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

On XX/XX/XXXX at about XXXX XXXX  I had put a {$100.00} bill and two {$50.00} bills into my Bethpage FCUs farthest right most ATM. The machine then froze and read that I had only put in {$150.00}. I cancelled the transaction trying to get back my {$200.00}, but only received {$150.00}. I went into the bank the next day and told them what happened to which they replied they would investigate. I was credited the {$50.00} while they conducted their investigation and later noticed that the {$50.00} had been taken back out of my account, meaning my claim was denied. I went back to the bank on XX/XX/XXXX to ask why and they told me after their investigation into themselves they found no discrepancies with the ATM and that there was nothing they could now do. They gave me a phone number to call, which I called multiple times and not once was I received by a representative as they were always busy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AN ALLEGED DEBT RECENTLY. PLEASE BE ADVISED THAT I HEREBY DISPUTE THE VALIDITY OF THE ABOVE-LISTED ALLEGED DEBTS IN ITS ENTIRETY. I REQUESTED VERIFICATIONS/VALIDATION OF THE ALLEGED DEBT AND SPECIFICALLY REQUESTED A COPY OF THE ORIGINAL CONTRACT OR AGREEMENT SIGNED BY THE ALLEGED ORIFINAL CREDITOR AND ALL PARTIES TO ANY SUCH CONTRACT PROVIDED. NOTE: A BILLING STATEMENT, NOTICE OR ANY UNSIGNED DOCUMENTS IS NOT VERIFICATION OF THE ALLEGED DEBT. YET YOU SEND A BILL STATEMENT WITH NO CONTRACT OR SIGNITURE PROVING THAT THIS ALLEGED DEBT IS MINE AND LIED ABOUT PROPERLY VERIFYING THESE ACCOUNTS. MAIL WAS RETURED FROM ADDRESS BECAUSE THAT IS NOT MY ADDRESS.

YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TOCOLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTIONS ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES (CRAS). PROVIDING ME THE SPECIFIC VERIFICATION DOCUMENTS ABOVE SHALL BE DEEMED COLLECTIONS ACTIVITY. FURTHER, I REQUEST THAT YOU PROMPTLY DELETE ANY AND ALL PRIOR CONSUMER REPORTING MADE TO ANY CRAS.IF YOU COMPLY WITH MY CEASE COLLECTION & DELETEION REQUESST, THEN YOU ARE EXCUSED FROM VERIFICATION. IF YOU OPT OUT TO PROVIDE VERIFICATION, ALSO PROVIDE PROOF OF THE CHAIN OF TITLE OF OWNERSHIP OF THE DEBT. IF THE ALLEGED DEBT WAS ACQUIRED BY A DEBT BUYER, THEN PROOF OF CHAIN OF TITLE OF THE ALLEGED DEBT MUST BE FROM THE ALLEGED ORIGINAL CREDITO TO THE CURRENT ALLEGED OWNER WITHOUT ANY BREAK IN CHAIN.
NOW, I KNOW THESE ACCOUNTS IS IN VIOLATION OF MY RIGHTS AND I KNOW YOU THINK YOU'RE GETTING OVER BY PLACING DEBTS YOU RANDOMLY GOT FROM YOUR DEBT BUYER ON MY CREDIT REPORT AS A WAY TO TRY AND HURT ME, BUT THIS WONT FLY WITH ME.
YOU HAVE 15 DAYS FROM THE DATE OF THIS LETTER TO SEND EVIDENCE THAT THIS ACCOUNT IS MINE. I WILL NOT ACCEPT ANOTHER BILL ONLY THE ORIGINAL CONTRACT WITH MY SIGNITURE!
I TRUST THAT YOU WILL DO YOUR DUE DILIGENCE AND UPHOLD THE 105 REGULATIONS SET OUT FOR YOU IN THE FDCPA AND FCRA AND YOU WILL BE DELETING THIS ACCOUNT, BUT I ALSO DO WANT YOU TO KNOW THAT I KNOW MY RIGHTS!
THIS LETTER IS EEVIDENCE THAT MAY BE PROVIDED TO THE CONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORIZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL TURN THE MATTER OVER TO A CONSUMER ATTORNEY.
SINCERELY 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX, I contacted American Express to request a payment plan for the outstanding balance on my account. They accepted my request. However, they did not complete the setup of the payment plan correctly. They excluded almost 25 % of the balance in error, and it started aging as unpaid. I have paid the monthly installment every month and not been late. I have contacted American Express every month to request correcting the amount that was excluded. They tell me every month that it is under review and someone will call me back. No one ever calls me back. In XX/XX/XXXX, I started calling every week. In XX/XX/XXXX, I started calling every day. Finally in late XX/XX/XXXX, they called me back and stated that there was nothing they could do and the amount shown as unpaid and aged more than 120 days and negatively showing on my credit report was going to have to stay that way. I requested a manager and director call me so I could appeal, and now they will not call me back yet again. I feel disempowered and the victim of terrible customer service.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no XXXX party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card

I noticed Im being charged interest on payments I already made. This was not explained to me before signing up. Care credit is using predatory lending practices on patients in distressed situations. The interest rate is already 30 % which is higher than my state legally allows which I researched later. Please be aware and know your consumer rights first.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_REPRISE Date open________________________________________ Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount XXXX Account NameXXXX XXXX XXXX _ Date XXXX Account Number XXXX Reason for dispute IDENTITY XXXX Account XXXX Account Name XXXX Date XXXX Account Number_XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account XXXX  XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX  XXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018. 
A letter from TD Bank was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that TD Bank did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that TD Bank is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XXXX of 2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by TD Bank and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from TD Bank.
Product: Credit reporting or other personal consumer reports

I have a transunion.com account. I am billed monthly for my credit report. I have tried to cancel this subscription. When I go to log in the website asks for my social security and then the website takes me to a page that is not working. 
I have called and they keep pushing me to a text platform. 
I am on hold. I want to login and cancel my subscription. 

They are not letting me login
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. 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 these items are being reported correctly? Who verified these items? 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 company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 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 XXXX XXXX & XXXX XXXX XXXXXXXX
Product: Debt collection

i sent out my final letter to SOUTH MISSISSIPPI COLLECTION on XXXX XXXX, about the alleged debts of XXXX and XXXX that i dont owe.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$150.00} and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTHERN MISSISSIPPI COLLECTION has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Debt collection

Account is a mistake it self because its reporting inaccurate information. The following data is either inaccurate or missing : Date last verified, date open, date last reported, disputed status, last payment, stating a pass due on a collection account, stating open account while in collection and derogatory all at the same time. Previously, disputed account with bureaus and results came back with copy of bill statements. This does not correct the inaccuracies that account is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous of credit inquiries on my credit reports that I have not Authorized I only have open accounts with XXXX for my homes, XXXX XXXX for my car, XXXX for my car, XXXX XXXXl for my car and XXXX XXXX for my car. Other than that all other inquiries need to be removed My name is also XXXX XXXX XXXX all other names need to be removed My social ends in XXXX all others need to be removed immediately as it is causing my credit to report false info Please update my only address to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The credit bureaus are also reporting XXXX XXXX  and this is a HIPPA Violation, this should not be reporting onto my credit report as well as the information being reflected is inaccurate and must be deleted
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you review the documents? Some listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has made numerous inquires into my credit since XXXX. Not a single one of those were authorized. I have not been shopping for either an auto loan or a credit card. I am currently in Chapter XXXX bankruptcy and not even allowed to apply for credit. I have filed disputes online with the credit reporting companies as well as mailed something to Capital One requesting removal. I have, to date, received NO PROOF that I agreed to these inquiries. When asked for proof I received a letter that just said " Inquiries are a factual part of your credit ''. I have not, and will not, ever apply with Capital One for anything. This has been affecting my application for a mortgage during my Chapter XXXX. I want the following inquiries removed from ALL Credit Reporting Agencies. 


XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX, XXXX ACCOUNT # XXXX ACCOUNT Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : US DEPT OF ED/XXXX Account # XXXX Account Name : DEPT OF EDUCATION/XXXX  Account # XXXX 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Checking or savings account

Complaint Against Chase Bank for Processing Fraudulent Lease Payments I am filing this complaint against Chase Bank for facilitating and processing fraudulent lease payments for a lease that was invalid and misrepresented by the landlord ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). 
1. Fraudulent Lease & Misuse of Funds o I have been paying rent to XXXX XXXX XXXX XXXX via Chase Bank since XXXX. 
o The landlord had no valid lease agreement with me, as the original tenant ( XXXX ) had already received his deposit refund and was removed from the lease. 
o The landlord used a different entity ( XXXX XXXX ) to create a false lease under XXXX  XXXX and forced me to continue payments under fraudulent terms. 
2. Chase Banks Role in Processing Fraudulent Transactions o Chase continued to process my rent payments despite clear evidence that my lease was void. 
o The payments were made under false pretenses due to fraudulent lease documents and misrepresentation by the landlord. 
o Chase failed to flag these transactions for review or notify me of potential financial fraud risks.

3. Request for Refund & Investigation o I am requesting that Chase Bank reverse all fraudulent rent transactions processed under this lease. 
o I request that the CFPB open a formal investigation into Chases failure to protect against fraudulent payments. 
o I am seeking a full report and response from Chase regarding why these transactions were not flagged and why they continued processing payments for an invalid lease. 
I am willing to provide all necessary documents, including bank statements, lease agreements, and legal filings proving fraud. I appreciate the CFPBs assistance in holding both Chase Bank and the responsible landlord accountable.
Product: Credit reporting or other personal consumer reports

They are showing Court records that are incomplete and court records that are 7 year and older.
Product: Credit reporting or other personal consumer reports

The following inquires that appeared on my TransUnion credit report that i did not make and are Unauthorized, i requested for removal over and over again and they refuse to remove it.. 

( XXXX - XX/XX/XXXX ), ( XXXX XXXX Services - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), ( XXXX XXXX - XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX Via XXXX XX/XX/XXXX ) I kindly request that you provide detailed information about the entities or individuals who have accessed my credit report, including their names and addresses, along with the permissible purpose for each inquiry.

It is my understanding that under 15 USC 1681b, my consent is required for inquiries made for purposes other than those expressly allowed by law.

I do not recognize these lenders and i did not authorize them to perform a hard inquiry on my credit report by the provisions of the fair credit reporting act, i demand these items be investigated and removed from my report, under 15 U.S.C. Sec. 1681i ( a ), you must complete this within XXXX XXXX.

This is outright fraud and I have filed with the FTC my next step is to take legal action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last XX/XX/XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.