23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account.

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights.

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor.

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter.

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
PLEASE DELETE THE FOLLOWING ACCOUNT THEY ARE IN ERROR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019 I mailed a request for a copy of my Experian credit file as I was declined for credit by XXXX XXXX XXXX. A copy of the decline letter was attached but as of XX/XX/XXXX I have not received the credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I was discharged for my bankruptcy XXXX  XXXX in XX/XX/2019. My bankruptcy is being reported without my permission " Permissible Purpose '' 15USC 1681b ( a ) ( 1 ) ( 2 ) : Subject to subsection, 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. No written instructions were given/submitted to anyone. 

My bankruptcy should not be on my consumer report with XXXX, XXXX, and Equifax. This violates my consumer rights and should be removed immediately. I have reached out to the bankruptcy court ( see attachment ) they have confirmed that they do not report/verify bankruptcies to the credit bureaus. I have included communications from XXXX who have been reporting to XXXX about my bankruptcy without my permission. As you see in the attached correspondences that their customers which include companies in various industries such as financial services, insurance, government and healthcare have a permissible purpose to access my information. this is a direct violation to my consumer rights.
Product: Checking or savings account

I followed an online promotion from Truist for a {$400.00} bonus for opening a personal checking account. I completed this online and then set up online access. Their system submitted trial deposits to my current bank, which we submitted successfully. 

One day later, I attempted to verify the trial deposit amounts and was told my account was blocked for fraud. There are zero transactions, not even an opening deposit on this account. I was on the phone several times speaking to overseas reps who continued to say either the account was blocked or closed, but I never got a consistent answer. 

The six phone transfers were always to the wrong department ; at one point, I was sent to the XXXX XXXX XXXX. ( Please see recordings attached ) Accordingly to other individual comments/reviews online, Truist is doing this to combat paying the {$400.00} account opening bonus.
Product: Checking or savings account

I opened two accounts with Citi Bank at the branch in XXXX XXXX, Illinois on XX/XX/XXXX in connection with a promotional offer from the bank. I deposited {$13000.00} in a Savings account and {$1500.00} in a Checking account. A personal banker ( I do not remember her name ) was assisting me to set up the account and XXXX XXXX ( Citi Gold Relationship Manager ) was overseeing the accounts at that time. In XX/XX/XXXX, after consulting with the same personal banker with whom I opened the account, I withdrew {$13000.00} from the Savings account. I was told that she would change the status of my checking account to avoid any monthly fees, and I only needed to keep a minimum balance of {$1500.00} in the account. I kept {$2000.00} in the account to avoid any monthly fees, which was more than the amount that was required. 

In XXXX XXXX I went back to the same branch for some new business transactions, and I found out that my account has only a balance of {$1100.00}. The bank had been charging bank fees of {$25.00} per month for the last three years. I was really shocked that the bank put my account to an inactive status and kept charging the fees. I was never received any notifications or communications by any method regarding this account, while bank continued to charge this exorbitant monthly fee for over three years. 

This is absolutely a bank error and the personal banker never changed the status of my account to avoid the fees as she promised. I am a victim of someones error, and I was robbed over {$1000.00} from my account. For your reference, Im attaching copies of the bank statements for XX/XX/XXXX and XXXX XXXX which was provided by the current local branch manager, XXXX XXXX. XXXX was able to refund {$200.00} of the fees ( because this was the highest amount within her authority level ), and I was told to contact the Retail Bank Executive Response Team for further assistance. Im requesting a refund of the remaining bank fees of approximately {$750.00} to my account. 

I contacted the bank and I was told they sent me two letters regarding the inactivity status of the bank account. I don't remember getting any of them and I normally get so many avertisement for credit card offer and I can't recollect any of their warning letters. I am not sure why the bank put my account in to an " inactivity '' status esspecially during the covid season and was charging {$25.00} every month for that reason. 
please help me to recoup the {$700.00} I lost for bank charges ; it makes no sense.
Product: Student loan

My XXXX loans were transferred to MOHELA in XX/XX/XXXX while I was in the process of applying for TEPSLF. I have 174 eligible payments ( only need 120 ), but only 31 have my employment certified. My form to certify the remaining was submitted on XX/XX/XXXX. It has twice been erroneously processed by MOHELA. After requesting it to be reprocessed, waiting for the second 90 day processing period, and receiving a 2nd rejection based on their error, I called MOHELA to speak to a supervisor on XX/XX/XXXX. This supervisor, XXXX, looked at my XX/XX/XXXX submitted form and agreed there was nothing wrong with anything on it. She made notes on my account, and put it forward to be reprocessed in 3 business days. Its been 11 business days since then. I called to check on it and was told by the person at MOHELA that yeah, it shows its still open. Were not really processing things on that 3 day timeline. 

I initially started this process in XX/XX/XXXX with XXXX and since everything was transferred to MOHELA they have continuously and WRONGLY processed my form. I have been very patient up until now, but this is significantly impacting my financial well-being by keeping {$130000.00} on my credit report while repeatedly making errors in the processing of my account for almost 8 months.
Product: Debt collection

These people have been harassing me for years over a Victorias Secret card under my married last name which Ive been divorced for well over 11 years. I also dont recall ever having a Victorias Secret card. The last time I spoke with them they said that I needed to pay them or they were going to take me to court and it was gon na cost me {$5000.00}. When I told them I wasnt going to pay them anything until I saw paperwork they said will see you in court and hung up. Now a few years later I received the following document in the mail stating that Im going to owe taxes to the IRS for this debt And provided a fake 1099 form or pay them. This  has to stop see attached. I forgot to mention theyve also contacted several of my family members as well and threatened lawsuits against me over the phone telling me theyre going to serve me papers.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, It appears that this item on my credit report has turned into a charge off and I have reviewed statements you all sent to me by mail and I have verified numerous fraudulent transactions totaling {$3800.00} from a stolen XXXX on this account without my permission. I have provided the FTC identify theft report as instructed by the police department. The reporting of this account balance is inaccurate and affecting my ability to use my credit. Additionally, I noticed you never sent me a XXXX would you be so kind to send me a XXXX or verify if the debt is still on you all record books. Due to the unauthorized charges on this account I have gone through a serious financial hardship. I am trying to resolve these matters directly with you all. This would help me with my credit in the future. 

Thank You So Much XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted several investagion request letters and the company failed to process any of them. I believe this is a violation of the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To somebody who can help me. I am deeply upset about the enormous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you found out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thank you for your help [ with this matter. 

DATES DISPUTE LETTER SENT : XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, as reported to Equifax, and XXXX XXXX XXXX as reported to XXXX XXXX manifest clear violations of significant laws and regulations. These violations are not speculative but firmly grounded in established legal frameworks. 

Firstly, 15 USC 1681a mandates accurate consumer information reporting. In this context, the reported accounts fall short, constituting a breach. Additionally, the absence of a clear and conspicuous opt-out mechanism, as required by 16 CFR 313, signifies non-compliance, reinforcing the violation claim.

Moreover, 15 USC 6802 and 15 USC 6803 are transgressed, as evident in the absence of clear consent for information sharing, a direct infringement on privacy standards. The violation of 15 USC 1681b points to a failure to adhere to permissible purpose requirements.

IRS Pub 4681 and 5 USC 5528 violations are evident, as the discharged debt is not reported as income, contravening tax and disclosure obligations. These violations encompass the illegal reporting of transactions and sharing consumer non-public information with non-affiliates, actions explicitly deemed unlawful.

The robust foundation for these claims rests on the Fair Credit Reporting Act ( 15 USC 1681a, 15 USC 1681b ), Code of Federal Regulations ( 16 CFR 313 ), and other pertinent statutes ( 15 USC 6802, 15 USC 6803, IRS Pub 4681, and 5 USC 5528 ). The factual assertion of these violations calls for immediate corrective action, including account rectification and compliance with the stipulated laws. Failure to address these violations may result in legal consequences, as substantiated by the existing legal frameworks.
Product: Credit reporting

I have a text lies that was cleared XXXX 2015 and equifax is still reporting it. I have wrote in several disputes and they refuse to follow through. XXXX has removed it from my report.
Product: Debt collection

Received letter on XX/XX/XXXX regarding a debt of {$3500.00} owed for breaking a lease. I was not aware this fee was owed. Send a letter to I.Q Data International , Inc. at XXXX XXXX XXXX XXXX, WA with the purpose of disputing and requesting a verification letter. I have received no communication back. I had assumed this was a scam or otherwise. 

On XX/XX/XXXX I noticed a collection hit on my credit report so I called IQ international inc and was told very rude that they never received my dispute and at this point it did not matter and that I owe the debt and need to pay it in full including interest. I have not received any voicemails or other communication from them since XX/XX/XXXX other than when I called on XX/XX/XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around last month i mailed experian the letter from XXXX XXXX XXXX  regarding a paided collection on my file acct. number XXXX ... ..the letter stated from the company stated paided in full. to this day it has not been updated and removed from my file.. also account XXXX from XXXX is not updated as in balance and last payment ..and also incorrect as far as late payments..no late should be listed..
Product: Credit card or prepaid card

I received a voice mail on Friday, XX/XX/2021 from XXXX, NJ, phone number ( XXXX XXXX stating that there was a problem with the credit card attached to my Amazon account. It said the account has been compromised and that someone had purchased a XXXX XXXX for {$1400.00} using a credit card attached to my Amazon card. After checking my credit cards and calling Amazon there was no charge of this type recorded. My though is they wanted to try and get more personal information from me but since I hadn't answered the call and they just left a voice mail they couldn't.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with Lendmark Financial Services on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Lendmark Financial Services made me purchase insurance separately. Lendmark Financial Services also did not disclose/provide information concerning my right to rescission as defined in 15 usc 1635.
Product: Credit reporting or other personal consumer reports

I have exhausted my attempts at requesting that my personal loan with my credit union be corrected to show that it is an open account and a current account Equifax has not contacted the credit union to verify They continue to show this loan as closed I have contacted my credit union and they confirm that Equifax has not contacted them Also XXXX XXXXXXXX is not my account I have contacted XXXX XXXX XXXX They confirm that my social security number is not in their system XXXX and XXXX have fixed this issue in their system but Equifax has not I also believe they are not contacting XXXX XXXX XXXX If they contact them they would verify that account has a similar name and a different social security number
Product: Debt collection

Hunter Warfield Collections has called multiple times per day, as well as not told me what the bill was accrued from, the debt collector on XX/XX/18 yelled at me stating my student loan would be harmed from XXXX XXXX. A clear threat was made, I told them once before I can not make payments until I'm done with schooling.
Product: Checking or savings account

I lost my card while on vacation XXXX specifically in XXXX, XXXX headed to XXXX, XXXX. i lost the card on XX/XX/XXXX. My vacation was from XXXX XXXX XX/XX/XXXX. My card was charged for numerous amounts totaling {$390.00} during the time I lost my card on XX/XX/XXXX until XX/XX/XXXX when I was able to finally get in contact with Chase to cancel the card. I informed JPMorgan Chase that I did not make these purchases. They have denied my claim twice without providing me with the information as to why it was denied. I informed them that I did not have the card yet they insist that I do. They wish to charge me for the {$390.00}. I have been a customer of chase for 10 years with very few complaints. The one time I need Chases help the most, they are unable to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Product: Credit card or prepaid card

On XX/XX/2021 I paid off my entire account balance with Lane Bryant Comeninty Bank. The billing cycle for the month ends on XX/XX/XXXX. I was charged interest on a zero balance account. Then on XXXX XXXX I was sent a letter stating they were reducing my account balance to {$400.00} from {$1000.00} claiming that my credit scores had dropped significantly. However, I know this to be a lie as I paid off {$6500.00} in credit card debt in XXXX and my credit scores, across all three bureaus, increased higher than when I was first granted credit with Comeninty and higher than when Comeninty raised by credit limit from {$300.00} to {$1000.00}. 

This is not the first time that Comeninty has penalized me for paying off my balance. The same thing happened when they used to have the XXXX credit card. Please do something about this practice. Consumers are supposed to pay off their debts yet when we do, we are being punished by being lied to and charged interest on XXXX balance accounts.