23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Dear CPFB, I am writing to submit a formal dispute regarding National Credit Systems. This issue appears to violate the following consumer protection laws : 18 U.S.C. 8 : Identity theft and assumption of a distinctive name and means of identification 15 U.S.C. 1681b ( 2 ) : Fair Credit Reporting Act ( FCRA ) - Accuracy of information 15 U.S.C. 1681i ( 4 ) : FCRA - Investigative responsibilities 12 C.F.R. 1006.34 ( b ) ( 5 ) : Fair Debt Collection Practices Act ( FDCPA ) - Validation of debts 12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) : FDCPA - Description of charges National Credit Systems that is located at NATIONAL CREDIT SYSTEMS, XXXX XXXX XXXX XXXX, GA XXXX, in the amount of {$2900.00} and they are violating my consumer rights by using false misleading, misrepresentation and deceptive means. I am letting you know that I am disputing owning any and all debts to them. I am also revoking all your rights of communicating with me through email/text/calls. 

I am requesting debt validation. I am also requesting the purchase agreement between them and the original creditor. Lastly I am requesting that they furnish proof that they are licensed and bonded. Please consider this letter a formal complaint and respond within 30 days outlining the steps you will take to resolve this issue. Please remove this off my credit report and I reserve the right to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal counsel. 

Thank you for your time and attention to this matter. 


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

Unauthorized Hard inquiry Midland Credit Management. Unauthorized agreement $ XXXXDispute reason I previously disputed this, and I don't agree with the investigation. 
I previously disputed this account stating : " % I don't agree with the results of your investigation. 
XX/XX/year> Its Been XXXX  years and XXXX  months nows. Your items currently remain on your most recent credit report. Unless you have received a direct mail from XXXX, there is still a chance that it will be removed in the coming days. ( Company response ) .Its yet to have been removed Id appreciate it taken off my report and cleaned off as its damaging my XXXX. Thanks you
Product: Debt collection

I have asked for proof of that this is my debt they have not provided, they have garnished my wages. 
I have provided them proof I was a victim of id theft & disputed as them told me to do. 
Their finding was that there records is accurate. They still dnt provide me proof that its my debt this seems very criminal. This is in violation of my right according to the Fair debt act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card rejected because of Experian report Request experian report. Requests ID with link to upload page. 

Upload page does not specify any requirements upfront about images. 

Only after uploading XXXX, learn it not accepted. Only XXXX or PDF. 

Upload XXXX, learn of total 15mb file size requirement across all uploaded docs ( 2 uploaded ) I upload a compressed XXXX. Learn for first time only accepts black and white XXXX. 

I convert images to black and white. Still rejected. 

Unreal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I observed on my credit report that I had a delinquent account with American Express. This account had not been paid in years and I reached out to them to offer a settlement to have the account closed showing settled. When I contacted the company at XXXX I was told the account was in collections with XXXX collection company. I was told to contact XXXX at XXXX to settle my debt. I contacted XXXX on XX/XX/2020 and was told they were not handling any accounts with my information and that I would need to contact American Express again at XXXX. I once again contacted American Express and told them what XXXX informed me. I was then informed that my account must be in limbo between collection agencies and them and that I would have to call back at a later time. I asked to speak with a supervisor because it is my right to take care of debt on my credit report when I call and if they can not provide that service for me than I believe the debt should be removed from my credit reports all together. American Express is causing my credit to suffer longer than it should because I have the money to settle the debt on XX/XX/2020. I wish for American Express to provide me the means to settle this debt and to allow it to show settled as of XX/XX/2020 since this is the day I attempted to settle the debt or I request American Express to show the debt has been paid in full without collecting my payment since they will not provide me a way to pay it. The account is listed under my name and social as they would not provide me an account number.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Bank XXXX XXXX Account number : # XXXX and # XXXX Balance : {$2200.00} Date opened : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXX CARD Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Payday loan, title loan, personal loan, or advance loan

Multiple attempts over past XXXX  days and on previous occasions- to make contact with BankOZK re : my ability to pay debt, debt modification, debt management plan on XXXX XXXX XXXX XXXX. The automated answering system hangs up on me, states offices are closed even when calling during stated business hours. Attempts to contact using website message service ( name, email, phone, concern etc. ) without response. Default of automated answering service is to provide loan payoff and amount due only, only once has transferred me to human responder who could not help me nor provide direct number to billing department - stating internal number only but would make a note on my account about inability to pay ( XX/XX/XXXX ) but would not trigger call back or email correspondence and a sorry for the inconvenience. 

Speaking with a representative HAS BEEN AN ONGOING ISSUE WITH BANK OZK SINCE LOAN ESTABLISHED XX/XX/XXXX - as they continue to work with website/automated services which make speaking with person nearly impossible UNLESS you miss/are late on a payment or owe a late fee. On this XXXX occasion, they attempted to call during my work hours - number provided was same as mentioned above - and only emailed once which was an instance I could reply to. 

I am trying to work with a company to establish a DEBT MANAGEMENT PLAN and this company has been ALSO UNABLE to establish contact with BANKOZK.
Product: Credit reporting or other personal consumer reports

Someone Attempted to open a credit card under my name for XXXX XXXX. Thankfully, the premier bankcard couldn't verify my identity and marked it as fraud, but someone out there, has my information and is attempting to open a line of credit. i have frozen my credit inquiries on the big 3 websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian relied back to where I filed a complaint on XXXX/XXXX XXXX regarding my loan with XXXX XXXX   showing incorrect as well as late shows and wrong information showing. Experian when replying back to CFPB needs to have the right information and stop replying back with wrong information pertaining to this account. I talk to a manager for XXXX and he explain to me they was updating the information to send to Experian for the correct information that should show on the credit file. I spoke to a manger on XX/XX/2018 regarding the situation and I was told it was over in the credit department to be adjusted correct and Experian was getting sent to Experian to be updated. And was informed that Experian also was or reported the wrong original amount of the loan as well.XXXX  is no longer XXXX it is XXXX in which took over Formerly XXXX  change names as that information is wrong as well by Experian nor has Experian provided proof documented as to the issue
Product: Money transfer, virtual currency, or money service

I used a pay a person option and I did XXXX transactions on XX/XX/XXXX for {$500.00} and on XX/XX/XXXX for {$500.00} and on XXXX for {$160.00}. And all three transactions routed to a different bank which I don't have an account with, and it placed my name as a recipient on those. 

It should generate a security question for pay a person which I didn't get at all these XXXX transactions, and it went to a different account. I think there is a security breach and so many loopholes in this pay a person feature with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion numerous of times to resolve this incorrect information on my credit report. i have filed police report with the XXXX county police department. I have yet to come to a resolution to this miss information on my account. The following information is listed incorrectly XXXX Accounts, XXXX XXXX  and the following addresses are incorrect XXXX XXXX  XXXX XXXX, GA, XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and the following inquires XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experiences I have had while attempting to open accounts with your institution. Despite multiple efforts, I have encountered numerous issues, delays, and errors that have severely inconvenienced me. 

To provide some context, I initially decided to open accounts with XXXX XXXX and XXXX XXXX XXXX based on your institution 's reputation for excellence in financial services and the attractive account offerings you have. However, my experience has been far from satisfactory. 

I made my first attempt to open an account, and it was met with an unexpected delay. I patiently waited for the process to be completed, but after several weeks, I received notification that there had been an error, and my application was not processed correctly. 

Following this initial setback, I decided to give your institution another chance and submitted a second application, I encountered a similar delay and frustration, with communication from your institution being sporadic at best. 

Not willing to give up, I made a third attempt to open an account. Unfortunately, this experience was marked by further confusion and delays, causing me significant inconvenience and distress. 

I believe that every individual deserves a smooth and efficient process when trying to open a financial account, and my experiences with XXXX XXXX and XXXX XXXX XXXX have fallen far short of this expectation. The repeated delays and errors have not only wasted my time but also damaged my confidence in your institution 's ability to handle my financial matters competently. 

In light of the above, I kindly request that you take immediate action to rectify this situation. I expect a prompt resolution to my account opening process, with clear communication throughout. If there are any specific documents or information required from my end, please let me know at your earliest convenience so that we can expedite this process. 

Furthermore, I would appreciate it if you could investigate the causes of these issues and take steps to ensure that other potential customers do not face similar problems in the future. 

I trust that Credit Bureaus values its customers and their satisfaction, and I hope this matter will be addressed with the utmost urgency. If this issue is not resolved promptly and to my satisfaction, I will be left with no choice but to explore alternative banking options.The Credit Bureaus should correct the following late open accounts : XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$440.00}.
Product: Student loan

I requested a copy of my original loan documentation twice. Initially I was told I would receive proof of my debt owed in hardcopy form by XXXX/XXXX/XXXX. I did not receive it and so I called on XXXX/XXXX/XXXX to ask when the documentation would be sent to me. They said they were sorry and I would receive the hard copy by the end of XXXX XXXX. I received one page, no amount, no school loan information. They sent me a signature page dated XXXX. 
I then asked for proof of my loan debt which I do not owe and now they are threatening collections and sending 2-3 emails a day asking me to log on for ways to pay a loan I am disputing. I asked if this collections can be put on hold until it is verified that I owe this debt. They said only if I admit the debt is mine and plan to repay. I stated I am disputing this debt. 

Needless to say I am having my credit ruined and I can not get them to honor the laws put in place to protect my rights as a consumer.
Product: Checking or savings account

My checking account was closed when I filed a dispute after my card was stolen and {$2800.00} came up missing. I had to fight to get MoneyLion to investigate and reimburse the {$2800.00} and when they did they close my account and issued a check XX/XX/XXXX that stated it was valid for 180 days. When I went to go and deposit that check into a financial institution they informed me the check was no good and that money lien said that they would not be issuing the funds so basically they wrote me a bad check and are not giving back my money in a timely manner. How is it that a bank issues a bad check? I need to get my money back to me and they need to add {$40.00} on for a return check fee
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter to Transfinancial Companies in which they didnt respond. So, I proceeded to send a letter to the Credit Bureaus in which they stated they validated that it was mine, however during the verification process they still didnt send me anything with my signature to prove that the debt was mine. The debt is in the XXXX of {$640.00}. This is a violation of HIPAA because Im allowed under HIPAA to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPAA does allows the release of limited information about me but with the patients authorization. Therefore my request was twofold-validation of debt and HIPAA authorization.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Agency : I am writing to formally request the removal of an unverifiable and inaccurate account from my credit report as reported by XXXX, XXXX, and TransUnion. This account, XXXX XXXX XXXX XXXX in the amount of {$11000.00}, has been investigated and subsequently deleted from my XXXX credit report as of XX/XX/year>. 

As mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy in their reporting. XXXX has verified during their investigation that this account is unverifiable and has deleted it from my credit file. Therefore, this same standard of accuracy and verification applies to your agency, and you are now required to follow suit in accordance with the FCRA. 

Additionally, 15 U.S. Code 1681i ( a ) obligates you to reinvestigate and remove any disputed information that can not be verified within a reasonable period of time, typically 30 days. The deletion of this account by XXXX constitutes sufficient evidence that this account can not be verified and, thus, can not legally remain on my credit report. 

Please consider this letter as my formal dispute of this account with your agency. I kindly request that you take the following actions : Delete the XXXX XXXX XXXX account entirely from my credit report within 30 days or less. 

Provide written confirmation that the account has been removed or the results of your investigation. 

Failure to comply with this request within the specified time may result in my pursuing legal remedies, as permitted under 15 U.S. Code 1681n and 15 U.S. Code 1681o. These provisions of the FCRA allow me to seek damages for noncompliance, including but not limited to statutory damages, actual damages, court costs, and attorney 's fees. 

I have attached a copy of the updated XXXX credit report reflecting the deletion of this account for your reference. Please consider this documentation as evidence in support of my request. 

I look forward to your timely compliance and written confirmation of the removal of this account from my credit report. Should you require any additional information to process this dispute, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/2023 I realized I was a victim of Identity Theft, after I received a XXXX XXXX credit card and a bill from XXXX for two new XXXX both of which I did not apply for. 
I had completed all steps to get those items handled, filed a police report, filed a FTC Report, froze my credit, etc. 
On XX/XX/2023 I received a letter in the mail from the debt collector Vengroff Williams who was trying to collect {$760.00} for a XXXX transaction. After contacting the debt collector I found out the transaction was completed at XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. The XXXX employee informed me that in addition to my name on the contract for the XXXX rental two additional names had been added to the contract. Unfortunately XXXX would not provide me with the two additional contacts listed on the rental. The contract number is XXXX. The XXXX had been picked up from XXXX XXXX on Thursday XX/XX/2023 at XXXX XXXX and had been dropped back off on XX/XX/2023 at XXXX XXXX. The pickup date was prior to when I first filed my initial report. The original cost for the XXXX rental had been {$210.00}. 
The original police report has been updated and both Vengroff Williams and XXXX have been contacted and appropriate steps are being taken to get this resolved.
Product: Student loan

Payment are {$170.00} for the first year and {$420.00} beginning XXXX year. This can not be right. 
After several emails to Aidvantage without response. I can't even get Aidvantage to respond to questions about what pay plan my account is tied to. It is supposed be the XXXX plan.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. They CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 I applied for a personal line of credit when I applied for a checking account with Key Bank in XXXX Washington. In early XX/XX/2021 I was qualified and accepted an offer for a line of credit for {$5000.00}. I was not told that I would have to go online to their online platform and accept the offer because in my mind, I accepted the offer with no warning that I would have to accept it again a 2nd time. 

I went to the bank when I realized that I no longer had access to this account and was hold my a bank rep that they would get their " back office '' to investigate and would call me Monday XX/XX/2021 with an update. I never received a call. 

Today XX/XX/XXXX I went back in to the same branch and spoke with a personal banker XXXX XXXX to called the back office and told me I would have to reapply where my credit score would be hit now a 2nd time for an offer and acceptance of a line of credit that I already qualified for an accepted. This was not acceptable and I feel they should able to reactive something I already had that they closed with out my permission.