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

I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1. Account Name : XXXX XXXX Account Number : Reason for Dispute : Account states Open, Incorrect information report, balance Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the
information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ).

This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. 
Thank you for your immediate attention to this matter. 
XXXX
Product: Debt collection

US Collections West is currency reporting on my credit report fraudulently in the amount of {$2400.00} as of XXXX XXXX, 2018. Ive made several attempts notifying them that this account needs to be deleted. I obtained documentation from XXXX XXXX Courts stating that the file was destroyed and I owe {$0.00}. The documentation will be attached to this complaint.
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. 

Account name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. states I have a right to my 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these companies nor did I apply, I am guessing someone who stole my wallet at that time had my identity and applied for all these things. This is incorrect Credit reporting on my end, and I am suffering loss due to these hard inquiries I have not applied for The Fair Credit Billing Act ( FCBA ) is a 1974 amendment to the Truth in Lending Act that puts in place consumer protections against inaccurate or fraudulent credit card charges and other billing errors.

If unheard please refer toSection 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute
Product: Debt collection

THIS IS NOT MY ACCOUNT AND WAS OPEN UNDER FRAUD I ADVISE THE COMPANY OF THIS YEARS AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried to dispute a bankruptcy for months and months and it just keeps coming back as verified which trans union will not send me who they talked to and what was said between both parties and what dates i am aware that Credit reporting Agencies are suppose to go to the actual furnisher now to verify the accuracy of this negative item on my report which Trans union has failed to provide me anything from the court saying that this is my record and that it has been verified by said person and at their number so now that i have said this i am certain that trans union has violated my rights under the fair credit reporting act which means they provide me with the proof of the results from the original furnisher which would be the us bankruptcy court i would believe and pacer is not a form of verifying from the original furnisher and Trans union cant tell me this time that i have n't sent in a dispute about this because i got my dispute results from  XXXX / XXXX /2017 which says the bankruptcy was verified and unchanged for one if someone has a discharged bankruptcy and has an amount of   XXXX   as a discharged amount or liability of   XXXX   then it is being reported wrong on everyone 's report besides mine so please respond with proof from the us bankruptcy court in   XXXX   XXXX   XXXX   to prove this is my bankruptcy or get this off my record now
Product: Money transfer, virtual currency, or money service

I was looking for a chow chow dog online n I found their website i checked it out there was lots of available dogs nI finally picked that dog names XXXX. I didn't call em or anything like that cos they don't have a phone number or even an address. I ended leaving my phone number and name and email address on their website. And the next morning which was yesterday morning I got a text from them they said they are the breeder of chow chow dog that I'm looking for and then we talked ab the dog and shipping and stuff then I asked em how do I know y'all real and they took a video of the dog with a paper that wrote my name and address on it. I trusted them I decided to send them XXXX bucks ( XXXX for the dog plus XXXX shipping cost ) It was XXXX money transfer. After I sent it they asked for Hidden charges for the electric dog crate on the plane something like that and they also said the delivery company won't be able to get the dog shipped if I don't pay for that charge.i mean why didn't he tell me at first if he did I wouldn't buy the dog. At that point I realized that I'm being scammed. I decided to ask him to get my money back and he just never answer my text. 
This is the delivery company number : XXXX ( XXXX ) XXXX.they tried to call me like 8 times but I didn't pick up the phone cos Ive already known they are scammers.
Product: Student loan

Capital Management is servicing a loan that I originally received from XXXX that purchased the loan ftom XXXX. The loan is currently in default. I was contacted by Capital Management exactly once on the phone. Since that contact they have proceeded to harass the cosigner of my loan with repeated phone calls to her job. In addition to being spiteful and unnecessary the cosigner of my loan XXXX XXXX XXXX XXXX XXXX. Their attempts to humiliate my cosigner in front of her employer are shameful, but tying up the main phone lines of a public elementary school is just reckless. I 'm reporting this incident because the last time I was harassed by a student loan company I reported the incident to the Consumer Finance Protection Bureau and the harassing phone calls stopped within days and have not resumed in the intimidating fashion and frequency they did prior. The cosigner of my loan, my mother, needs your help as do the rmployees and students if XXXX XXXX XXXX. Please take whatever legal action is possible and necessary to hold Capital Management accountable for their intimidation.
Product: Consumer Loan

In  XXXX  I financed a car from   XXXX   XXXX   XXXX   they sold me the car for  XXXX  with a 19 % interest rate, Unfortunate my car was totaled in   XXXX   due to Mother Nature, Hail Damage. I had GAP Insurance as well I was paying additional money to Regional Acceptance my insurance company   XXXX   XXXX   paid them  XXXX  and  XXXX  took the car as well. I have a debt still of  XXXX  and I have no car and making payments. I called to request a principle forgiveness I am not able to purchase another car since I have a not with them. I called to see if they could forgive the balance and they said no. They want  XXXX  after they took my car and they got paid insurance money and they gave me a ridiculous interest rate.
Product: Credit reporting or other personal consumer reports

The Account from XXXX  XXXX, Account # XXXXXXXX  in the amount of {$510.00} is the result of identity theft. Ive never lost a lawsuit, signed an agreement, made a contract, received any goods, services, or money with this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I contacted Transunion by mail with all required documents such as Proof of identity, Proof of Adress, A police report, an FTC report, and a copy of section 605b, on XX/XX/year> ensuring that they will remove this fraudulent account. They failed to Comply to the FCRA which has caused me significant harm. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, a copy of section 605B [ 15 U.S.C. 1681c-2 ].
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Debt collection

I kept getting call from XXXX XXXX. I have NO debt of any kind whatsoever and a credit rating of XXXX. I have blocked their number but they continue to call and leave the same canned voicemail message. This is harassment and must stop. I received the latest call at XXXX today, X/XX/2018 from XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. instead they sent me a stall letter stating that they are nor going to investigate the item because they think I'm working with a third party. There is no law that stating that I can not hire professional help to assist in restoring my credit. So even if I was to hire someone, legally I have that right. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I opened a secure credit card with Wells Fargo over 5 years ago and was told I would receive my {$300.00} back in 1 year as long as I maintained my account, which I have done. My fiancee opened an account the same time and her card was transferred to unsecured in 6 months. Now 5 or more years later, maintaining on time payments, they are still holding my money with no reason as to why. I have contacted several times with no reason as to why.
Product: Checking or savings account

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding the sudden closure of my account without any valid explanation. I have been a loyal customer of Chase since XX/XX/XXXX, maintaining a pristine record with the bank. Despite this, Chase has failed to provide me with any legitimate reasons for their actions. 
The closure of my account has left me deeply troubled and frustrated, particularly as I have diligently adhered to all terms and conditions outlined by Chase. I have not engaged in any illicit or inappropriate behavior that would warrant such drastic action. 
What concerns me even more is the lack of transparency and communication from Chase regarding this matter. Although I visited the Chase branch in XXXX, TN, to seek clarification and possibly inquire about information pertaining to my account, I was met with ambiguity and ambiguity. Despite a couple of attempts by the branch manager to contact me via phone calls, I was never informed via email, mail, or text message leaving me unaware of the urgency or significance of the situation. Given the prevalence of fraudulent calls and spam emails, I had no reason to trust or prioritize these communications, particularly as they did not originate from Chase 's official contact channels. Furthermore, during my recent visits to the branch, Chase representatives failed to raise any concerns or discuss any issues regarding my account. This lack of communication is not only unacceptable but also indicative of a disregard for customer service and loyalty. 
To add insult to injury, I was informed by Chase representatives that I would be permanently ineligible to open a checking account with Chase in the future. Such a proclamation is not only demeaning but also lacks any justification or rationale. If Chase possesses evidence of wrongdoing on my part, it is imperative that they share this information with me promptly and in a transparent manner. 
I demand that Chase Bank provide me with documented evidence supporting their decision to close my account and permanently ban me from their account services. If no such evidence exists, I expect a formal apology from Chase, both in writing and in person, particularly if the branch manager 's actions contributed to this unjustifiable outcome. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure that consumers are treated fairly and transparently by financial institutions like Chase Bank. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

During the recession employment was not steady. I fell behind in my mortgage payment. 

As the economy improved so did my employment. I was able to find more employment and gain higher wages. I contacted CHASE BANK who services my loan for XXXX XXXX in XXXX XXXX. CHASE BANK said that they would be willing to look at my mortgage loan and tell me my options for mortgage assistance and repayment. I was happy to hear that I would have a chance to stay in my home. Today is XXXX XXXX, XXXX almost two years later and after sending in XXXX pages if not a XXXX plus pages of documents to " CHASE BANK, '' recently CHASE BANK sent me a letter stating that they have not received all of the paperwork required for mortgage assistance and I was denied. A sale date for foreclosure was set up for my home without being given any options of repayment. 

During the time of applying for mortgage assistance so that I could do a modification of my loan. CHASE BANK would always ask me to summit document, some documents were hard for me to find like my deed of trust or they could not verify my resident because I used my PO Box as my mailing address, but all bills showed my service address as my resident. 

Once CHASE BANK claimed they had everything they needed they would say that the loan is with the Underwriter or the Investor. After the loan came back from the under writer or the investor, CHASE BANK would always say XXXX of XXXX things. They ( CHASE BANK ) need more documents, the documents have expired while with the Underwriter or Investor, or the previous CHASE BANK representative who was helping with the mortgage modification has been promoted and I have to send all new documents in again. 

This has been the cycle ( doc expired, more doc, rep changed, etc.. ) with CHASE BANK for almost two years. All I every asked for was my option to repay my loan and keep my home. 

My house has a schedule sale date for XXXX XXXX, XXXX and I am still sending in documents ( which Chase Bank is asking for ) asking for mortgage assistance, modification, or repayment options to keep my home.
Product: Debt collection

I rented an apartment 2 years ago. When I cancel my contract I gave the 30 days notice that stipulates in my contract. We vacated the apartment on XX/XX/2019. But paid the month of XX/XX/2019. Anyway. They sent me a letter stating that they were going to used my initial deposit for cleaning purposes and whatever was left they were going to send it in a check to my address. Two years after they called me trying to get money from us. I talked to the collection agency and showed them the final letter of what I paid. Anyway the apartment complex didn't want to give me a copy of the money order for the last month. My credit was impeccable until this happened, I don't know what else to do to prove that I have not debt anymore.
Product: Debt collection

To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt before I take any further action. Please provide the following information : The name of the original creditor and the full account number associated with this debt. 

A copy of any written agreement or contract bearing my signature that establishes my obligation to the alleged debt. 

A detailed accounting of the amount you claim I owe, including interest, fees, and any other charges added to the original balance. 

Proof that you are legally authorized to collect this debt, including documentation of the chain of title showing the transfer of ownership from the original creditor to your company. 

Copies of any judgments or legal documents related to this debt, if applicable. 

Please consider this letter a formal dispute of the validity of the alleged debt. Until proper validation is provided, I request that you cease all collection activities and refrain from reporting this account to credit bureaus, as unverified debts may constitute a violation of federal law. 

If you are unable to validate this debt, I expect you to remove any negative reporting related to this debt from my credit report and cease any further contact regarding this matter. 

Please provide the requested information within 30 days of receiving this letter. If you fail to comply, I will be forced to take appropriate legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX  MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW
Product: Money transfer, virtual currency, or money service

Blockfi.com has locked my crypto currency amounting to {$4900.00} on their platform that they had guaranteed was safe. They are withholding my life savings because they had illegally used my funds for failed investments. I have emailed called and complained and have not heard any response.
Product: Debt collection

That car Insurance company only cover me for one month, after that they canceled NOTme also I was subscribed for automatic payment so I dont know why is the reason they are trying to charge me for XXXX XXXX