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

Dear Sir/Madam, I am writing to formally dispute the information regarding the information that has been placed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Credit Reporting Guidelines. The account information provided by your agency is inaccurate, incomplete, and does not comply with the requirements set forth by federal law and industry standards.

Specific Disputes : 1. Incorrect Reporting of Account Status : The account is reported as " Collection/Chargeoff '' with a derogatory status. However, the details provided are inconsistent and incomplete. For exam
ple : - The " XXXX XXXX XXXX  '' is listed as " XXXX XXXX '' which contradicts the status of a charge-off. 
- The " XXXX XXXX XXXX XXXX '' and " XXXX XXXX '' fields are also marked as " XXXX XXXX '' making it impossible to verify the accuracy of the account status.

2. Violation of Metro 2 Guidelines : - The Metro 2 guidelines require that all fields be accurately completed to ensure fair and transparent credit reporting. The incomplete and inconsistent information provided violates these guidelines.

- The account is marked as disputed by the consumer, but the dispute is not reflected in the reporting, which is a violation of FCRA Section 611.

3. Failure to Verify Debt : - I have not received any validation of this debt, including the original creditor 's name, the amount owed, or documentation proving the debt is valid and enforceable.

Request for Action : Under the FCRA, I request that you : 1. Conduct a thorough investigation of this account and provide me with all relevant documentation, including : - The original creditor 's name and contact information.

- A copy of the original purchase agreement or contrac
t that establishes the debt.

- A complete payment history, including all transactions and charges.

2. Correct or delete the inaccurate and incomplete information from my credit report.

3. Provide a written response detailing the results of your investigation and the actions taken to resolve this dispute. 

**The purchase agreement must be included in the investigation** as it is essential to verify the validity of the debt. Without this document, I can not confirm that the debt is legitimate or that I am legally obligated to pay it. 

If you fail to investigate and correct the inaccuracies within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

My Information was stolen during XXXX data breach and XXXX XXXX XXXX . It has affected my livelihood and altered my credit score drastically. I'm unable to live because this has destroyed my life.
Product: Checking or savings account

XX/XX/XXXX of XXXX, I received an insufficient funds notice. I thought this can't be right I have about XXXX in my account. I had sold my home and put the proceeds in my account. I had been living in XXXX for 5 years and never in all that time did I write a check. My former tenant was the purchaser of the home. Shortly after the closing, he must have found some old checks in my husband 's desk, He started forging my name and wrote XXXX checks to himself. Totaling XXXX. M & T bank knew me as a customer. they knew my renter, they gave him a mortgage on the house... they never once alerted me to a single transaction. For years, I had an understanding with the bank to alert me of any transaction over XXXX. They allowed all these forged checks to be paid out. Some were for XXXX, XXXX. XXXX ... I was not alerted to any one. Just when he had cleaned me out! Matters were made worse when I was told that no banking regulators in PA could do anything, as M & T are headquartered in NY. I need to be made whole for this terrible theft and criminal negligence on M & T 's part. The State Police were involved and XXXX XXXX XXXX... but while I am waiting for a solution ... the thief just burned the historic brick Building down to the ground.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the CFPB filed a lawsuit against XXXX and XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to properly address consumer disputes. 
Re-inserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers effectively about investigation results. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Collection agency. CENTRAL CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX / XXXX Reporting debt from another person on my credit report. 
after several phone calls the agent were unable to validate and or locate neither my address, my name, by the amount owed or by the account number. 
I am disputing the validity of the debt reported to all XXXX credit bureaus by CENTRAL CREDIT SERVICES
Product: Checking or savings account

I had the account for approximately 3 months. Have been doing bi-weekly direct deposits from my employer into the account. Since my last deposit on XX/XX/XXXX at some point the account had been closed I did not notice it until today XX/XX/XXXX  expecting for a new deposit. There was no email or phone contact. I called customer service multiple people were not able to tell me why the account was closed. I am a previous Bank of the West account holder that was closed approximately 9 months ago.
Product: Credit card or prepaid card

Bank was paid in full payment but they are holding the funds for 7 business days they will not let me access my credit card I only have this credit card I am stranded in California I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was compromised. Instead of reaching out to those it believed were involved I had to investigate it myself to prevent potential usage of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an accurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into hands of the wrong person.
Product: Debt collection

1st, I have never lived at the address this bill was charged to. 2nd, this debt was removed after filing a complaint to Equifax. Finally, I didn't realize I had to file a complaint with XXXX too in order to have get this removed from my credit.
Product: Credit card

This dispute is against Universal Citibank card. They dramatically increased my interest rate after 20 years because of a recent forgotten late payment. The CFPB says they can't do that if paid within 60 days. They have so far not offered a reasonable explanation. All they said was it wasn't illegal, which is not true.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX, XXXX, TransUnion I am writing to formally dispute inaccurate information on my credit report, which I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies as mandated by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers effectively about the results of investigations. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes may be handled in a similar manner. 

Under the FCRA, you are required to conduct a proper investigation in a clear and comprehensive manner. Please review the inaccurate information being reported on my credit report. 

If the disputed information is verified as accurate, I request that you provide me with any documentation you rely on for such verification. If you find the information to be inaccurate, I request its immediate removal or correction from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. 

Failure to resolve this matter appropriately may leave me no choice but to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first challenged the public record on my credit report on XX/XX/XXXX with the credit Bureaus because I was unsure of this information : Us Bankruptcy Court XXXX XXXXXXXX Reference number XXXX - XXXX XXXX Dismissed. I spoke with a Bankruptcy Lawyer in XXXX but NEVER filed any paperwork or did anything else, I was just inquiring. I saw this information on my report and challenged with the Credit Bureaus on XX/XX/XXXX. They responded back that it was accurate which I was confused about, so I researched the FCRA and it stated I needed to reach out to the original creditor, the Bankruptcy court. I have attached the information that they responded to me with in which they DO NOT send information to the credit bureaus. This is perplexing because pursuant to the section 611, paragraph 5, subsection A, of the FCRA, they are supposed to delete this information if its not verifiable, which I've proven. I I'm requesting you to remove this item, as required, by law, due to lack of verification. You, as a credit bureau, willing provided false information, which is illegal under federal law. 

I have sent the corresponding paperwork to the Credit Bureaus again on XX/XX/XXXX and XX/XX/XXXX but to no avail which is what brought me to this process. I request this information be deleted because I have proved it is inaccurate an non verifiable
Product: Credit reporting, credit repair services, or other personal consumer reports

well i was disputing a collection and the 30 days is up and they never have answer me Direct Dispute In partnership with Submission Pending Submitted to TransUnion Under Investigation CompletedXX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/ and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX XXXX Closed on major U.S. holidays
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only did Equifax not ensure the security of so much valuable information, their response has been awful. There seems to be no real follow-up, especially given their generic search tool to see if I have been impacted. The results are untrustworthy. Additionally, they have not done much to communicate the error. To top it all off, many of their executives sold off a bunch of their stock before this story hit the press. Seems a little bit too fishy for coincidence. It is very frustrating that a company with so much precious data would be so incompetent at securing it, especially regarding preventative measures. I have a very busy career, and am also regularly busy in my home life. It is difficult to know that for the foreseeable future I will have to take extra time navigating credit information to monitor all of my accounts more than normal, make sure that all IRS/tax issues are closely monitored, and will be constantly nervous that identify theft can potentially happen at any time, regardless of the precautions that I have taken to avoid it.
Product: Checking or savings account

Subject : Dispute Over Negative Balance, Overdraft Handling, Delayed Transactions & Denied Compensation For Overdraft. 

Current Balance : - {$33.00} Dispute Reason : I am disputing the negative balance of {$33.00} on my XXXX XXXX  account. I am currently enrolled in the Auto Decline overdraft setting, which is supposed to decline transactions that can not be covered by the available balance. Therefore any transaction that can not be covered by the available balance should have been declined, not being authorized to clear. The overdraft policy by capital one explicitly states that transactions I can not cover will be declined. Despite this setting, my account was allowed to go negative, violating your overdraft policy. As per the overdraft settings, transactions should not have been authorized if there were insufficient funds. I was aware my account did have sufficient funds, capital one & merchant transaction delays played a role into pushing account negative with sufficient funds in account. 

Additional Concern : I had sufficient funds in my account, but delays in transaction processing by Capital One and the merchant pushed my account into a negative balance. When I brought this issue to your attention, I was unfairly denied compensation for this overdraft, which occurred due to Capital Ones failure to enforce the Auto Decline policy and its failure to process transactions promptly. This is unacceptable, as your policies clearly state that transactions will be declined to prevent such situations. 

Legal Basis for My Dispute : XXXX. Regulation XXXX ( Electronic Fund Transfers Act ) : Under Regulation XXXX, financial institutions must obtain consent before charging overdraft fees for debit card and ATM transactions. By allowing my account to go negative without adhering to my Auto Decline consent, Capital One willfully violated federal law. As a result, I may be entitled to statutory damages of up to {$1000.00} per violation. 

XXXX. Unfair or Deceptive Acts and Practices ( UDAP ) : Capital One misrepresented its overdraft policies. The overdraft fee was unauthorized or illegal. This situation also reflects a violation of consumer protection laws under UDAP. Allowing transactions to push my account negative, despite my Auto Decline settings, is an unfair and deceptive practice.

Supporting Details : 1. My account is actively enrolled in Auto Decline, as displayed in the overdraft settings.

2. My overdraft settings clearly state Auto Decline to prevent transactions I can not cover.

3. Auto Decline states that transactions exceeding my balance will not be authorized. 
XXXX. A negative balance of - {$33.00} occurred despite the above settings. 
XXXX. My request for compensation of XXXX was denied, even though the overdraft occurred due to a failure of your system to enforce the policy. 

Despite this setting, my account showed a negative balance that I the consumer had to replenish, taking my account out of a negative standing in order to utilize the debit card with Capital one. 

Thank you for your attention to this matter. I look forward to a resolution.
Product: Debt collection

Today, I got a call, while at work, from the XXXX County District Clerk office and The phone number was XXXX, which I XXXX  and confirmed the number is real. The " clerk '' advised me that they were trying to serve me with a paper, but I haven't been home to be serve. They also said I was being sued for Fraud and to called XXXX with this XXXX # XXXX for more information. When I called that number, A lady name XXXX said she was paralegal and they were a law firm, then asks for the case number. Once I gave it to them, She verified my first and last name, address, and my full social security number to me ( I did not offer that information ) and also that I haven't been serve yet. She said that XXXX XXXX XXXX is suing me for fraud because I didn't pay them and I had the intend not to. They kept asking when I will be home to serve me. I ask is there any way for me to not be serve and offer to pay it. They said they will ask and put me on hold for a while then said yes, if I paid {$1700.00}. I went ahead and paid it and they have a collection company ( National Management Recovery Corp. ) emailed me a receipt. They never told me the name of collection company. they claimed they will cancelled the lawsuit. After getting off work, I thought about it and realized it may have been a scam and I try to contract the County clerk office to verified the lawsuit but no one answered. I believe that it was a collection company misrepresenting themselves has a law firm. I called my bank and cancelled my debit just in case the try to charge me again and the bank said the transaction was a medical company, so they are looking into it. I attachment a screenshot and you can see where the XXXX XXXX clerk call me and the receipt I got from the collection agency.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX AND XXXX  XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  AND XXXX XXXX  XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Checking or savings account

On XX/XX/XXXX, I noticed significant fraudulent activity on my Chase debit card, I found that there were over 200 transactions totaling {$26000.00} from XXXX and their subsidiaries ( XXXX, XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX ). I reached out to Chase immediately to stop payment and close my card. As we could not get a hold of anyone at XXXX, we filed a complaint with the XXXX  on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, from XXXX contacted me. In our discussions with him, we learned that 61 accounts were opened with XXXX ( and their subsidiaries ). The transactions started on XX/XX/XXXX and ended when we closed the card on XX/XX/XXXX. XXXX also told us that only a valid US credit card is needed to open an account and they dont authenticate the card owner. At no point during this time period did Chase report suspicious activity with these transactions and vendors we had not done business with before. We also filed a police report with our local Police Department on XX/XX/XXXX. 

We also noted fraudulent accounts were opened with XXXX and XXXX. This activity, XXXX transactions, occurred between XX/XX/XXXX and XX/XX/XXXX for a total {$220.00}. Neither of these companies will share information with me. However, on an electronic communication with XXXX they said the email associated with the fraudulent account set up with my debit card was, XXXX. XXXX told me the email looks fraudulent as it only contains random numbers and letters. 

Even though the nature, scope, activity and dollar amount are significantly different, Chase has linked these claims together. Their final decision is that as we did not notify them of the XXXX activity within 60 days of the first transaction on our statement none of the fraudulent charges will be reversed. Including all of the {$26000.00} XXXX transactions. 

We do not know the identity of the person who stole my debit card number. We have been talking to XXXX, but they will not share account information with me and will only provide it to Chase or Law enforcement. To date, no one from Chase has reached out to XXXX. Chase will not refund me the stolen funds. Total amount is XXXX $ {$26000.00}, XXXX {$220.00}, so a total loss for us of {$27000.00}.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and Experian has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1300.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3.00}, XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PL XXXX XXXX XXXX SD XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$550.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXX TAB BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : XXXX DATE OPENED : XX/XX/XXXX