23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX ) & XXXX ( XXXX XXXX ) Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

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

FTC REPORT # XXXX ( Uplodaded ) Wow. I cant believe Transunion XXXX XXXX is allowed to get away with reporting misinformation and keeping my credit worthiness is bondage. 

XXXX is the only credit bearus who have deleted this information ( proof uploaded ) but Transunion XXXX XXXX simply ignore us. 
I have submitted proper supporting documents for my disputes and they just ignore them, like I am trash. Some needs to home this company accountable for the damage and stress they are causing consumers like myself. 

I have to 2 accounts that have been disputed only to come back verified. 

1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The XXXX account is marked as inaccurate.
Product: Debt collection

CBE XXXX is n't willing to send me the amount that I owe. I have tried to correct my address so they could send me information ( has n't been corrected yet XXXX and tried to get them to email me my amount owed XXXX has n't happened ). When I called to complain tonight, I was told they would have to wait XXXX days before they could send me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter written to all three credit bureaus separately on XX/XX/2023. XXXX, XXXX, Trans Union. 

Dispute : According to the FCRA code 15 usc 1681b ( a ) Any consumer reporting agency may not furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written consent for this account to be furnished on my credit report.

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Account furnishing on my credit report : Dept of EDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXX XXXX XXXXXXXX XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ], XXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$500.00} or my account was charged off {$500.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. 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, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to 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 withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

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. 

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. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Student loan

After consolidating my debt in XXXX I had a total loan balance of about XXXX. XXXX convinced me to enter forbearance because at the time I had just completed my XXXX XXXX XXXX XXXX and did not yet have a job. During this time my balance grew quickly to over XXXX. I then began making payments in XXXX in the amount of around {$2700.00} per month. I continued making payments without checking my account until the pandemic paused student loan repayment. Over the time I was making payments I estimate I made approximately {$200000.00} in payments. After notifications began that student loan repayments would begin again I looked into my account and discovered that none of my payments had ever been applied to my principle balance. The entirety of my monthly payment was processed as an interest payment. This was fraud because the amount of interest accruing was less than my payment amount. As remediation I am requesting that all payments I have made be fully applied to my original loan balance and any forbearance interest balance to be expunged. Or I request that my loan simply be canceled as it was managed in a fraudulent way in order to maintain high interest payments without reducing principle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax are all reporting a collection, originating from XXXX I guess, on my credit file. 
I filed an FTC Identity Theft, report number XXXX, & sent it in, along with this cover letter, * SEE ATTACHED FOR ALL*, stating that it was identity theft & to please delete it from my credit report along with copies of my passport and my social security card on the XXXX of XX/XX/2024 & mailed it to all 3 bureaus, XXXX XXXX XXXX Equifax XXXX it came back verified I called again & spoke to XXXX and then XXXX & received a Case Number XXXX asked to speak to a supervisor that I wanted to escalate the matter, I was told I would receive a call back in two days, I never did. 
Equifax XXXX XXXX are still in process? or? Im not sure but I havent heard anything yet I want this derogatory information removed from my report as it hurts my chances of obtaining credit, housing and employment
Product: Debt collection

XXXX was rude, interrupted me, has XXXX XXXX and is unbalanced. XXXX would not allow me to finish, resolve the matter, kept interrupting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received a collection letter from Credence Resource Management , LLC. After requesting a validation of debt on XX/XX/2020, they provided me with an account summary in a letter dated XX/XX/XXXX. I responded in writing, dated XX/XX/2020 and indicated that this was not an acknowledgement nor acceptance or ownership of this debt nor any promise to pay. They responded via email dated XX/XX/XXXX and replied they were in receipt and marked my account as dispute. 
On XX/XX/2020 they emailed me a response indicating the charges on my account were valid. On XX/XX/XXXX, Credence Resource Management , LLC added a derogatory mark on my XXXX  Credit Report. Please note that this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection and there was no written form of communication, nor did they furnish a contract ( signed ) or signature for this accused debt. A bill without a signature does not validate the debt and any individual can send a bill indicating I have ownership. According to the FCRA, Credence Resource Management , LLC has violated my rights as a consumer and I'm requesting legal action to resolve this by removing this errant account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX and Equifax stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
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 XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 St
ates : 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: Checking or savings account

I went to an ATM to withdraw funds and I requested {$200.00}. The ATM did not disperse the funds but the amount was deducted from my account. The ATM printed a receipt that stated my request for {$200.00} and {$0.00} was disbursed. The receipt also states to dispute the transaction with my card provider which is CHIME. I also called the ATM vendor and they stated the same thing to call and dispute the charge. I called Chime the day it happened while still in the store which was on XX/XX/XXXX and they said I had to wait to dispute the transaction until it settled. It settled the next day and I called and disputed the charge on XX/XX/year> and i was hung up on 4 times during the process. Today is the XXXX and it says the dispute was denied even though I provided them with the receipt that shows I did not receive any cash. I have requested documentation about why the dispute was denied and I was hung up on again.
Product: Debt collection

Protfolio recovery, This collection company received a request from the three credit for XXXX to investigate my fraud claim. This company also received a identity theft affidavit packet which was sent to me completed and returned back to this company. This company committed a violation of the fair debt collection practices act as well as the fair credit reporting act. The first violation was out of section 809 subsection B of the fair debt collection practices act were clearly states, because XXXX  notifies a debt collector in writing within the 30 day period described in subsection eight that the debt, or any portion therefore is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt or any dispute a portion therefore until the debt collector obtains verification of the debt or, complete his investigation into identity theft of the consumer. The collection agency fail to provide documents validating this fraudulent debt. And intern, this collection agency validated a debt that a criminal has already admitted to opening. This person was convicted in XXXX XXXX Superior Court under case number XXXX XXXX This person admitted in court to using my information as well as my fiancs information and several others to make profit. He sold our information on the Internet. So, I am all the way confused as to why this company has not remove themselves and why they did not complete a proper investigation.
Product: Credit card or prepaid card

I have an American Express Serve card that I acquired in 2017. I have paid the monthly fee for 5 years and after a traumatic car accident I need to use the card. I deposited a check for {$190.00}. I paid a {$5.00} processing fee to have the funds available in minutes. After an hour the funds were available according to the account status. The card would not work, I am not able to make a purchase or withdrawl cash. I'm unable to send the funds to a XXXX for pickup. Now they have added a fraud alert and won't release my funds. I have called dozens of times, most times they disconnect the line while on hold. I am XXXX and XXXX  now as am not the only person who I have found has this problem with their Serve card with American Express.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX FIN XXXX Balance : {$15000.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX FINANCIAL  SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have a Citi XXXX XXXX ending in XXXX. I received a promotional flyer in the mail ( copy attached ), inviting me to open a Citi XXXX XXXX XXXX account, promising that if I deposit {$50000.00} within XXXX days and keep for XXXX days following the XXXX day, Citi will deposit XXXX XXXX XXXX miles to my XXXX account. 

I opened the Citi XXXX XXXX XXXX Account ending in XXXX on XX/XX/XXXX. 
Received a confirmation email on XX/XX/XXXX that I am enrolled in the promotion ( copy attached ). 
I deposited {$50000.00} in new money to the account by XX/XX/XXXX ( by XXXX day, within the 20 days required by the promotion ). 
I kept the balance until XX/XX/XXXX, well past the 60 days required by the promotion. 
Citi has not credited the XXXX promotional miles as promised by the promotion. 

I contacted Citi by online chat, the chat representative confirmed that I have met the promotion requirements and opened a case ( # XXXX ). 
The response from Citi was that they do not have a record of my enrollment in the promotion and to provide proof. They did not give a fax number or email address to provide the supporting documents and there is no provision on their web-site to upload documents. I contacted chat again and was told that they could not receive the documents via chat either. 

I requested that the case be re-opened mentioning that I do have the promotional flyer as well as confirmation email from Citi- they should have them in their records too. The representative opened case # XXXX. The response was the same as before. 

It appears that this is common practice by Citi as I am seeing on various online message boards as well as the CFPB complaint database. 

Citi needs to honor their promotion as I have met all the requirements.
Product: Checking or savings account

The issue stems from a {$5000.00} deposit transferred on XX/XX/year>, from my Citibank account in New York to the XXXX brokerage account. The purpose of this transfer was to credit funds to my sister 's account, which is held at XXXX XXXX Bank. However, despite numerous attempts to resolve the matter over the past month, the funds have neither reached their intended destination nor been returned to my Citibank account. I call three parties non stop explaining the issue, but they assume I was doing a fraud which I was just trying to solve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate late payment entries appearing on my credit reports from XXXX. This late payment is inaccurately reported and negatively impacting my creditworthiness. 

Upon reviewing my credit reports from each of your bureaus, I discovered this inaccuracy : XXXX XXXX. 

I want to emphasize that this late payment is not reflective of my actual payment history with the respective creditors. This may has been extenuating circumstances or errors that led to this late payment entries, but this is not accurate representations of my financial responsibility. 

I am entitled to accurate and up-to-date information on my credit reports. Therefore, I request that your bureau conduct a thorough investigation into this inaccurate late payment.
Product: Debt collection

I have this collection agency ( Caine & Weiner ) trying to collect a debt they allege I owe to XXXX XXXX but I have asked more than once on the phone and by email what this debt is for as I have no clue and I can not get an answer. When I talked to them on the phone they threatened to mess up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey i asked the trans union to do in in investigation of account XXXX XXXX XXXX that had a lot in inaccurate information and XXXX XXXX  XXXX XXXX  i do not recognize as mine iv never paid for phone plan of phone. that if any information was inaccuracy to delete from my report .instead they made update and that was not my request so im writing to you In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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.

any actual damage sustained by comsumer as a result of failure or damages of not less then 100 not more than 1,000 : I want 1,000 per violation & removal of account from my profile.
Product: Debt collection

this credit card was opened without my knowledge and first time im seeing a collections notice
Product: Checking or savings account

On XX/XX/2020 I was on my honeymoon in West Virginia. We live in Michigan. While on the honeymoon, my account was frozen without any explanation. I was far away from home without any access to any money. We hadn't eaten and we were nearly out of gas and atleast 8 hours from home. I stopped at a place that was willing to take my mother 's credit card for payment for food so we could eat that night. I called the customer service number at Chase and was put on hold for many hours. I would get disconnected and I would call back only to be put on hold for several more hours. I finally reached someone who was going to connect me with a manager to find out why my account was frozen. During this call, the representative somehow disconnected with me BUT instead connected me to another customer. This customer heard my name, address, account number at other pertinent information and then realized they were connected to me, another customer, and hung up. Because we were stuck out of state without any money, my mother went to Chase the next day ( Saturday ) to sit in front of a manage so they could have me call in to discuss this situation. The manager was on for several hours to customer service as well and attempted an in network chat with a loss prevention manager to discuss. The only thing that was told to me and my mother at that time was that it was due to fraudulent activity from deposits made. My mother had to do a XXXX to XXXX money exchange so I could pick up money to get home. Once I was home, I kept calling and stopping at the bank for an explanation. I kept getting the run around. No one would tell me what " fraudulent '' deposit occured. Finally, this past week and nearly 1 month later, I was told it was because my wife UIA was being deposited into my account. We have been married for nearly 2 years. She wasn't listed on the account but she has deposited paychecks into my account prior to this. This has caused my family so much stress and I was struggling to meet my bills since Chase was holding over {$1200.00} of our money. We spent the initial week having to borrow money just to pay bills, do grocery shopping, buying diapers and pet food. This is horrendous that a bank can do this to individuals and leave them without any funds whatsoever. If it weren't for family, we would have starved, my son wouldn't have had diapers to wear, my pets would have starved. What gives them the right to hold my money? This was criminal and the bank was extremely unprofessional in the way they handled this ... .especially during the pandemic when it was extremely difficult to find any money to earn. This bank needs to be held accountable. I will NEVER do business with Chase and now I am hesitant to do any banking with any banks in the future. My family is now moving their accounts from Chase. They do not trust them!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a personal loan by the XXXX XXXX XXXX on XX/XX/2017 for the amount of {$1600.00}. While making payments I eventually couldnt pay anymore. So the company took action and put a wage garnishment and took money from my checks and deducted over {$1800.00} the amount owed was paid in full. After the payments were made the creditor added an amount of XXXX and does not want to give me information on why its there on my report. The company does not cooperate very well. Ive tried for a year to resolve this but the company is refusing to give any information.