23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an account A local on-line banking institute about seven months ago upon completing the enrollment process on-line, I was promised a {$300.00} enrolment bonus, when I contacted my bank via on-line I was given a run around, which to date I still have n't received any portion of the {$300.00}. I 've received several bounce slips with choice words as to refer to the " MAKER '' for reason of non-payment, I received conflicting deposit and withdrawal codes. I did attempt to correct or fix the errors, but to my surprise I was n't that lucky. Today I went to the local branch to just cash a payroll check from my employer and was informed my account had been charged-off for non-payment. I was however able to immediately reopen my checking account successfully with a XXXX dollar deposit, but given no explanation as to why so many problems to where it has effected my credit and credit score negatively, not to mention embarrassing and frustrating to name a few. The bank I 'm referring to is XXXX XXXX XXXX Checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

After losing my wallet my identity was stolen and compromised. The following accounts are unknown and unauthorized and shall be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$1100.00} 2 ) XXXX XXXX {$1200.00} 3 ) XXXX XXXX XXXX {$460.00} 4 ) XXXX {$1200.00} 5 ) XXXX XXXX XXXX {$4400.00} 6 ) XXXX XXXX XXXX XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I first submitted a dispute to XXXX, XXXX, Transunion and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from Transunion and XXXX claiming they verified the erroneous reporting on my credit file. I then asked Transunion and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). Transunion and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. 

XXXX XXXX XXXX just stopped communicating with me. 

XXXX despite 2 requests NEVER REPLIED ONCE!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this complaint is in Direct reponse to the XXXX XXXX XXXX my information was apart of. I have attached several documents including several of inaccurate reporting accounts. Please remove them immediately. For they are damaging my financial history.
Product: Checking or savings account

I opened a XXXX  Check-in account on XXXX XXXX. It's my only account where my employer deposits the salary. On XXXX XXXX, my access to my account was blocked without any prior communication. My debit card was also blocked. I have almost XXXX in my account. I reached out customer support multiple times and visited the branch as well. Everyone kept on telling me they can not verify me and I will get a letter within 5 days with instructions to verify. It's been more than 7 days I have not received any letter. 

I asked the customer care to verify me by sending a XXXX time code to the phone number registered with the account, they declined doing that. I asked the same with my email ID, they declined that as well. I went to the bank branch and verified my identify through my non-US passport, XXXX XXXX, social security card and XXXX. Still they declined unblocking my account. 

Please help.
Product: Credit reporting or other personal consumer reports

On or about XXXX XX/XX/year>, I mailed a letter to Advanced Resolution Services requesting information and the removal of inaccurate information from whatever credit file they have with my PII on it. In return, I received a letter from them asking for verification items that I mailed to them in my request.
Product: Debt collection

My XXXX of over 30 years was contacted and four voice messages was left with her. His name is XXXX XXXX. She told them to stop calling her and they told her to give us his number or we will keep contacting you. I then contacted the company on XX/XX/XXXX and told them to stop contacting my XXXX XXXX  or any other relatives of mine they may have contact info on. I also told them that I wanted a complete total validation of debt with all contract documents pertaining to this debt. i also asked them was was the date of the last action on this account and they told me XX/XX/XXXX. I asked them if the debt is time barred in regards to the statue of limitations and the person told me " I just told you XXXX and the statue of limitations is 6 years ''. I then request again for a full debt validation and he told me to send in written request for it. On XX/XX/XXXX I sent that via XXXX certified mail and it was signed for by someone in the organization on XX/XX/XXXX. To this date over a month a half later I have not heard from them in regards to my debt validation request. I want this removed from my credit report as it is harming me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to formally complain about my credit report, which contains items that are in violation of my rights as a natural person under 15 USC 1681 and the Fair Credit Reporting Act ( FCRA ). As a living human being, I have the right to privacy and confidentiality, which has been infringed upon by the consumer reporting agencies listed below.

According to 15 USC 1681, the consumer reporting agencies are required to govern their actions in accordance with federal laws, including my rights as a consumer. However, they have repeatedly violated these laws and I demand that the accounts listed below be immediately deleted from my credit report in accordance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX The consumer reporting agencies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 , as I did not give them permission to furnish these accounts.

I would like to draw your attention to the following federal laws which have been violated : 15 U.S.C 1681 section 602 A states that I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any 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 ) states that 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.

Furthermore, I have noticed multiple billing errors on my credit report which are in violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, the creditor has failed to reflect properly on a statement a payment made by me or a credit issued to me. They have also made a computation error or similar error of an accounting nature on a statement.

As per 15 U.S. Code 1666 ( b ), the creditor is required to notify me 21 days before with a statement, which they did not do. Therefore, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor 's bank account that I didnt pay and was marked late, as this is clearly a billing error. The items listed below should all be updated as agreed on my consumer report. 

XXXX XXXX  As a consumer, it is my right by law that these accounts be updated immediately. Failure to comply with my request will result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have also filed a complaint with the State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission regarding this matter.

I urge you to take immediate action and rectify these violations of my consumer rights. 

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

On or about XX/XX/XXXX I sent a letter to Trans Union and XXXX  to dispute the amount reported from XXXX XXXX Card to both credit reporting bureaus. I frequently utilize XXXX XXXX to monitor my credit report, upon doing so I discovered a mistake that was made by XXXX XXXX Card services. 
Issue : On the credit report XXXX clearly did not indicate the payment that was made to them on XX/XX/XXXX ( {$54.00} ) & XX/XX/XXXX ( {$64.00} ) to both credit bureaus. Please see uploaded document form my XXXX XXXX online account billing invoice highlighted for supporting documentation. 

2nd Issue : I mailed a dispute letter to XXXX  & Trans Union to correct XXXX XXXX 's mistake. Trans Union notified me by mail stating that this this information was disputed and updated. Upon receiving a new credit report from Trans Union ( pg. 5 out of 12 ) still have down that I was thirty days late with payment. My XXXX XXXX card is due the XXXX of each month. XXXX XXXX failed to report this information correctly to my credit report.
Product: Money transfer, virtual currency, or money service

SYOM ( Shop Your Own Mortgage ). Owner XXXX XXXX Solicited short term bridge loan investments via e-mail and text.. Asked for myself and many others to wire funds to the SYOM Chase account.. I sent over {>= $1,000,000}. In exchange he would return the $ with interest in XXXX XXXX 

Once the term expired XXXX fled the country and has not paid anyone back.. you can google XXXX XXXX XXXX XXXX some of the XXXX New article mentioning the same Scam.. 

XXXX XXXX is a XXXX Scammer.. He has since fled the country reportedly and is not making efforts to pay anyone back.
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 1661. 
Account Name Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 s-2 ( e ) ( b ).

According to 15 USC 1681i 5 they are suppose to do this, Treatment of inaccurate or unverifiable information.

According to 15USC 1681f s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent and hard inquiries off my credit file from XXXX, XXXX XXXX and Equifax immediately. 

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
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

My account was suddenly restricted, I am not able to access my money. I am not able to make any withdrawals or sell my stocks. They asked for documents which I already provided but the account is still restricted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Sequium Asset solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Debt Validation and Removal of Account from Credit Report To Whom It May Concern : This letter serves as a formal demand for debt validation under my rights provided by federal law, as well as a request for the immediate removal of the alleged debt account from my credit report. I previously submitted a written request for debt validation on XX/XX/year> for Account number : XXXX, It has now been over 30 days without receipt of proper validation from your agency. Consequently, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and additional consumer protection laws, and am formally requesting removal of the alleged debt from any credit reporting agencies to which you have reported it.

The FDCPA, Section 809 ( b ) mandates that a collection agency must cease all collection efforts until a debt has been properly validated. Despite my initial request, your agency has failed to provide sufficient documentation, such as the original signed contract or any evidence substantiating the validity of this debt. This omission indicates noncompliance with statutory requirements, and continued collection activities without proper validation constitute a violation of the FDCPA.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), furnishers of information are obligated to provide accurate information to credit reporting agencies. Without validated proof of this alleged debt, your continued reporting may constitute inaccurate and misleading information in violation of the FCRA, harming my creditworthiness and financial standing unjustly. 
Additionally, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, outlines privacy rights for consumers. Given your failure to validate this debt, I am also concerned about the improper handling and potential misrepresentation of my personal financial information, raising questions about potential GLBA violations.

In light of the aforementioned laws, I am requesting : Immediate removal of the unvalidated account from any and all credit reporting agencies. 
Written confirmation that all information related to this alleged debt has been permanently removed from my credit reports. 
Cessation of any further collection activities related to this account.

Failure to comply with these demands may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Please address this matter within 15 days of receipt of this letter and provide written confirmation of the requested actions. 
Thank you for your prompt attention to this important matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Misleading borrowers about income-driven repayment plans : XXXX failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation. 
Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, XXXX misallocated payments. XXXX also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 
Harming the credit of disabled borrowers, including severely injured veterans : XXXX tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a XXXX XXXX XXXX XXXX 
Deceiving borrowers about XXXX requirements for cosigner release : XXXX made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But XXXX did not honor those representations for some borrowers. 
Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, XXXX debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. XXXX failed to deliver on all of the promised relief. 

All these things has attributed to a harmful credit score and missed opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's ( XXXX, XXXX, and Experian ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files XXXX Trans Union, XXXX. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Trans Union CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Reported by Innovis FTC Identity Theft Documentation Attached - Case ID XXXX I am filing a formal complaint against Innovis for its failure to properly handle and investigate disputes regarding inaccurate information on my credit report. Despite providing comprehensive documentation, including an FTC Identity Theft Report, a notarized FTC Identity Theft Affidavit, and a police report, Innovis continues to report fraudulent and inaccurate accounts under my name. 

Inaccurate Information on My Report : XXXX. XXXX XXXX  - Account # XXXX  Fraudulent balance and unauthorized activity reported. 
Incorrect personal information used ( variation of my name and outdated address ). 
XXXX. XXXX XXXX XXXX Account # XXXX Fraudulent account with no affiliation to me. 
XXXX. XXXX XXXX  - Account # XXXX Erroneous reporting as discharged in bankruptcy. 
XXXX. XXXX XXXX XXXX  - Accounts # XXXX and # XXXX Accounts falsely linked to me, despite evidence of identity theft. 
XXXX. XXXX XXXX XXXX  - Account # XXXX Fraudulent account opened using a variation of my name, not matching my legal identity. 

Supporting Documentation Submitted : FTC Identity Theft Report FTC Identity Theft Affidavit ( notarized ) Police Report documenting the identity theft incident Highlighted Innovis Credit Report showing the errors Requested Resolution : XXXX. Immediate removal of all fraudulent and inaccurate accounts. 
XXXX. Verification of my identity as XXXX XXXX XXXX, correcting all false name variations and outdated addresses. 
XXXX. Assurance that Innovis will comply with the FCRA and properly investigate disputes rather than relying on automated processes that perpetuate inaccuracies. 

Consumer Harm : The continued reporting of this fraudulent information has caused severe damage to my financial reputation and creditworthiness. Innovis failure to take appropriate action and comply with the FCRA and FTC regulations constitutes negligence and disregard for my rights as a consumer. 

I am requesting the CFPB to intervene and ensure Innovis takes immediate corrective action.