23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Texas XXXX Subject : Formal Dispute and Demand for Immediate Removal FCRA Violation To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX appearing on my credit report. This account is erroneous and has caused significant financial harm, including denial of credit cards, auto loans, and increased interest rates. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and your legal duty to maintain accurate reporting. 

Violations of FCRA : Failure to Maintain Maximum Accuracy 15 U.S.C. 1681e ( b ) Credit reporting agencies are required to ensure that all information on a consumers credit file is accurate and up to date. The presence of this incorrect account demonstrates noncompliance with this legal obligation.

Failure to Properly Investigate Disputed Information 15 U.S.C. 1681i Under this provision, you are legally required to conduct a reasonable investigation upon notice of a dispute. Failure to remove unverifiable or inaccurate information within the legally allotted timeframe is a direct violation of this statute.

Willful and Negligent Noncompliance 15 U.S.C. 1681n & 1681o Your failure to correct this error despite my previous disputes and the clear inaccuracies on my report subjects you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and possible punitive damages for willful noncompliance. 
DEMAND FOR IMMEDIATE REMOVAL : As per the FCRA, if an account can not be verified, it must be permanently deleted from my credit report. Therefore, I am demanding the immediate deletion of this account within 5 days of receiving this letter. 

Failure to act accordingly will leave me no choice but to escalate this matter through legal proceedings, where I will seek compensatory and punitive damages for your continued negligence in reporting inaccurate information. 

Enclosures : Copy of my credit report with the disputed account highlighted Supporting documents demonstrating the inaccuracy of the account Proof of identity This is your formal notice under the Fair Credit Reporting Act. You have been made aware of your violations and must take immediate corrective action. Please confirm in writing that this account has been removed permanently from my credit report. 

Sincerely, XXXX XXXX This letter is firm, legally backed, and demands urgent action. Let me know if you need any modifications or additions!
Product: Money transfer, virtual currency, or money service

I am writing today to formally express my concerns regarding Zelle 's handling of disputes, particularly in 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 repeat 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 or other personal consumer reports

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is XXXX being reported. 

Please see this account is removed from my file at once. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within XXXX  days of this letter if its not removed ....
Product: Consumer Loan

XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX. Since this was a business debt with a different organization other than myself, XXXX XXXX, it never appeared on XXXX XXXX personal credit record. 

XXXX XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with CACH , LLC and has been paying with never a late payment the agreed upon amounts. 

CACH , LLC has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather Cach , LLC bought the debt. 

This false reporting that the debt is in collections is wrong and it is not delinquent at all with Cach , LLC
Product: Checking or savings account

I had an account at Bank of America that I made in XX/XX/2022 that got closed in early XX/XX/2022. I had approximately {$12000.00} in my bank account when it got closed. I have been trying since then to get my funds but they have been holding and not sending me the funds.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I bought a variable load US Bank XXXX gift card from a XXXX, MD XXXX XXXX on XX/XX/XXXX and loaded {$500.00}. About a week after I bought the card, I called to change the pin. The automated system said the XXXX6 digit card number did not match the CVV. I stayed on the line for about 15 minutes until I was connected with a customer service representative. They said it didn't matter, to just use the last 4 digits of the card number as the pin. I tried to use the card for a purchase at XXXX a few days later, and the purchase was declined because of an incorrect pin. About a week later, I think XX/XX/XXXX, I called again to try to figure out what was wrong with the card, I was told they couldn't do anything because the 16 digit card number didn't match the original purchase amount and date that I gave. I said I had the original receipt and they said I could send that to them for proof of ownership. I then called on XX/XX/XXXX to get the information to send them the info. I was told to fax my receipt and my id along with a phone number to reach me to their fax number and it would be processed in 24-48 hours. I faxed the information XX/XX/XXXX in the morning after I got done with the call. I called on Wednesday, XX/XX/XXXX, and they said it had not been processed, I needed to actually wait XXXX to XXXX business days. I called on XX/XX/XXXX, was hung up on once, and was on hold for a total of about an hour. On this final call, I talked to a supervisor who said I actually needed to send a fax with the proof of purchase, my ID, the gift card, and a 10 digit card ID number on every page. I sent the fax on XX/XX/XXXX in the evening. I suspect that the card is a fraudulent card since the last 4 digits on the front of the card do not match the 4 on the back. 

Every step of this process has required 15 to 30 minute holds, explaining the situation every time, and being told at various points, I was lying, I hadn't loaded the card properly, that the store messed up, and have been given different information to send by fax every time. I have never been so frustrated trying to use a gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my Equifax report, through Equifax directly or any other third party, it states error. This has happened to me numerous times. I believe I have what is a split file with equifax. I have contacted them on several occasions and they claim I have to pay for my report to be fixed which is a lie. They are extremely hard to understand and it has happened several times. Now i am unable to get a mortgage because I have no report or score.
Product: Mortgage

In XX/XX/XXXX, we refinanced a home equity line of credit ( HELOC ) with Branch Bank & Trust XXXX XXXX, VA, XXXX XXXX ( BB & T ). For whatever reason, BB & T failed to record the refinanced lien as satisfied, which is required by Virginia law. In XX/XX/XXXX, we placed our home for sale. When a title search was requested, we were informed that there was an unsatisfied lien against the property. We also learned that we were entitled to payment of a {$500.00} penalty from the bank under the provisions of Virginia Statutes Section 55-66.3. In XX/XX/XXXX, we submitted our claim for this penalty through a BB & T branch in XXXX XXXX, NC which is closest to our new residence. On XX/XX/XXXX, we received a letter from BB & T denying the claim on the basis that the statute of limitations had expired. We totally disagree. We maintain that the statute of limitations did not begin to run until BB & T ceased to be delinquent in the release of the lien, which occurred XX/XX/XXXX.
Product: Debt collection

Trans union shared my information and others borrows and third party companies aboand they emailed me threatening to damage my credit and not its on my credit report
Product: Checking or savings account

On Wednesday, XX/XX/2023 I stopped payment on an {$800.00} check from me, XXXX XXXX XXXX to XXXX XXXX. I had intended to rent studio space from XXXX but less than an hour of returning home, I had misgivings and walked directly to the branch of Truist Bank ( formerly BB & T ) and met with one of their Customer Service Representatives to stop payment on the check. 

I don't write checks that often so I did not recall thee check number but looking through my checkbook it appeared that the check number was in the low 200s. The Truist CSR confirmed that the check that I'd written an hour ago had not been cashed, so that when I left the bank, I felt secure that Truist had stopped payment on that check. 

Later that day, I received an email from Truist indicating that a check was pending and on XX/XX/2023, I received an email indicating that the check had cleared. 

I immediately walked over to the Truist branch at XXXX XXXX XXXX and inquired why the check had cleared in less than 18 hours despite my efforts to stop payment on it. The two CSRs that I spoke to were unable to provide me with a reason other than the check numbers you provided were " out of range despite the fact that I seldom use checks to pay for anything and {$800.00} is an unusually large amount of money for me to pay anyone. 

Truist typically puts a 3-day hold on customer checks. Why did Truist fail to put a hold on my {$800.00} check and fail to recognize the Stop Payment request that I'd filed at that same branch? 
What Giles me the most is that I specified the recipient, the date and the amount and Truist still cashed the check.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized inquiry made by XXXX. I did not provide consent for this inquiry nor did I authorize any transactions with XXXX. This inquiry appears to be a direct violation of my rights under various federal statutes, and I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable. 
I have contacted XXXX directly to resolve this issue but have yet to receive any satisfactory response or resolution. I also requested documentation and proof of authorization for this inquiry, but none was provided. 

Date of Unauthorized Inquiry : XX/XX/year> XXXX balance amount : {$2200.00} Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions, including credit reporting agencies like XXXX are obligated to safeguard consumers ' personal data. The unauthorized inquiry made on my credit report suggests a failure to protect my information in accordance with this provision.

Violation of 15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purposes for Credit Reports ) : According to 15 U.S.C. 1681b, a credit reporting agency can only access and disclose consumer reports for specific purposes, such as with consumer consent or for transactions the consumer has authorized. As I did not authorize this inquiry, I believe XXXX violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Violation of 18 U.S.C. 1028A ( Identity Theft and Fraud ) : 18 U.S.C. 1028A criminalizes the use of another persons identity for fraudulent purposes. If this unauthorized inquiry was a result of identity theft, I am concerned that my personal information has been used without my consent, which would be a direct violation of this statute.
Product: Credit card or prepaid card

Old information for a credit card that is 10 years old.
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 XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not not furnish an 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. 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: Debt collection

IC System of XXXX continues with non-stop XXXX XXXX calls. Spam calling all throughout the day. IC system continues to relabel and re-report an old debt from a company called XXXX XXXX. This debt was incurred in XXXX. I subsequently repaid this debt immediately to XXXX XXXX IC company continues to change the dates and has refused to send me any verification regarding the date they obtained this debt, who they purchased it from, and any and all identifying information regarding this debt. IC System continues to change the date and re-report this collection over and over. This collection should have been removed from my credit report many years ago. IC System continues to renew it -starting the clock all over again. this is predatory, dishonest, and illegal.
Product: Credit card or prepaid card

Bank of American Credit Card Number : ending XXXX I would like to DISPUTE for the charge on XX/XX/2018 with XXXX XXXX in the amount of {$15000.00}. This letter is in regards to my DISPUTE for the charges listed below, for the services prepaid that I have not received : XX/XX/2018 XXXX XXXX XXXX NC {$15000.00} This transaction was used as partial payment to pay for the XXXX XXXX that will take place on XX/XX/2018 to XXXX, 2018 at XXXX. 

Please see my attached document for 1 ) my ticket to the XXXX XXXX XXXX 2 ) Receipt for the XXXX XXXX XXXX 3 ) Contract agreement for XXXX XXXX XXXX  The dispute amount of {$15000.00} was used as partial payment to pay for the XXXX XXXX  that will take place on XX/XX/2018. I was unable to attend because XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. 

I did not receive XXXX XXXX service from XXXX. I did not get to attend the XXXX XXXX. I did not received the service indicated on the contract agreement for XXXX XXXX.. 

XXXX was shut down by the Federal Trade Commission on XX/XX/2018 and have been taken over by a Receiver named XXXX XXXX XXXX, please check the FTC website and the Receivers website for the latest updates. 

thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof from XXXX, XXXX  and Equifax ( an original Consumer Contract with my signature on it ) and have a file of the accounts listed below. The failure to positively verify these accounts, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. I demand the following accounts be verified or removed immediately. Please add a Promotional Suppression to my credit file. Which, nothing was sent or handled. In addition, investigation always exceeds the 30 day window. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX Card XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account
Product: Mortgage

On XXXX XXXX, XXXX I received a letter from SLS Mortgage Company, Specialized Loan Servicing LLC, stating that my account was transfered to them from XXXX XXXX XXXX, at that time I was a month behind and my monthly payments was {$680.00}, a few days later I received another letter from SLS Mortgage stating I was two months behind, which I made several attempts to contact them to dispute the amount owed, which was only one month. My wife made a double payment to catch up. On XX/XX/XXXX we received another statement which was for {$2700.00} the double payment was not applied to the account again. In XXXX of XXXX I received another letter stating my monthly payments were going from {$680.00} to XXXX I called SLS and no one would give me any answers, the woman told me in her system my payments were {$680.00} and to continue to pay that amount. The next statement I received was for {$3100.00} dated XXXX XXXX, the other payments were no applied again. My wife made a payment of {$1400.00} via money order, which has not been applied.I had also filed for a loan modification in XXXX, I filled out the modification papers five times because SLS claimed they did n't receive it and it was XXXX it to them each time. On saturday XXXX XXXX, XXXX I received the modification letters and SLS wanted me to pay them {$1000.00} a month, that not a loan modification, that is almost double of what my monthly mortgage is, considering I lost my job. I went through all my paper work I received from SLS Mortgage and found a letter dated XXXX XXXX, XXXX stating I owed XXXX XXXX from XXXX {$990.00}. advances of {$1200.00} and outstanding fees of {$29.00}, this was from XXXX and was included in my bankruptcy. This company is trying to collect on an Bankruptcy account that 's not even theirs.This company has really stressed me with the harassing letters of foreclosure threats, and wo n't post my payments correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : XXXX to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DOB : XXXXXXXX  XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX