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

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

I have been repeatedly texted two to three times a week including an email was sent to me in XXXX XXXX stating the amount I owed. This emails, phone calls, voice mails and especially the text messages are extremely overwhelming to me as it doesnt stop.
Product: Debt collection

TSI i s reporting account number  XXXX  on my credit report after it was paid. I was told it would not be on my credit report.
Product: Debt collection

I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. 

I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.
Product: Checking or savings account

Yesterday XX/XX/2023 I registered a checking account from the keybank website and did a required opening deposit of {$10.00}. Then this morning when I got home from work and tried to log in to my account, I received " Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX. '' Then I tried to call the customer service number and they said either I go to the branch email to submit the required verification documents. I said that it is inconvenient for me to go to your branch because there is only one key bank in the whole New York and it is extremally far away from me. In addition, I XXXX XXXX XXXX XXXX XXXX XXXX so I have no time or chance to go there. So I chose to submit the documents they needed in the form of Email, and then the customer service told me to hold for a while, after she came back and said no, I had to go to their branch. I said that I will close my account directly, I dont want it anymore, and I dont want to go so far, they said that whether you want to close or unlock the account, I have to go to their branch. I XXXX it and found that many people like me opened their account on the first day and were locked on the second day and asked to go to a branch far away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an 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 reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance {$13000.00} Opened On XX/XX/XXXX XXXX XXXX, XXXX. 
Balance {$250.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$38000.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$23000.00} Opened On XX/XX/XXXX XXXX ACCOUNT XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$930.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open XXXX XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX   XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$670.00}
Product: Credit reporting or other personal consumer reports

I am not liable and refuse to pay this debt with XXXX, I have no contract with XXXX XXXX XXXX  in regards to account # XXXX. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance
Product: Mortgage

I am required to carry Flood Insurance on my home. Per the 1994 FEMA Reform Act, a copy of which is attached, I am only required to carry a policy for the outstanding principal balance of my loan which is currently {$130000.00}. This is the lesser of the 3 requirements. 

Attached is a copy of my Insurance Dec Page, with coverage for over XXXX. When I requested a reduction of my coverage limits, Citibank required me to carry coverage for XXXX AND withdrew funds from my escrow to pay for this " gap coverage '' Per my conversation with FEMA this is in direct violation of their policy. 

Per my conversation with Citibank Mortgage, they just require additional coverage?? This is unacceptable. This violation has cost me hundred and hundreds of dollars for unnecessary insurance premiums, which also has resulted in my monthly payment to increase hundreds of dollars.
Product: Mortgage

On XX/XX/20 I was shopping on line for rates to refinance a jumbo mortgage with a 30 year fixed rate. I found that Webster  Bank was advertising a 30 year fixed jumbo mortgage at 3.0 percent, APR 3.012 percent. I am attaching below a screen shot of that advertisement on the Webster Bank website. Over the next two weeks I checked again on line a couple of times and discovered that the same rate was still advertised. 
Today, XX/XX/20, I contacted Webster Bank and a loan officer returned my call. He quoted a 30 year fixed jumbo rate for refinancing a mortgage at 3.25 percent, APR 3.263. The 30 year fixed jumbo rate for a new house purchase was slightly lower but also above 3.0. The loan officer said that there was no 3.0 rate for a 30 year fixed jumbo mortgage and had not been one previously at that rate.

To be fair, when I had the loan officer check Webster Bank 's website, he was extremely concerned about the incorrect advertising and sent a message to his manager. 
However this should never have happened and should be sanctioned and/or monitored. 
I will attach the screen shot below.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I transferred ~ $ XXXX from my bank account in XXXX to my citi bank account in XXXX XXXX XXXX XXXX, XXXX, Il, XXXX. This is the third time in two years I have been transferring money from my XXXX bank account to my Citi bank account as I am a current XXXX student and I need to pay for my tuition ( the bank obviously knew that ). This money transfer triggered a reaction where Citi decided to close my bank account. They never informed me about that! Nor did they inform the branch! I only found out about it after one of my rent payments bounced back. 
Ever since that day, it has been over a month (!!! ) now, I HAVEN'T RECEIVED MY MONEY. Citi have decided to " send me a check with my money ''. But, this is in fact not true. 
On XX/XX/XXXX I tried reaching my branch, while I was still in XXXX. The branch couldn't help me and told me to talk to customer service. I did so, and they told me to talk to my branch. On XX/XX/XXXX I walked to my branch and talked to XXXX XXXX, a personal banker in the branch. She couldn't assist me and told me that she had nothing to do but that she would check it and give me a call. Citi HAVE NEVER EVER CALLED ME OR INITIATED REACHING OUT TO ME AT ANY POINT OF THIS 1-MONTH HIDEOUS PROCESS. XXXX never called me back and customer service couldn't help me. I then approached the branch XXXX, XXXX XXXX, who also told me that he can't help me and that my account was closed and he can't do anything about it. 
Both XXXX and XXXX told me that they have nothing to do and that the check with my money was sent to me and it'll arrive in 14 business days. 
At the same time, I had to ( and still have to ) pay my credit card debt due- XXXX couldn't understand why I can't pay the amount due ( because I don't have a bank account ) and, again, didn't offer to help me with handling with the credit card department. 
The 14 business days have past, I never received my check- I called Citi customer service, they told me that it should have taken 5 business days ( the branch personnel lied ) and that they will send a new check. The 5 business days have past and I called customer service again- and they told me that actually the check was NEVER SENT and that I should talk to the fraud department as my file is still under investigation. I called the fraud department, they said that they can't help me. 
At this point I really lost hope and I am not sure what to do anymore. All of my money in the world is held hostage at Citi and NO ONE can help me with that at Citi. It seems like they all lied throughout the process and promised me things that are wrong, moreover Citi have never ever called me/e-mailed me or anything. 
This is a pain, this is frustrating and I wish that someone can help me with that.
Product: Checking or savings account

Citibank has sent repeated checking account invitations to a person who has never lived at my home, XXXX XXXX, whose address is XXXX XXXX XXXX XXXX XXXX, NOT XXXX  XXXX, which is MY address. All previous correction attempts have been ignored, & I have no knowledge of this person. The enclosed uploaded documents show incorrect address AND a XXXX search proving his voter registration with XXXX XXXX Immediately correct the issue as I am considering legal action for this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized child support to take money or report it on my credit report it is unconstitutional and goes against 18 u.s code 1028A aggravated identity theft and also I received my papers i was not legally served and it's not even stamped at the top and it also is not judicial it's administrative that means it's illegal there was proper procedures followed
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXXREPORTED XXXX Balance : {$84.00} ; XXXX SELF-REPORTED XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft , not later than 4 business days after the date of receipt.
Product: Debt collection

I have an account in collection and contacted the LVNV funding to advise that the account was fraudulent opened and that XXXX XXXX the original owner of the account closed the account as fraud. 

they purchased the account and have asked me to for documentation for which I do not have. so I asked that they contact XXXX XXXX and have the account disputed. they transferred me to XXXX XXXX. 

who I have consistently called every 2 to 3 days since XX/XX/XXXX, advising them I needed to have this account removed and if after my dispute I would work to settle the account. 
every time I called they stated still in dispute. 

on XX/XX/XXXX when I called 3 days after my XX/XX/XXXX call they advised a judgement was issued on XX/XX/17 and that I could not settle and the dispute was still in process. 

they were not transparent with what was happening with my account and did not offer me to settle but sent for judgement during the dispute and I believe this account should be removed. 

I have tried for quite some time over a year to get this account settled and neither XXXX or LVNV funding would work with me? 

can someone from your office contact me with regards to what I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Re : Debt Validation Request To Whom It May Concern, I am writing regarding an account, which XXXX XXXX XXXX has reported to the credit bureaus as a collection account. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am formally disputing the validity of this debt and requesting proof that XXXX XXXX XXXX has the legal right to collect this debt. Please provide the following documentation : 1. **Validation of the Debt** Proof that the amount of {$3600.00} is accurate and owed by me. 
2. **Proof of Ownership** The purchase agreement between XXXX XXXX  and XXXX XXXX XXXX XXXX 
3. **Itemized Account Statements** Detailed records of the account, including all charges, payments, and interest applied. 
4. **Proof of Licensing** Verification that XXXX XXXX XXXX is licensed to collect debts in my state ( California ) . 
This is not a refusal to pay but a request for clarification. Until the requested documents are provided, I request that no negative information about this debt be reported to credit bureaus, as this would constitute a violation of the FDCPA. 
Additionally, I request that you cease all communication with me regarding this debt, except to provide the requested validation. Please respond through the CFPB portal within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX Social security XXXX
Product: Debt collection

This debt has been paid and is scheduled to be removed from my credit report in XX/XX/XXXX 2017. I am requesting that it be removed from all three major credit bureaus immediately as this negative account is hindering me from obtaining credit.
Product: Credit reporting or other personal consumer reports

Current {$660.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX below are a list of accounts I disputed due to fraud, and feel as if they were not fully investigated and was give a automated response, just saying accurate, and I have disputed more then once with the credit companies, this is really hurting my credit XXXX XXXX XXXX Opened XX/XX/XXXX {$70.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$890.00}
Product: Checking or savings account

Use of a non-Suntrust ATM charges a fee to the withdrawing bank ... understandable. But now Suntrust is also charging the same fee on the backside ; what a gouge!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a written dispute letter via certified mail to Transunion LLC Consumer Dispute Center. The account still remains and have not been fully validated. 
On XX/XX/2022, I sent another written dispute letter via certified mail and the account still remains and have not been fully validated. 
Credit reporting company : Transunion LLC Consumer Dispute Center XXXX PA XXXX Account being disputed XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiry not tied-up to open accounts : XXXX XXXX XX/XX/year>