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

On XX/XX/2021, I mailed a certified letter with return receipt service to TransUnion XXXX Solutions requesting the Method of Verification that was used to verify a XXXX Chapter XXXX bankruptcy case that they were reporting on my TransUnion annual credit report file number : XXXX. I stated in the letter that I was excercising my rights under the Fair Credit Reporting Act that says a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. " I stated in the letter that I was not disputing nor was I asking for an investigation into the reported Chapter XXXX bankruptcy. I clearly stated in the letter that I was only requesting the Method of Verification procedure for the following items regarding the reporting bankruptcy : the description of the procedure used to determine the accuracy and completeness of the information ; name, address and telephone number of each person they contacted to verify the bankruptcy with ; and a copy of any documentation that was used to verify the bankruptcy. I also stated that I anticipated a response within 15 days of receipt of this letter in compliance with the FCRA. In this letter, I included all of my personal information : name, current address, date of birth, and social security number. I also included a copy of my driver 's license and social security card as proof of identification. Within 15 business days, I received a one page letter with the same file number that was dated XX/XX/2021 that stated, Re : Investigation Procedure. This was merely a generic letter that described the way they go about investigating a dispute. This was not the Method of Verification procedure letter that I had requested regarding the reported bankruptcy. A week later, after the 15 business days had expired, I received a backdated XX/XX/2021 full copy of my TransUnion credit report with the same file number as the one I had listed in my Method of Verification request letter to them. Two weeks, after the 15 business days had expired, I received a backdated XX/XX/2021 letter saying that the disputed bankruptcy had been verified as accurate according to their investigation. I did not send TransUnion a dispute letter. I did not request an investigation be initiated concerning the bankruptcy. I requested the Method of Verification that they used to verify the accuracy of the bankruptcy. No where in any of these three letters from TransUnion did they provide me with the Method of Verification procedure that was used to verify the accuracy of the bankruptcy case that they are reporting which is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Debt collection

ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?
Product: Prepaid card

On XX/XX/year> I went to XXXX XXXX XXXX to use the ATM to take out money since the money network card only allows you to take out from specific ATMs. When I went to take out the {$300.00} it said it was processing and to take my money but nothing came out. I had spoken to a manager who stated XXXX XXXX XXXX had nothing to do with the ATM but their cameras were working in case they were ever needed! I didnt call the police as I assumed the ATM company would resolve this matter without it turning into this! 
They went ahead and gave me my money while they continued their investigation. Once they finished they said they concluded that the ATM was working properly that day and they retuned the money which left me at a negative! I went ahead and disputed that on XX/XX/year>! I told them they needed to better investigate, ask to view cameras or what not. That money is rightfully owed to me and I never received it! 
It took up to now to receive an answer from my apeal only to get the answer that it was also denied due to the ATM working properly or being properly funded that day! At this point I feel they are the ones stealing from me because I know I NEVER received my money! 

My case number for money network is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX concerning the accuracy and reporting practices of an account listed on my credit report. 

The account in question is identified as XXXX and is associated with XXXX XXXX XXXX XXXX However, I have noticed that the credit report indicates that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. Despite this, XXXX XXXX XXXX continues to report this account on my credit file, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA guidelines, specifically under 15 U.S.C. 1681s-2 ( a ) ( 5 ), once a debt has been sold or transferred to a new company, the original creditor ( XXXX XXXX XXXX XXXX is no longer responsible for reporting it. The responsibility for reporting the debt now lies with the new company ( XXXX XXXX ), who currently owns the debt. 

By continuing to report this account on my credit report, XXXX XXXX XXXX is potentially violating the FCRA 's provisions that govern accurate and timely reporting of information to credit bureaus. 

I believe that XXXX XXXX XXXX should update my credit report to reflect that the account has been sold or transferred to XXXX XXXX and remove any reference to this account from their reporting. 

Enclosed is supporting documentation from the credit report, clearly showing that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that XXXX XXXX XXXX complies with the FCRA and accurately reports my credit information. 

Please provide me with a written response once the investigation is complete and appropriate action has been taken to rectify the situation. 

Thank you for your prompt attention to this complaint. I look forward to a resolution that upholds my consumer rights and ensures fair credit reporting practices. 

Sincerely, XXXX XXXX
Product: Debt collection

I have an incorrect collection on my credit report without verification of debt. I asked for verification of contract and have yet to receive a response. This company has even threatened legal action
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX  Account Number XXXX I am filing a formal dispute regarding the inaccurate reporting of a charged-off auto loan by XXXX  XXXX that appears on my credit report. This account, charged off six years ago, is being unlawfully reported in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ) and has yet to be corrected despite my disputes. As this information is inaccurate and outdated under 15 U.S.C. 1681c ( a ) ( 4 ), I am requesting the immediate removal of this charge-off from my credit report to correct the false data and protect my consumer rights. 

This incorrect reporting has caused serious economic damage, leading to credit denials, higher loan interest rates, and increased insurance premiums. I am requesting that the CFPB compel XXXX  XXXX and the credit reporting agencies ( XXXX, TransUnion, XXXX ) to remove this charge-off under 15 U.S.C. 1681i ( a ). The ongoing failure to address this dispute has caused me financial harm, and I request immediate action to ensure compliance with the law. Please confirm the removal of this inaccurate information.
Product: Debt collection

Date:XXXXXXXXXX From : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX To : Diversified Consultants XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX : Cease and Desist Acct # Dear : Diversified Consultants Inc I am respectfully requesting that you refrain from contacting me by phone, with no letters in the mail, by text messages and email. Please refrain from using such methods as skip tracing, to contacting my relatives and employer. Do not contact met at all! Your continues calls, letters in the mail, text messages, emails and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions ( FDCPA ) Laws. If contact does not ceases immediately I will be forced to utilized legal representation from a FDCPA Attorney. 
Fair Debt Collection Practices Act including but not limited to sections : 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts  Regards, XXXX XXXX
Product: Checking or savings account

Complaint narrative : RE : Complaint regarding Regulation E violation by M & T Bank Dear Sir or Madam : This is a complaint against M & T Bank for violating Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 1005.11, by not conducting an investigation and/or by not providing a written explanation of why my claim of unauthorized transaction under Regulation E was denied. 

On XXXX I notified M & T Bank that my Debit card was used for an unauthorized transaction in the amount of {$990.00} on XXXX with a merchant XXXX. I did not authorize any transactions with the merchant XXXX on or after this date, and I did not authorize anyone else to use my Debit card with that merchant. 

On XXXX I found out that M & T Bank denied my Regulation E dispute without providing a responsible written explanation. 

I kindly request that you investigate M & T Bank 's violation of Regulation E, and compel M & T Bank to restore the funds which have been withdrawn from my account as a result of the above mentioned unauthorized transaction. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

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

This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to Equifax 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I opened a credit card associated with the now bankrupt blockfi interest reward platform. This card promised rewards in the form of XXXX  cryptocurrency. 

When blockfi filed bankruptcy the card broke thier agreement on thier rewards promises but didn't enter into the suit with blockfi. Only raise thier card rates and demand I hold up my end. 

When contacting them they gave no reason for thier breaking of the agreement. I sent letters to all XXXX  major credit bureaus disputing this account but was denied. I've been given XXXX recourse by all other agencies. Consumers are left out in the cold when big business takes advantage of them these days.
Product: Credit reporting or other personal consumer reports

An fraudulent account was opened in my name and sent to an address I have never lived at. I have reached out to XXXX XXXX over XXXX times without a reply or resolution. Not know that a previous account had been opened in my name I discovered this account when applying to XXXX XXXX and noticed the fraud reported on my credit report. I provide ID affidavits and statements and XXXX XXXX has failed to fix this and has caused me employment termination and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( TRAN ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( EXP ) DATE LAST ACTIVE XX/XX/XXXX ( TRAN ) XXXX  SHOWING DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?
Product: Credit reporting

Transunion continues to block online access to my credit report when I have been denied credit. They will provide my free annual credit report online and they will provide it to me online if I PAY them, but they continue to block me access from getting a free online copy of my credit report after being denied credit. This is a violation of the law and I would like them to stop forcing me to pay for my credit report when I am entitled to a free copy under the law. They are purposely stealing money from me by forcing me to pay for a report ... this is unacceptable behavior.
Product: Mortgage

We have been trying to do a Loan Modification with Ditech for over 20 months. During this process they would keep asking us for more and more of the same information we had provided already. We would call every couple weeks to get updates and all we were told is that we would get something in the mail. Then all we would get in the mail is that they need updated bank statements, XXXX, and profit and loss statements. we had already provided this before but then since it would take long for them to get back to us they would request it again. Finally when they did answer us it was with a Denial that we could n't modify so now we are in Foreclosure. In the mean time we did receive a letter attached that if we need help to call Ditech so they can assist us.
Product: Credit reporting or other personal consumer reports

I Received verification/ Letters / EMAIL that XXXX XXXX  XXXX XXXX XXXX, XXXX  has been PAID/COLLECTION CANCELED TO BE REMOVED FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES!!!!! 
ACCORDING TO CONSUMER PROTECTION FEDERAL SERVICES AND THE FCRA, AND THE FEDERAL TRADE COMMISSION!!!! 
15 USC 1681 ( A ) ( B ) ( C ) ( E ) STATING INACCURATE INFORMATION AND THE RIGHT TO PRIVACY AND ETC!!!! 
I WANT TO SUE FOR MONETARY DAMAGES FOR ALL THESE YEARS STATING ALL THESE ERRORS ON MY 3 MAJOR CREDIT REPORTING AGENCIES ACCOUNTS!!! 
ALL 3 MAJOR CREDIT REPORTING AGENCIES SHOULD REPORT EXACTLY, ACCURATE SAME INFORMATION!! 
THIS HAS BEEN 2 TO 3 YEARS DISPUTING THESE 2 OR MORE ACCOUNTS!!

30 TO 90 DAYS IS THE LAW TO REMOVE THESE PROVEN TO EXTEND PAST 30 TO 90 DAYS AUTOMATICALLY SHOULD BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES!!
Product: Money transfer, virtual currency, or money service

In the fall/winter of 2022 I was scammed of {$850.00} and when i tried talking to customer service the proceeded to tell me that they dont work with zelle they dont help with that and I ended up going in debt.
Product: Student loan

For years I was only given forbearance options and my loan has skyrocketed to over 110k because of the interest capitalization and origination fees. That was never explained to me nor did I completely understood my options at the time. Forbearance was the only option offered. I believe when I completed my XXXX program ( Never could finish my dissertation ), I could not afford any additional loan and my balance at the time was only XXXX. Now I am not even going to school and it ballooned XXXX higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX account that I used to pay monthly with my XXXX XXXX credit card. I disputed an erroneous charge. I won the dispute. The XXXX XXXX dispute number for the dispute theat I won is # XXXX XXXX XXXX XXXX. XXXX, illegally sent this charge to be collected by I C System who then, without any notification placed it with XXXX as a derogatory account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

According to code 15 USC 1681 ( 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. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.I never gave written permission to anyone to put account XXXX Southwest Credit Systems on my credit history but it's showing on my transunion. Now I have a debt I don't know what it is and it's not from me. I have a right to privacy, I never gave written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three letters to XXXX, XXXX and Equifax with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,
Product: Debt collection

On XX/XX/year>, I discovered an unauthorized collection account from Midland Credit Management on my credit report. This account was reported without my knowledge or prior notification. Midland Credit Management failed to provide any written notice of this alleged debt before reporting it to the credit bureaus, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have not received any communication from Midland Credit Management regarding this alleged debt. They have not sent me a validation notice as required by law, which should include details about the debt, the creditor, and my rights as a consumer. 

The amount of the alleged debt is unknown to me, as I have not received any information about it. I am disputing the accuracy and validity of this debt, as Midland Credit Management has failed to provide proper verification. 

This unauthorized reporting has negatively impacted my credit score and financial standing. I am requesting that the CFPB investigate this matter and require Midland Credit Management to provide proper validation of the debt or remove it from my credit report if they can not do so.
Product: Credit reporting or other personal consumer reports

There is a XXXXXXXX XXXX account reporting on my credit report. Ive submitted multiple disputes for this account with Transunion, XXXX, and XXXX due to the inaccuracy of the account. 

XX/XX/XXXX I received notice of an account that was disputed via online and it came back again verified and updated. 

XXXX XXXX I mailed a certified letters to all three bureaus in regards to this account. 

XX/XX/XXXX I received notice of an account that disputed via online and it came back verified. 

XX/XX/XXXX I received another update to that account that it is now open The first issue I have is that the issue company is reporting a balance when in reality the company has wrote the debt off and has been able to get money in collateral for the tax wrote off. 

The second issue that I have is I never received any documents about this account. No information on closing of account, no tax documents were sent to me as far as the write off goes becuse it was reporting as my debt. 

The icing on top of the cake is when I received an alert today XXXX XXXX via XXXX saying I had a new delenquent account that was open. And the account was for XXXX for XXXX XXXX