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

On XX/XX/2021 I submitted a dispute letter to your company, disputing two student loans that recently appeared on my account out of nowhere. I asked your company to not only investigate where such debt comes from but to send me proof of such debt or to remove such debt as, again, such debt does not belong to me. 

What I received in response was an " account update " email that had no status update attached and I discovered the two student loans account were taking out of dispute status. 

According to the law and per my request via my letter dated XXXX, I asked your company to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. Your company did not do that, in fact it seems your company did nothing but dismiss my claim and take the accounts out of dispute. 

The other two bureaus found no baring that these two students loans belonged to me, so I am confused as to why or how only your company was able to find them them to accurate. 

Because your company did not do that what is required by law, you are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. I am asking that you remove the accounts in question.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America for their refusal to cash a XXXX. XXXX XXXX, which is drawn directly from the Federal Reserve. This refusal has greatly impacted me as a consumer who primarily uses an online bank. 

According to the law, specifically the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, financial institutions are required to accept and process electronic funds transfers, including money orders. The XXXX. XXXX XXXX in question is a legally-binding and negotiable instrument, and should have been accepted and processed by Bank of America XXXX XXXX issues. 

Furthermore, the bank 's refusal to cash the money order has caused me significant inconvenience and financial loss. The maximum value of XXXX XXXX XXXX XXXXXXXX is {$1000.00}, and as such, I am requesting that Bank of America compensate me in the amount of {$1000.00} for their failure to comply with the law and for the hardship caused. 

I believe that Bank of America 's actions were in violation of the XXXX and Regulation XXXX, and I urge the CFPB to take appropriate action to hold the bank accountable and to ensure that consumers like me are protected in the future. 

The location of the Bank of America in question is located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023 at approximately XXXX XXXX XXXX XXXXXXXX was not wearing name tag and refused to understand that the money the bank deals with comes from the Federal Reserve and the XXXX. money orders are drawn from the Federal Reserve. It's the most secured money there is, but not from my experience. 

Thank you for your time and attention to this matter. 

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

On XX/XX/2023 and XX/XX/2023, I mailed a letter to Bridgecrest requesting a copy of the bill of sale, loan agreement, right to redeem notice and the notice of deficiency. Each time, Bridgecrest response was they was not able to locate or validate the account and that I would have to call in and request the information. I contacted bridgecrest prior to XX/XX/2023 where I spoke to a representative who not only confirmed the account with me, but also provided me with the VIN # to the vehicle. When I disputed the account through the credit bureaus, Bridgecrest validated the account as accurate. I don't understand how they can validate the account as being accurate with the credit bureaus even though when I requested documentation regarding the accuracy, I was told the account could not be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported XXXX XXXX as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
Product: Credit card

I made a purchase of XXXX on XX/XX/XXXX. I made a payment of XXXX on XX/XX/XXXX and another payment of XXXX on XX/XX/XXXX to cover this payment. The payment was applied towards my flex payment plan instead. 

I made another purchase of {$2300.00} on XX/XX/XXXX. I paid XXXX on XXXX and XXXX to cover this charge but the payments went towards my flex payment plan. 

Ive called and chatted with citi in an attempt to inform citi that I wanted my flex payment plan to remain and for the payments to be applied towards my recent purchases. 

There a language barrier and I keep getting generic empathy responses but my issues remains unresolved. 

I now have over XXXX in charges that will accrue high interest rates because the intended payments didnt post accordingly as I thought they would. 

The only option that I am left with is to create 5 new flex payment of XXXX each which will result in a payment of {$200.00} being applied vs my {$77.00} payment due currently. 

Im not for sure how to get this resolved and citi doesn't seem to care because they will receive more money from the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$600.00} has violated my rights. 

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
Product: Credit card or prepaid card

In 2020 I see I received a debit card but I never received the debit card and I put a dispute through trying to get my money and they denied me and I gave every document for them to see I did not receive my money or card my mother just passed abs Im just trying to get back on top of everything but it seems like life takes another direction I cant get into my account or anything and they still denied me and not helping me resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX # XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I spoke with a representative XX/XX/2021 at Citibank about my closed credit card. The agent assured me because of my account being closed the only reporting to the credit bureau will be my balance total. According to the three major credit bureau I am now showing a late payment in XXXX. If this is correct procedure I was ill advised and suffer a blemish on my exceptional payment history due to Citibank 's staff negligence. This needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to LA and looking to purchasing a condo. I checked my credit  score just to see what's on my report because I haven't checked in it a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and to my local police department. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. I am doing this all on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019was having some personal problems so I called XXXX XXXX and set up my credit card on a payment plan. Everything has been on automatic payments and no payments have been missed. I have the bank statements and proof of payment that can be provided. The reported to the credit bureaus that I wasn't making my payments and the card was charged off yet they continued to take my monthly payments. Working two jobs the last two years I saved up enough money and paid the remaining balance of the card off in full. A month ago they updated my credit reports stating this is now a collection and charge off and I was not paying as agreed. This was incorrect. All payments where made on time per the written agreement I was sent. This has now ruined my credit and I need to get this fixed. I called and no one will help me. My next step is to get an attorney involved.
Product: Payday loan, title loan, or personal loan

This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, WORLD FINANCE CORPORATION - ACCT # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have disputed all accounts reported and still the errors are not fixed.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a glitch where inquiries were removed from my credit file and put back on my credit report without giving me written notice. I have called several times and no on will help me. 

The following inquiries need to be removed : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Some of these inquires i have not even authorized
Product: Credit reporting or other personal consumer reports

Subject : Charge-Off Dispute and Correction Request Under UCC 9-210 I am writing to formally dispute a charge-off entry on my credit report.

Under UCC 9-210 of the Pennsylvania Uniform Commercial Code, I have the right to request a detailed account of the charge-off and its related transactions. I am disputing the accuracy and validity of this charge-off. I request that you provide proof of the debt and the charge-off details, as outlined under UCC 9-210 , which mandates a creditor to provide an accounting of the debt. I request for action Verification, Correction, & Removal. Please provide me with written confirmation of your receipt of this request and notify me of the outcome of your investigation within the timeframe required by law. Enclosed are copies of my credit report highlighting the charge-off entry in question, as well as any other supporting documents for your review.

Thank you for your prompt attention to this matter. 

Sincerely, Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Debt collection

I have asked you to cease and desist all communications regarding this debt, yet you still continue to do so. Your willful non compliance and failure to cease communication is in violation of my rights as a consumer and the FDCPA. You are not allowed to communicate this alleged debt through ANY medium according to the FDCPA. Yet and still, I am still being harassed, harmed and oppressed through your communications. Your actions have CONTINUED to cause me harm even though you have admitted through CFPB that you have received my cease and desist, yet you deceptively stated you had complied. You have also violated my rights and the FDCPA by reporting to an unaffiliated third party. I am FURTHER damaged by your infringement on my right to privacy. You have right to purchase a debt NOT my personal information, yet you continue to furnish it without my previous or present consent. This is extreme abuse and unacceptable. I have attempted to make pitstop and this will be my LAST time before taking FULL legal action against you. I have also disputed BOTH alleged debts multiple times.
Product: Credit reporting or other personal consumer reports

I received a data breach letter the mail which I recognized some inquiries that I did not authorize, so by law the inquiries have to be removed are I will take legal action against Equifax. Thank you, XXXX XXXX
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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 an account without my written instructions.
Product: Checking or savings account

- on XX/XX/XXXX Logged into my account and noticed that there were a number of fraudulent charges placed on my card. Contacted the bank right away to report my debit card has been compromised. 

- Each transaction was done at " XXXX '' in different states even though in all the years i have used my account no charge has ever been done outside of NY state. 
- Bank credited back the fund XXXX in total while they investigated the fraud. 

- XX/XX/XXXX - bank reversed the credit stating these charges are not fraudulent because the debit card was present during the transactions. This is regardless of the fact that i explained i was out of the country, have never used my debit card anywhere outside of NY. 

Tried to contact the bank repeatedly after this to dispute their findings.
Product: Checking or savings account

Huntington Bank went and left XXXX XXXX XXXX XXXX garnish my bank account when I didn't recieve a notice about it and my only income is XXXX XXXX  is not allowed to be garnished. The debt is like XXXX XXXX XXXX and the company is making look like a new debt when it isn't and they say I am the only one that owes the debt when I ain't they removed the other party from the debt and seem to only go after me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$2900.00}.
Product: Debt collection

When the Collection initially hit my credit report, I called and asked for an itemized debt breakdown. They said they would get back to me. I hear nothing for months, even with multiple callbacks. This was in XXXX of XXXX, If I recall correctly. 
In XXXX of this year, I finally sent an email that it was against the law not to provide a copy of the itemized debt. Then I did not hear a response again for over a month, so I submitted this to all three credit Bureaus. XXXX and XXXX removed it due to the breach of law with the documentation I provided. Even though they breached the law, they keep reporting to XXXX that the debt is valid.
Product: Debt collection

I was Notified by On Line Information Services regarding a debt from XXXX XXXX in the amount of {$570.00}. This claim is erroneous as I have never had any interaction or account with XXXX XXXX. 

This amount must be owed by another person with the same name. I have lived in the same home for 18 years in XXXX, Ca and have always used XXXX California XXXX. 

I have account information that that substantiate my account history. My name is very common, and On Line Information Services has made a mistake by attempting to collect against the wrong person.

I am requesting that On Line Information Services please provide me with documentation proving that the debt is mine and efforts to locate the correct person. Please also provide full information and the address of the location for which they claim I owe the debt. Please also include a copy of the original signed contract that allegedly indicates I have contracted with XXXX XXXX for services. 

I do not owe this debt and it is likely that another person with the same or similar name rightfully owes this money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian, I recently got a copy of my consumer file and noticed that there was personal information that belongs to someone else on there. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information. 

Please PERMANENTLY REMOVE the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ONLY correct address is listed above. 

15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Thank you for your attention in this matter, XXXX : XXXX Without prejudice, All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

Equifax is not report accurate information. I have asked for my consumer report to be updated accurately. 

Name : XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}