay for my tuition. I sent multiple letter in the past regarding my identity thief but never got a response from any of the credit beau. I now would like to see any kind of document from any of the account because XXXX  has repeatedly said it was verified and the account belongs to me but they can not provide any supporting document. I would like to see the paperwork that was obtain from the creditor so that I can prove that it dosent belong to me.
Product: Credit card

{$7800.00} reports as charged off and closed credit card ending in XXXX on all three credit reports. Ive request a 1099-c to file with my taxes. However USAA says they do not have to generate one until a few years down the line after they shop the debt around to debt collection agencies however the refusal to generate and mail a copy of my 1099-c is unlawful as USAA has already reported as charged off and it currently negatively effects my credit score. I have audio confirmation.
Product: Debt collection

Jefferson Capital Systems has reported to XXXX that I owe money on a XXXX account that I never opened. It says it was opened in XXXX despite the fact that XXXX wasnt a company since XXXX, and I havent had service with sprint since XXXX. 
Ive never received any letters or anything in writing.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Checking or savings account

I hold 2 checking accounts with the bank which hold bounce protection. 

Problem with account XXXX There is bounce protection but it does NOT pay and charges the account fees if insufficient. 
Problem with both accounts is that Flagstar Bank has had online banking unavailable several times since XX/XX/XXXX which allows no access to accounts and transfers between. When transfers are unable to go between accounts they all hit WITH the fees which are up to 5 at a time.

I have had {$640.00} in Overdraft fees for 2018, the fees in XXXX   never pay the bounce protection and XXXX account delays transactions which allow no time to deposit to avoid fees.
Product: Checking or savings account

I deposited an {$8000.00} treasurer 's check from XXXX XXXX, provided by my mother to help cover rent, bills, and medical expenses, on XX/XX/year>, at XXXX XXXX  at Citibank ATM XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX NY. The following morning ( XX/XX/XXXX ), I discovered that my account was inaccessible through the Citibank app. I contacted a representative who informed me that my account had been flagged and placed on hold but could not provide any details on when I would have access to the funds or my account. I also visited the branch where I made the deposit, but I still did not receive a clear explanation as to why the block had been placed or when I could expect to regain access to my money. 

On XX/XX/XXXX, more than 48 hours after depositing the check, I called Citibank again in an attempt to resolve the matter, but once more, I did not receive a satisfactory answer. I have not received any written communication or official notification regarding the block. Representatives have been unclear and have repeatedly transferred me between departments, placed me on long holds, and promised callbacks from supervisors that never occurred. 

This situation has caused severe disruptionsI missed a scheduled credit card payment, which has now bounced, and I am currently late on my rent payment. Additionally, I will likely have to reschedule critical medical appointments that I booked months in advance because Citibank continues to hold my funds and block my account without clear justification or a defined timeline. 

As a consumer, I am entitled to transparent communication and timely access to my funds. I am requesting the Consumer Financial Protection Bureaus ( CFPB ) assistance in investigating this matter and advocating for a resolution. Specifically, I need immediate access to my account and funds and a formal explanation from Citibank detailing the reason for the account block and an expected timeline for resolution. Your prompt attention to this issue is greatly appreciated, as it directly impacts my financial stability and well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 XXXX  breach, DoD Email Breach,  XXXX XXXX hotels breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow the Law!
Product: Debt collection

Been trying to get procollect to validate a debt they say I owe but they refuse to validate it, I been asking over 6 months & still they refuse, calls, emails, certified letters, emails, XXXX complaint, FCRA. Complaint & if it 's my debit please validate it cause it 's not money & they trying to collect money something I do n't owe, they placed it on my credit but wo n't validate it XXXX I  spoke with her on XX/XX/XXXX she claim she was going to send a validation and I have yet to receive anything ... cause this is a fraud collection agency & they ca n't validate theses debits they trying to collect on..I am XXXX & if the trying to scam me I can imagine how they doing the elders they take advantage of people, they try to make you pay something not yours & wo n't validate the bill ... If they knew this was my bill they would have been validate this but they ca n't cause they do n't have nothing to validate with but they keeping it on my credit & when I dispute it they says it 's validated but wo n't send proof to me!! I emailed the office back cause they told FCRA they will be sending me Validation I will upload the email I was sent a few mins ago ... I have USPS mail where my mail gets scan in the system & I receive a email every morning what 's coming in my mail box ... NOTHING FROM PROCOLLECT but let him tell it he been sending for years how when I just disputed this month 's ago it 's not making sense at all I called post office it 's going to take 3 business days to get me a print out of all my mail from the last part 3 years to show it 's nothing from then this is how bad he LIE ... if you lie about a simply validation wow what about the account it 's self!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on several occasions with XXXX, TransUnion & XXXX. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the account.
Product: Payday loan, title loan, or personal loan

I sent a billing error notice to Security Finance, which was received on XX/XX/2021, requesting documentary evidence to verify the source of funds pursuant to 12 CFR Part 1026.13 ( a ) ( 6 ). In my request, Security Finance was supposed to provide the books of accounting for both the public and private sector particularly IRS Publication 583. I have called on multiple occasions regarding this matter, but Security Finance has failed to respond. It has been beyond 30 days and Security Finance has defaulted on the matter. 

I also sent the organization a cease and desist in XXXX. The cease and desist order was to cease all communications. The company has sent late payments to all consumer reporting agencies without acknowledging my billing error dispute and without providing the evidence of indebtedness. 15 U.S. Code Section 1692a ( 2 ) defines communication as the conveying of information regarding a debt directly or indirectly to any person through any medium. The organization is in violation of the cease and desist order.
Product: Mortgage

In XXXX of XXXX we paid {$17000.00} to XXXX XXXX XXXX XXXX XXXX XXXX for the interest on our reverse mortgage. We were hoping for an interest deduction for our XXXX income taxes. However, when we received the XXXX, that {$17000.00} was listed as 5. Mortgage Insurance Premiums, which as of XXXX, is no longer deductible. In the year from when we paid the amount, to when we received the 1098, the company offered no explanation as to how they would treat this payment. When I called and asked for an explanation on XX/XX/XXXX, I was told that the order is listed on the monthly statement. All that is listed on the monthly statement are the amounts of interest and mortgage interest that have been added. I called the gentlemen who helped us with our original reverse loan application, XXXX XXXX with AAG, and he said the mortgage insurance of the original loan was the reason for the mortgage insurance evaluation on the 1098. Once again, this is the only explanation after one full year after we made the payment.
Product: Debt collection

Lvnv funding LLC is charging for a debt that was already charged off and wrote off by the original creditor that I signed a legal contract with. And by lE it's illegal to collect on a debt that was already paid for by law. 

Section 604 15 USC 1681E ( B ) Section 605 A 15 USC code 1681 C-1 Section 605 B 15 USC code 1681 c-2 I tired of the false/fraud from this company. 
Not only that this company is not licensed in the state of New York. They are reside in the state of Nevada. It's illegal all the way. 
This has cause me to have XXXX and XXXX because of this false information I can not move on with my life and I don't think this is fair to any individual. Thank you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX 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 Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00} ; 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 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, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX a company called XXXX XXXX had pulled my credit thru major banking institution without my permission. When alerted by credit karma and life lock on the XXXX, I immediately approach the dealer to investigate and feed my question. I was told after speaking with sellers that a young man came in by the name of XXXX and said he wanted to finance a XXXX car by infinity. My name is XXXX. So they said the young man told them that his so called father was away in Texas and then proceeded to put this person on the phone. They said the person said they were me and gave my social and that was enough for them to pull my credit XXXX different times. No i.d in front of them with the person there and they said it gave them enough to pull the credit
Product: Credit reporting or other personal consumer reports

I have received notice that XXXX of my credit cards has been closed on the bases of a report provided by the company in question. I have sent a certified mail request for such report more than a month ago ; haven't received any response
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) .FRAUDULENT INQUIRES : 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: Mortgage

I would like a debt validation claim. According to 15 USC 1692G, I want the following documents : a full detailed list of the payment history on this account, I want to see the original signature that I agreed to on the contract for this creditor ( XXXX XXXX ), I want to know if there has been any insurance claim filed on this account, and I want a chain of title that XXXX XXXX has to collect on this account.
Product: Credit card or prepaid card

I was issued a California Prepaid Bank of America Debit Card to receive XXXX benefits. In order to transfer the money to my checking account I was required to set up an account on the website, however, the website continually generated an error message. 

Over the course of a week, I spent over 5 hours with customer service trying to resolve the issue. I was asked to clear cookies, try different browsers, different computers, and use alternative URLs. Nothing worked. During this experience, I was placed on lengthy holds multiple times and experience the line going dead. 

It was confirmed to me that the information I was entering was correct and that the error was with their website. Despite this I was continually told to enter the same information, each time locking me out of the website for 24 hours. Bank of America siad they'd call back, but couldn't find a time that worked with my work schedule and the matter is still unresolved.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 Dear CFPB Representative XXXX I am filing a formal complaint against XXXX XXXX , my student loan servicer, regarding issues with my loan account [ Loan Account Number ]. 

Details of the Complaint I have experienced the following problems with XXXX XXXX : Incorrect loan balance, failure to process income-driven repayment ( XXXX ) requests, misapplied payments, unauthorized fees, poor customer service, inaccurate reporting to credit bureaus, delays in XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). 

They have failed to retrieve information that was given. 

It has caused financial hardship, credit damage, denied loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax breach exposed my information, so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 


XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Checking or savings account

Between XXXX early XXXX wellsfargo I felt stolen myself XXXX and XXXX  benefits and applied my benefits to over drafts myself had no clue about view XX/XX/XXXX through XX/XX/XXXX wellsfargo did myself an unjust service and did not care regarding investigation myself request
Product: Debt collection

Just finished my XXXX degree. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( LVNV Funding , LLC ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.