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

CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE INACCURATE, INCOMPLETE, OR UNVERIFIABLE INFORMATION WITHIN 30DAYS. 

I am writing to request the method of verification for complaint id XXXX XXXX XX/XX/XXXX followed up with written disputes for complaint id XXXX on XX/XX/XXXX regarding the disputed items below. 

It has been more than 210 days and I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information that is known to be false can not be reported to any credit bureau .

I request that you immediately delete this information from my credit reports. Please send me a copy of my updated credit report as soon as the above has been completed.

1. VALIDATE ACCOUNT CHILD SUPPORT ACCT # XXXX PLEASE DELETE THIS ACCOUNT OR PROVIDE VALIDATION INFORMATION For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness, accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Debt collection

On or about XX/XX/XXXX I received a letter from Capital Accounts claiming that I owe them {$190.00}. A month later I received another letter this time claiming that I owe {$190.00}. On XX/XX/XXXX, I mailed a certified letter to Capital Accounts information them that I am disputing the so call debt and that I am requesting validation of this debt and to delete and stop reporting false information to the XXXX credit bureaus. 

I was expecting to receive a letter within the 30 day window granted to me by the Fair Debt Collection Practices Act. Instead I received an undated one-line note, ( I believe the date was left out on purpose, unscrupulous behavior ) after the 30 day expiration. The one line note that I received from Capital Accounts is now claiming that I owe {$130.00} and enclosed within the one-line note is a statement ledger from XXXX aka in my case XXXX Again I do not owe any of these companies. XXXX was our family dentist, ( who we no longer affiliate with, due to unethical business practices ) was paid in full on XX/XX/2016 and therefore I do not owe them. 

On XX/XX/XXXX I mailed a second request to Capital Accounts requesting validation of this so call debt that I owe to Capital Accounts. Again my request was ignored because today I received in the mail another undated ( unscrupulous behavior again ) one-line note this time claiming that I owe {$130.00}. 

I have yet to received any debt validation from Capital Accounts showing that I owe Capital Accounts ( not a second or third party ) and how they calculate what they claim that I owe. I have never done any business with Capital Accounts and nor do I intend to do business with this company. I DO NOT OWE ANY MONIES TO CAPITAL ACCOUNTS OR ITS AFFILIATES.
Product: Debt collection

Cherry Inc says i owe them XXXX dollars for something I have no knowledge of. I have ask how they got my social security number when I have a block on my credit file. So I'm completely confused. Police report was filed
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Golden1 destroyed my credit for no reason. I had automatic payment set up, on XX/XX/XXXX the app malfunctioned not allowing for the automatic payment i had already set up to go through like the months prior. Less than 24 hours later XX/XX/XXXX i noticed, and payed the balance accordingly. At first i was only allowed to pay the minimum balance, then the app malfunctions again charging me the full amount resulting in me overpaying. ( see Golden1 one star reviews for confirmation ) within a seven days i received a notification my credit score had changed, XXXX points. I called my bank they did not help whatsoever even after i did as instructed and sent in a letter to their credit department. While this was taking place an additional XXXX points were subtracted from my score, the reason still unknown. I also found out that somehow Golden1 claims i went over my credit limit by exactly XXXX XXXX. So i contacted XXXX to dispute these events. XXXX removed the XXXX points but said they couldnt do anything about the XXXX when it should have never occurred. I don't understand how or why this is happening.
Product: Debt collection

I opened up a XXXX XXXX with XXXX XXXX on XX/XX/XXXX however I wasn't using my account at all due to personal issues and tried canceling my membership but they were requesting a fee of over {$50.00} to cancel. So instead I wrote an email and requested cancellation, however they refused especially with a cancellation without any fees, and I instead removed my card. They kept trying to charge me monthly until the amount reached to an estimate of {$120.00} ( {$120.00} exact ) in XX/XX/XXXX. They sent the amount to debt XXXX " Aldous & Associates '' and I tried to communicate with them through email however they blocked my email. I finished paying the collection in XX/XX/XXXX, but this however has damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC
Product: Credit reporting or other personal consumer reports

XXXX XXXX provided me with a car loan back in 2019. Due to the XXXX pandemic, I was unable to continue paying my loan. Even though I asked to be relieved, they continued to harass me. I ended up surrendering the car. Still, they continue to harass me. 
This month, they ran an unauthorized hard inquiry on my account and they will not answer my calls. 
Equifax wont remove the unauthorized inquiry either.
Product: Debt collection

Upon my review with the Secretary of State my findings are that XXXX XXXX XXXX XXXX and XXXX XXXX  are NOT licensed, nor bonded to collect a debt in the state of Michigan so therefore no debt is owed, nor have they shown validation to this debt. I would respectively appreciate deletion of said items. There was another company reporting falsely on my Credit Report named XXXX hopefully they removed from all three reporting bureaus as indicated in letter sending, someone upon billing selected the wrong XXXX XXXX none of my children require pediatric care my baby is XXXX years old. Also I paid three collections off reporting by XXXX XXXX XXXX XXXX XXXX these were small hospital bills that were in violation of my HIPAA Law I want the derogatory reporting removed. As well I have sent several letters to XXXX XXXX asking that their false reporting of late payments be removed, I was late thirty days, not 60 upon their realizing their mistake the employee filed a dispute by his own accord trying to right the matter, however the report still shows inaccuracies. As well my report reflect inquireies that were not authorized, please remove all except those ( belonging to me ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are mine, I have been disputing causing my score to plummet trying to get items addressed and removed, with no respect to my plea, my frustration or my time. Credit is a respected privilege wisdom is the best teacher. Frustrated consumer, thank you.
Product: Credit reporting or other personal consumer reports

I would like to follow up behind my frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 
The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I am asking for your immediate assistance that these accounts should be correct right away : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}.
Product: Checking or savings account

Opened account on XX/XX/2020. Attempted to close the account on XX/XX/2020, but Region 's Bank refused and said it's not possible to close the account. Reason for closure request was that XXXX 's Bank would not let me have access to my initial deposit which was made with guaranteed funds, used a credit card. When I attempted to use these funds on XX/XX/2020, unknown to me, my account was frozen due to " fraud '' and I was required to come into a branch location to " prove '' my identify. Explained that that's not an option during COVID-19 and that my health doesn't allow me. I told them that this wasn't fair and that my account would be charged fees for staying open and that they couldn't deny my request to close the account over the phone. This seemed like a scam to take my deposit, lock my account, make me come into the office, in an attempt to sell me more products that I don't need, and take my money, though the use of fees from my initial deposit. Hung up with the representative with my account still being open and subject to fees with no way to move my initial deposit out of my account due to how the account was coded for fraud. Representative said that they could attempt to close the account over the phone if I called back the next day, after my guaranteed funds " posted, '' but he'd have to request to have the {$25.00} early closure fee waived. This is a scam to take customer 's money, not let them use it, lock their accounts, and not allow them to close their accounts and rake in the fees. Over the course of about 2 hours, I was bounced back and forth to different " personal bankers, '' never read any regulatory disclosures, hung up on and dropped back into the main phone tree without notice in an attempt to not solve my issue.
Product: Debt collection

I was contacted by Regional Processing Services regarding " an urgent matter. '' The person on the phone asked for my social security number and claimed no information would be provided to me until I gave my complete SS number. I refused, asked them to stop calling, and requested written notice of the " matter '' they are calling about. The caller hung up without verifying my address. Since this incident, I and my family members have received numerous calls.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Adequately Address Disputed Items and Investigate Fraudulent Information Details of Complaint : Experian has failed to adequately investigate and address my dispute regarding fraudulent accounts and inquiries on my credit report. Despite providing valid documentation, including an FTC Identity Theft Report, they continue to report inaccurate information and rely solely on furnishers/vendors for verification without conducting a thorough investigation. 
Key Issues 1. Failure to Investigate : Experian relies entirely on furnishers/vendors to verify disputed items without providing any independent verification. 
2. Fraudulent Accounts : Examples of fraudulent accounts include XXXX XXXX  ( {$5500.00} ), XXXX XXXX XXXXXXXX ( {$11000.00} ), and XXXX XXXX accounts with various balances. 
3. Unauthorized Inquiries : Numerous inquiries from financial institutions ( e.g., XXXX XXXX, XXXX XXXX XXXX ) remain unaddressed. 
4. Harm Caused : The inaccurate information has resulted in credit denials, financial harm, and reputational damage. Experians failure to comply with FCRA requirements has caused significant emotional distress.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form 1099-C for the canceled debt. As of today, I, XXXX XXXX XXXX XXXX, am explicitly requesting the issuance of Form 1099-C for the charged-off account ending in XXXX. 
I am formally requesting the issuance of Form 1099-C to ensure accurate reporting of the canceled debt associated with my account, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided
Product: Mortgage

M & T Bank held my mortgage. I sold the house in XXXX. I never received my escrow funds from M & T Bank. I received a letter from M & T saying they had my money. I asked them to send it. To date I have not received it. 
Sale of house funds I called requesting my funds on XX/XX/XXXX. They told me Check Number : XXXX Sent on XX/XX/XXXX. I did not receive it. 
Re : XXXX Acct XXXX Amount : {$2200.00} Called again on XX/XX/XXXX No check was sent to me for my escrow funds. 
Called again on XX/XX/XXXX No check was sent to me for my escrow funds. 

I was told there was a XX/XX/XXXX Check Date. To date, I have not received a check.
Product: Debt collection

Penn Credit contacted my family member and disclosed all information regarding my debt, without proper verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX, MD XXXX LITIGATION ( TRANSUNION CORP ) CASE NUMBER : XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXXay Concern : YOU ARE NOW BEING SUED ( LITIGATION ) FOR DEFAMATION OF CHARACTER. YOU HAVE FORCED MY HAND FOR THE FINAL & LAST TIME. PLEASE HAVE YOUR LAWYER TO CONTACT ME IMMEDIATELY TO RESOLVE THIS MATTER TO AVOID GOING TO COURT AND PAYING. I AM WILLING TO SETTLE OUTSIDE OF COURT, PLEASE CONTACT ME IMMEDIATELY SO THAT WE CAN RESOLVE THIS MATTER WITHOUT PAYING ME THE ( {$5000.00} ) IN DAMAGES TO NOT ONLY MY GOOD NAME, BUT THIS HAS CAUSED A LOT OF PAIN MENTALLY AND FINANCIAL PAIN TO HELP NOT ONLY MYSELF BUT MY FAMILY. ALL I WANT ARE DELETIONS OF ALL OF THESE FRAUDULENT ITEMS ON MY CREDIT REPORT DUE TO NOT ONLY IDENTITY THEFT AND FRAUD BUT ALSO THE TRANSUNION DATA BREACH SITUATION!. TRANSUNION HAS REPEATEDLY DELETED AND RE-INSERTED FRAUDULENT ITEMS ON MY CREDIT REPORT! ALL MY RIGHTS HAVE BEEN VIOLATED! YOU HAVE TWO CHOICES, EITHER DELETE ALL THESE FRAUDULENT ITEMS ON MY CREDIT REPORT ( JUST DELETIONS ; OR DELETE & PAY {$5000.00}. ALL I REALLY WANT ARE DELETIONS & THATS IT!. BUT IF I'M GIVEN A HARD TIME & MORE OF MY TIME IS WASTED WITH JUST DELETIONS I WILL SEEK ALSO THE WHOLE {$5000.00} PLUS DELETIONS. THE CHOICE IS YOURS!. I DEMAND THESE FRAUDULENT ITEMS ARE REMOVED IMMEDIATELY! MY CONTACT IS LISTED BELOW. EMAIL : XXXX cell phone number : XXXX XXXX XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, DOCTORS BUSINESS BUR added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.
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 Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I want to connect my XXXX account to my Gemini account so I can purchase XXXX but it isnt allowing me to connect the account even though I have all the correct criteria
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.