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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Checking or savings account

From approximately XXXX no one at Truist Bank should have accessed my bank account/information as I did not conduct ANY bank business during this period. On XX/XX/XXXX my XXXX  and I had a civil dispute and between XX/XX/XXXX and XX/XX/XXXX, he went into the Truist Bank and spoke in person with an employee. That employee provided him with my private savings account balance, information on the method on how I sign into online banking and other unknown information. The employee, who was friends with a retired law enforcement officer was provided the same information without my authorization or consent. I went to the bank and spoke with the manager on XX/XX/ and he said an investigation would be done. To date, the bank refuses to provide me with the results of this investigation or tell me who at the bank was in my accounts during that period of time.
Product: Debt collection

Re : Cease and Desist from Debt Collection Activities This letter serves as a formal notice that you immediately cease and desist from all debt collection activities concerning the alleged debt associated with [ your account number or reference number, if applicable ]. It has come to my attention that you are attempting to collect a debt that I either do not owe, that is disputed, or that falls under harassment and illegal collection practices. Your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. These actions have caused undue stress, harassment, and potential harm to my financial well-being. I demand that you immediately : Cease and desist from all communication with me, except for written correspondence confirming receipt of this letter and outlining the actions you will take in response to this demand. Should you fail to comply with the demands in this letter, I will have no choice but to pursue all legal remedies available to me, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, and seeking damages through legal action. I trust that you understand the seriousness of this matter and will act accordingly to rectify the situation. Please contact me immediately to confirm your compliance with the demands outlined in this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please i need someone to help me here. I sent out my first dispute letter to Equifax XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are XXXX inaccurate accounts on my Equifax report and they are listed bellow yet Equifax or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. XXXX  days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing
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. 

XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, 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 XXXX  years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Mortgage

RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and US Bank demanded that I pay {$460000.00} in order to stop their foreclosure sale prior to the auction and would not allow a stay, so that I could work with an attorney. 
They started the auction at {$250000.00} on XX/XX/XXXX, so there was predatory lending. 
I was told that my house was purchased by an investor. 
No other information has been given to me. 
There was mortgage fraud, as per my prior CFPB report. 
I am in finance and this case of fraud, foreclosure and defamation will make it impossible for me to earn a living. 

I am requesting a stay on the deed transfer to work with the lender and an attorney. 
I have also hired a forensic attorney to research this matter and prepare a comprehensive report.
Product: Money transfer, virtual currency, or money service

My mother had a an account with chase bank and had open me up a student account. She was the primary account holder they then closed her account due to inactivity last year and they had left my account open in which Im confused about because I was a minor. Chase had then charged my account on XX/XX/XXXX of 2023 for {$1500.00} and put me way deep into the negatives on my account for a check my mother had cashed last year in XXXX in the XXXX XXXX app that check had then was XXXX to the XXXXXXXX XXXX  XXXX XXXX and cashed as well in which Im confused about .Im making the complaint because they a charging MY account for something that has nothing to do with me and charging my account a year later and for keeping my account open while I was a minor at the time while they had closed my mothers account. Also for not being able to do their job properly because why a whole year later are they just now realizing something this serious
Product: Debt collection

per the credit report they made {$84.00} is the balance they are seeking to collect. I requested debt validation repeatedly they did not provide me as of now. They reject certified mail. I doubt the legality of this collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit report. FTC violation XXXX XXXX in 2017 amount {$610.00} XXXX XXXX  XXXX  in 2017 amount {$2000.00}
Product: Credit card or prepaid card

Chase Bank administers a XXXX XXXX for which I am a member. This credit card provides certain services which are offered with a {$95.00} annual fee. However, these services ( e.g. XXXX XXXX access ) are not available due to COVID-19 closures. 

Chase Bank assessed this annual renewal fee on XX/XX/2020, and is currently demanding payment. I contacted Chase Bank ( XXXX ) on XX/XX/XXXX to request this fee be removed or suspended, but they refused. I explained that they can not provide the services for which the fee assessed. They were not interested and instead demanded payment. 

Consumers should not be charged for services which can not be be delivered. Chase Bank is taking advantage of the COVID-10 pandemic by charging customers for services not rendered.
Product: Credit card or prepaid card

On XX/XX/2021 an American Express card in my name, which is not mine, was used to pay for turbo tax. 

I do not have an American Express card, or account.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX and Experian, XXXX and XXXX for their failure to remove an inaccurate collection account from my credit report, despite multiple attempts on my part to resolve the issue. 

The account in question is held by XXXX XXXX XXXX, This account, was inaccurately reported on my credit report dates XX/XX/XXXX. I have never had any dealings with XXXX XXXX XXXX or XXXXXXXX XXXX, and this account does not belong to me. 

On XX/XX/XXXX, I sent a dispute letter to a ; ; aforementioned credit agencies requesting the removal of this erroneous account. In compliance with the Fair Credit Reporting Act ( FCRA ), I provided documentation proving that this account was incorrect. Despite this, they failed to remove the account, instead choosing to maintain this inaccurate information on my credit report. 

On XX/XX/XXXX, after the CRAs initial refusal to delete the account, I sent a second, more urgent dispute letter. In this letter, I reiterated my demand for removal and referenced the specific section of the FCRA15 U.S.C. 1681i ( a ) which mandates a reinvestigation of disputed information within 30 days. I clearly outlined that if the account was not deleted within 15 days, I would escalate the matter by filing formal complaints with your agency and the Federal Trade Commission ( FTC ). 

Unfortunately, as of XX/XX/XXXX, the CRAs have failed to comply with its obligations under the FCRA. Given the continued presence of this inaccurate information on my credit report, I believe that both XXXX XXXX XXXX and the CRAs are in violation of federal law, specifically the provisions designed to protect consumers from the damage caused by incorrect credit reporting. 

This inaccurate information has adversely affected my credit score and could potentially cause further financial harm. The negligence displayed by both XXXX XXXX XXXX and the CRAs is unacceptable and has forced me to take this matter to your agency. 

I respectfully request that the CFPB take immediate action to address this issue. I seek the removal of the erroneous account from my credit report and a full investigation into the practices of both XXXX XXXX XXXX and the CRAs concerning this matter. Additionally, I request that any negative impact on my credit score resulting from this error be rectified. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

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

believe FCRA 605B mandates the elimination of erroneous accounts from my credit report. Can you verify the documents? Some of the accounts listed are inaccurately reported.
Product: Checking or savings account

On XX/XX/XXXX, I went to the Department of Motor Vehicles in XXXX XXXX to apply for a new driver 's license, which to this date, I never received. On XX/XX/XXXXXXXX  after checking my bank account balance, I became aware that an unauthorized individual had withdrawn {$1300.00} from my account. On XX/XX/XXXX, I went to my branch to report the incident which they improperly dismissed. Again on XX/XX/XXXX, I returned to inquire why my claim was rejected. This time, I was given the proper paperwork and refiled the claim. Again, the claim was rejected. Their reason for rejecting the claim was that the signature and location matched. I am guessing the reason is that my driver 's license was stolen. 

Since then, I reapplied and received a new driver 's license. Additionally, the individual who withdrew the {$1300.00} from my account had recently attempted to open another account at a different bank and applied for a credit card at a department store. I believe that the bank could clear this matter up by checking the tapes and they'll find that an unauthorized individual had withdrawn the {$1300.00}.
Product: Debt collection

XX/XX/2019 Morning- This company contacted me at my place of employment. The company would not identify itself. I let them know that they had the wrong # and was responding to in a threatening manner. 
XX/XX/2019 Afternoon - The company then sent a verification of employment to my place of employment and would not identify themselves or the specific information needed. I then contacted this company phone and asked why they contacted my employer. The woman 's response was " Do you know what a garnishment is? '' i agreed that i did know. She went on to say that i have two options, i can either get on a payment plan or proceed with garnishment. I asked her to provide documentation of the matter, she then stated that she did not have to provide this. She then sent me to the " payment center '' where they took my bank info but would not provide me with any agreement information or case #. 
I didn't feel confident about the whole thing so i googled the # and found that many people had reported the same thing. 
XX/XX/2019 - I contacted this company today let them know that i would not be paying them anything until i had documentation. The woman on the other line began yelling stating that she was not my child and i couldn't tell her what i wasn't going to do and then she hung up. I called back and someone else picked up, i then advised them again that i need documentation and that if they call again, i would report them. 
Shortly after this, i received what looked to be a falsely written letter to collect debt. Misspelled words and my full name was not included. This company doesn't even show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  received {$8000.00} refund from my homeowners insurance did not notify me did not write me text me call me I had to call my insurance company and find out that the check was sent to XXXX XXXX and it was Cash on XX/XX/XXXX until this day I have still not received a letter stating that they had this money I had to call them and they open a escrow to figure out and to adjust my payment I told this company that I wouldn't pay them and it had 10 days to submit the escrow reassessment which would be the XXXX and before the XXXX they have put me in a credit bureau it's 30 days late and has also stole my money because they have not applied it to my mortgage to reduce my mortgage
Product: Mortgage

The basic, urgent problem I 'm having is with the loan servicing company giving false information regarding the status of a foreclosure sale date. On XXXX XXXX, 2016 a loss mitigation request was submitted to Ocwen Loan Servicing. On XXXX XXXX, 2016 a follow-up call was placed to Ocwen regarding the status. Representative ID Number : XXXX answered the call at XXXX. This same representative stated that documents were received. This representative also stated there is NO foreclosure sale date in the system. During this call several additional request for him to re-check again. Again this Ocwen representative stated there is no sale date. The representative was told that a website had the property up for auction on XXXX XXXX, 2016 ... Again the Ocwen representative stated, there is no sale date and that it will take approximately 30 days to review for loss mitigation options. On XXXX XXXX, I checked the status and was told by Ocwen, this information was incorrect and that the property would be foreclosing tomorrow at XXXX. How can it be legal to give false information regarding a foreclosure/trustee sale which restricts any legal options I could have exercised if I were given correct information by Ocwen.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

SYNCB/WALMART XXXX Opened XX/XX/2012 Balance {$0.00} Late Closed-
Product: Checking or savings account

Hello, I reported these transactions to capital one, were fraudulent transactions, made with checking card been lost, and withdrawal money from account, they dont listen, and dont take care the customers, no provision credit been issued, XX/XX/year> XXXX $ and XX/XX/XXXX XXXX XXXX I am very disappointed, and I espect the temporary credit now, thank you.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX, XXXX and Equifax will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : account here. 

XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX {$770.00}
Product: Debt collection

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you
Product: Prepaid card

I received an unrequested debit mastercard from Netspend in my name sent to my address. I was eventually able to reach someone to let them know that the account had been fraudulently opened in my name. They refused to provide me any information or to confirm that the account was closed, or to confirm if any fraudulent activity had occurred in my name, or if any taxable activity occurred in my name.
Product: Checking or savings account

On XX/XX/2022 I filed a claim with Navy Federal Credit Union ... I was told by representative that an investigation would take place and that after XXXX business days you MAY received a Temporary Credit to your Account... on XX/XX/2022 I spoke to a Navy FEDERAL CREDIT UNION representative and they informed me that I would be receiving my Temporary Credit on Tuesday XX/XX/2022... Well its Tuesday and no Temporary..Called Navy Federal Credit Union on XX/XX/XXXX and they 1st brushed me off, then hung up on me, and when I called backed iwas told there Policy .... '' We May or May not issue a Temporary Credit to your account... I then told them the Representative on the XXXX told me that I would receive my Temporary Credit on Tuesday, XX/XX/2022... They Refuse to Honor that Statement even though they were able to verify that phone call on XX/XX/2022 in that the Navy Federal Credit Union Representative did state that I would be receiving my Temporary Credit on Tuesday, XX/XX/2022 2022
Product: Debt collection

Re : XXXX XXXX Accounts on my credit report I received notice that you verified certain items on my credit report from the following companies : 1.XXXX  XXXX  Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in identity theft. So, which is it? 
Supply your response within 15 days or delete the trade-lines. 

Best Regards,