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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request ( Follow-Up to Unanswered Dispute - Identity Theft ) Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the debt reported on my credit report by XXXX XXXX XXXX XXXX XXXX under the account XXXX XXXX XXXX. This account is a result of identity theft, and I have previously submitted supporting documentation indicating that I am a victim of identity theft. Despite this, my prior dispute has gone unanswered. I requested validation of this debt 90 days ago, and I am once again requesting that this matter be reviewed and resolved. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported. Given the nature of this issue, I am specifically requesting the following : Proof that the debt is mine, including the name of the original creditor. 
The amount of the debt at the time it was reported to you. 
A complete transaction history or statement detailing the debt. 
Proof of the original contract or agreement that verifies the debt. 
Any other documentation to confirm that the debt is accurate and belongs to me. 
As I have previously provided, I have attached copies of the following documents to assist with verifying my identity and to help resolve this matter : Drivers License ( front and back ) Social Security Card ( front and back ) Utility Bill Pay Stub Documentation supporting my identity theft claim ( previously submitted ) I request that this matter be investigated promptly, and if this debt can not be validated, I kindly ask that it be removed from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect this matter to be resolved in a timely manner. If this issue is not resolved in a reasonable time frame, I will consider further actions to address this discrepancy. 

Thank you for your prompt attention to this matter. 

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

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit Burueas that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$54000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX did an Hard Inquiry on XXXX XXXX. 2017. on my credit report. This hard inquiry occurred without my permission!
Product: Credit reporting or other personal consumer reports

Heres a comprehensive dispute letter for the account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies, violating multiple sections of federal law.

Account Details : Creditor Name : [ Government Entity Name ] Account Type : Government Miscellaneous Debt ( Installment ) Account Number : XXXX Balance Reported : {$8000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. No verification of this account has been provided, yet it continues to be reported derogatorily. 
2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : After disputing this account, its derogatory status remains reported. Reporting or updating the account without resolving the dispute violates federal law.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account is reported as both a Collection and a Charge-Off, which is inconsistent and misleading.

Comments indicate a profit and loss write-off, yet the balance remains reported as due, which contradicts IRS and FCRA standards .

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Under IRS regulations, a Form 1099-C must be issued when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been provided for this account, raising concerns about compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for failing to properly investigate disputes and validate debts. 
This raises significant concerns about XXXX ability to accurately report and investigate this account, further undermining the validity of this entry. 


Additionally, I expect a response to this dispute within 30 days, as outlined in 15 U.S. Code 1681i ( a ) ( 1 ). 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am participating in a promotion from PenFed Federal Credit Union. The promotion was regarding bonuses for every {$10000.00} that is kept in a Premium Savings account. 

I opened the Premium Savings account solely for this promotion. 

I transferred {$10000.00} + {$10000.00} into my PenFed account. I have the funds to cover it. 

1 week later right as the promotion date ended, I noticed the subtraction of {$10000.00} and on top of that a {$30.00} FEE which shoved my balance below the {$10000.00} amount for the bonus. 

I can not even fathom. I am so angry right now. I am 100 % certain that the funds were available to cover the {$10000.00} transfer.. it should not have been reversed and to add insult to injury a {$30.00} fee to disqualify me from the transfer promotion?
Product: Debt collection

I am formally asking for the removal of this erroneous entry from my credit report. I did not authorize its creation or use. Enclosed are the necessary documents to support my claim. I urge you to quickly rectify this error on my credit report. I confirm that this account is not mine and strongly believe it to be fraudulent.
Product: Credit card or prepaid card

My husband and I were traveling XXXX, XXXX this summer. It was happening XXXX of XXXX, XXXX. We had lunch at the restaurant named " XXXX XXXX XXXX '' and meals for two was charged XXXX euros. I paid with my card but somehow it seems that the manager was printing too long receipts. But we were only presented with the bill of XXXX euros so I signed without any doubt and left the restaurant. Later that night we found that it was charged twice of one with XXXX euros ( correct transaction ) and the other transaction was also made with XXXX euros. I did neither sign for the XXXX euros bill nor the bill was presented to us. We ran back to the restaurant to make a claim that there was a mistake that we were charged twice and the manager repeatedly apologized and promised us that he would make sure to fix the issue to cancel the wrong transaction. Our flight was the day after ( XXXX ) and we came back home in the XXXX. 
But obviously the manager did not keep his words to cancel the transaction and the credit card company XXXX Chase XXXX went through to make a total charge of XXXX euros for lunch at the restaurant. 
We filed the dispute to the credit card company explaining what happened to us while trying to get hold of the restaurant through emails, homepage contact, and international call. But the restaurant was completely out of reach. They never replied to any emails and complaints and never answered the phone. 
The arrangement of the credit card company was also very incompetent and disappointing. Though this case was such a typical fraud that some of the XXXX  restaurants are still trying to rip off the foreigners, Chase only contacted the restaurant and received the bill of XXXX euros with the fake signature that they must have counterfeited. I asked Chase to request itemized receipt to make XXXX euros because there is no way that lunch for two should end up that expensive one, but Chase was completely doing nothing and said they could n't do anything to help us.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from equifax so please tell me how you verified this information to be accurate?
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information that is damaging my consumer report and causing me harm. 

There are several inconsistencies among the reporting agencies. Please delete the inaccurate information. My name is XXXX XXXX, delete any other name it is not mine. Proof my resident is attached to this complaint as I have submitted the documents several times. 

Name : 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  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I checked my credit report, and I saw some inquiries that I did not authorize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEED THESE INQUIRIES REMOVED AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : XXXX XXXX XXXX : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : Credit Collection Services : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.
Product: Credit card or prepaid card

- in XX/XX/XXXX I disputed a charge for a XXXX computer and made a strong case for this being a fraudulent charge. My Amex card has been closed since XX/XX/XXXX in what I assume was retaliation with a XXXX balance until they added a balance back on two separate occasions. I have refused to pay and they recently started making threats to report me to the credit agencies. Also legally this debt had to have been written off of 180 days which has not been done - My identity had been stolen via the mail room this affected more than just American Express and documented everything - The package was signed for by " locker '' which is the signature given by buildings that have a package locker, mine did not - I filed both a ftc report and a police report and was told that if I did so the charge could be reversed - The XXXX did not match my address on file at the time - I also pointed out how best but had incorrect contact information and the item was purchased from a ip address in Hawaii while I was with friends in XXXX XXXX at the time of purchase. I did buy a ticket for my GF there, but she did not have my card nor permission to ever use it on my behalf -the card was closed in XX/XX/XXXX with a XXXX balance -a unexplained reversal plus a rebill several statements far later than the 2 month requirement in XX/XX/XXXX, XX/XX/XXXX -amex continues to call saying  I owe money, but while the website does shows a balance that they produced but also reads in big red letters " this account has been settled and no further payment is required '' I ask that they post haste remove this erroneous charge, and if they feel it's valid then at least forgive it given the multiple errors where it has been added back to my account 3 times with little explanation and in clear violation of rights to information and their requirement to settle this in 2 billing periods as this is an over 1 year old charge, I have clearly disavowed and they poorly researched my claims including XXXX running its own investigation finding me to be the victim of iD theft and reversed charges for similarly purchased XXXX XXXX computers on the same date. I worry everyday that Amex will make good on its threat and erroneously ruin my credit when information that could prove helpful was not provided, I am frequently hung up on, deadlines for them to act has passed, and acting generally crass towards a victim of identity theft that affected 3 other cards and a drivers license which were intercepted. XXXX XXXX has also not returned a single phone call to their dedicated fraud team that handles matters like this and would not give me any information directly including details of delivery to a complex where packages are signed for by locker. I remind Amex and XXXX XXXX that I am XXXX and they refuse to accommodate this with verbal conversation along with written documentation for demoralization. Every single one of these letters sent to received required me to seek external assistance which is not compliant with XXXX ADA or the state of CA ADA. 

I can be reached at XXXX XXXX XXXX XXXX
Product: Mortgage

National Biweekly Administration has debited money from my account and not paid my mortgage. They have not refunded the money. They have not answered calls or emails.
Product: Mortgage

To whom it may concern This letter outlines the struggle I am having dealing with Round Point Mortage in getting them to release funds to pay the contractors I have used to repair my house dealing with a claim from damage from a hail storm on XX/XX/2018. My insurance company issued a check for the damage to Round Point Mortgage and myself. I signed the check and forwarded it to Round Point as they wanted to control the release of the  funds. 
I have been contacting local contractors to do the work, but with all the damage from the storm it has been difficult to find contractors with time to perform the work. I did however find someone to remove and replace the roof of my house and my garden shed. I have forwarded the invoice to Round Point for this repair, but they refuse to release the funds to pay my roofer. I am asking for help from you to get the money to pay the company who fixed my roof. Some of the struggles I am dealing with is each time I call them, I sit on hold for hours and they request additional information. I send them the info requested, but their policy is that it takes 5-7 business days to surface in their system and another 3 days for someone to review it. Each time this happens, it adds another 2 weeks that my bill is delinquent.