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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Checking or savings account

I opened a Citi high yield savings account online in XX/XX/XXXX. 
I made several online deposits since then. 
On or around XX/XX/XXXX I made an online deposit from my other bank in California for {$21000.00}. 
On XX/XX/XXXX I attempted to login from my computer and XXXX  without success. I called customer service and they said my account was locked from their fraud department and should be resolved in XXXX hrs. I tried to get details but they didn't have any answers and told me to call back on Thursday XX/XX/XXXX. 
On XX/XX/XXXX at XXXX XXXX I got an email from Citi saying my account will be closed within 60 days. I spent the next XXXX hours on the phone asking for supervisors and getting no where. I wanted to understand what was happening and why my account was closed with XXXX conversation from Citi. The various people I spoke to said they didn't have any information and XXXX rep asked if I made any transactions from CA. I explained that my other bank is based in CA and I made an electronic transfer request into my Citi savings account. The rep said I could get my money back in XXXX days, which is not acceptable. 
A Bank can not deny customers access to their money, which is what Citi is doing without any explanation. 
I have a considerable amount of money in Citi. I can not access online to verify and should not have to way while City holds my money XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under: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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

They're asking for family members, I repeatedly tell them I am not giving out information over the phone to someone I do not know. They won't tell me what it's about. They won't tell me which person they're actually looking for. When ask what it's about, they tend to just keep yelling the name of their company ( Transworld Systems ). They keep calling even though I've asked them to stop.
Product: Mortgage

I refinanced my mortgage with LoanDepot.com, Inc. on XX/XX/2020. At closing I was required to put down my tax bill coming due in XX/XX/2020 + an additional 10 % to cover any increases. This amount came out to {$7500.00}. 

This amount was not used to pay taxes in XXXX, 2020 and insufficient escrow funds were used to pay taxes causing overdraft and negative balance. 

I found that the {$7500.00} amount was sent to the settlement agent, Closing XXXX XXXX XXXX, a subsidiary of LoanDepot. But since the tax bill was not due at the time, the settlement agent sent this amount in a check back to LoanDepot five days after closing on XX/XX/2020. I was able to confirm this with check details and images received from the settlement agent. 

The {$7500.00} has never been applied to my mortgage or my escrow account and has completely gone missing. After several attempts to correct this issue, LoanDepot has been unsuccessful at resolving the matter, repeatedly giving excuses like " it was prepaid to XXXX XXXX  XXXX '' which is not possible to do before a tax bill is issued by the town. 

I have copies of my signed closing disclosures and check images and details that I received from the settlement agent. 

Closing Disclosures - Signed ( see Page-2 under other costs ) Settlement Agent - Check ( {$7500.00} sent back to LoanDepot from the settlement agent )
Product: Checking or savings account

I was the victim of fraud when a scammer hacked my Chase Bank online checking account information. Unauthorized transactions occured. Despite my filing a police report, Chase immediately blocked my account and put a hold on it, which has lasted for years. The checking account, however, remains open. Chase will not close it, but will also not allow me to access it.
Product: Debt collection

Be advised that this is a notification of CEASE AND DESIST - I REFUSE TO PAY THIS DEBT THAT I DO NOT OWE YOU I am getting emails from this organization and have no idea who they are or anything about a debt I owe them. 

Halsted Financial is aparently their name and are looking for payment for several different names : XXXX  of XXXX  XXXX ( for which I have an account already so there's that!! DOUBLE JEOPARDY!!! ) XXXX Bank ( for which I have an account already so there's that!! DOUBLE JEOPARDY!!! ) these people are trying to get money out of me from something I know nothing about. 

you have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) You are in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) as i haven't been given a chance to dispute any debt You have no authority to furnish any account to any CRAs without providing all disclosures required by law - which you haven't done. If you do report to ANY CRA, You, then, will be in violation of 12 CFR 1006.34 ( d ) as well as 15 USC 1681-S2 ( 7 ) ( a ). 

Best Regards, XXXX XXXX CC : CFPB CEASE AND DESIST.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN : Dear XXXX XXXX This is to notify you that according to my consumer demand to have no derogatory information revealing unless it is, as required by laws, proven completely to be true, correct, complete and certified compliant in detailing of that defamatory or potentially any part of it. I demand immediate erasure of any not testimonially genuinely verified certified all things considered. 
To the responsible party in question, you the credit reporting concerns of non-compliancy : It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and information you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at the very moment. 
These items are reported inaccurately : Derogatory Remarks/Collections/Accounts XXXX XXXX. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX. XXXX XXXX XXXX XXXX {$0.00} XXXX Unauthorized inquiries XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, a transfer of {$600.00} was sent from my account to the wrong person. it states CLEARLY at the top of the Cashapp recipient section to enter the name of the person you want to send money to. I dont understand how someone whom I dont know, nor in my contacts were able to pop up and receive my transfer. I requested for the person to return my money ( as per Cashapp ) and was denied and blocked by this stranger. I contacted Cashapp support team and they say they cant retrieve my funds. I cant lose out on that much money. Please help
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against CKS Prime Investments LLC, a debt collector, and the original creditor, XXXX XXXX XXXX XXXX XXXX, for the illegal and unlawful collection and reporting of a debt that was charged off as an asset for the creditor. 

CKS Prime Investments has reported the debt as fully paid, despite the fact that it was legally considered an asset for the creditor with the charge-off. This act violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 4 ), which prohibits the reporting of debt as fully paid when it has been charged off. This act also violates the FCRA 15 U.S.C. 1681s-2 ( a ) ( XXXX ), which prohibits the reporting of a debt that is not legally enforceable against the consumer, intentionally hurting my XXXX XXXX with prejudice and without a legal contract with me from the inception of the debt with the original creditor ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Additionally, CKS Prime Investments and the original creditor have violated the Consumer Financial Protection Act ( XXXX ) by collecting and reporting a debt that was charged off as an asset for the creditor. Specifically, this act violates the XXXX 's provisions on consumer protection, in particular, 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers. 

Furthermore, CKS Prime Investments and the original creditor have violated the Truth in Lending Act ( TILA ) by not providing accurate and complete information about the debt and the terms of repayment. Specifically, they have violated XXXX 15 U.S.C. 1632 ( a ) by not providing accurate and complete information about the nature and terms of the debt, and XXXX 15 U.S.C. 1639 ( a ) by not providing accurate and complete information about the terms of repayment. 

Additionally, CKS Prime Investments and the original creditor have violated the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the XXXX XXXX XXXX Reform and Consumer Protection Act by collecting and reporting a debt that was charged off as an asset for the creditor. This act violates XXXX 's provisions on consumer protection, specifically 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers. 

I respectfully request that the Consumer Financial Protection Bureau investigates these violations, holds CKS Prime Investments LLC and XXXX XXXX XXXX  XXXX XXXX accountable, and requests them to submit a removal of this illegal, unlawful, and collection abuse from my credit report. I also request that these XXXX companies ask the reporting agencies to send me a corrected copy of my report upon deletion. 

Thank you for your attention to this matter. 

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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXX XXXX Last 4 SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX Date Of Birth : XXXX To Whom It May Concern, I am not liable for this debt with XXXX XXXX, I do not have a contract with MIDLAND CREDIT MANAGEM, They did not provide me with the original contract as I requested. MIDLAND CREDIT MANAGEM called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until MIDLAND CREDIT MANAGEM, proved me with the original contract they have to remove asap from my credit reports. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( MIDLAND CREDIT MANAGEM ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. 

As you can see from my credit reports and highlighted issues. 

This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. 

Here is the account name : MIDLAND CREDIT MANAGEM and Account number : XXXX for reference and incorrect amount also. 

How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. 

DELETE THIS IMMEDIATELY! 

Thanks,
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX on XX/XX/XXXX reminding me to make my payment by XX/XX/XXXX to avoid a late payment being reported. I made the payment on XX/XX/XXXX and it cleared my account on XX/XX/XXXX. I received a notice from XXXX that my account payment had been updated with a 30 day late payment. 

I contacted XXXX by email and was advised to open a dispute with the credit bureau. I do not feel that this is a fair business practice and I am unsure why my payment was not updated in their system until XX/XX/XXXX. I will attach the emails from the company and the screenshot of the date the payment posted to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information for TransUnion NAME XXXX XXXX XXXX XXXX XXXX XXXX would appreciate if you could take care of any incorrect names in your database. My actual name is XXXX XXXX. If you have anything in your system that is different from what I have just mentioned, please delete them immediately. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I need you to delete any address in your system that varies from XXXX XXXX XXXX XXXX, XXXX, GA XXXX. It will ensure the database has accurate information about me.
Product: Credit card or prepaid card

I have had a business visa through Capital One for many years, NEVER been late on a payment and always pay more than the balance due. When I got this credit card the credit limit was approved without any problems or issues, so I do n't understand why all of a sudden the credit limit was decreased. Today XXXX I received a letter via email from Capital One informing me my credit amount was lowered ( see below for copy of letter ). I called Capital One immediately and they could n't provide a good reason why this happen and that there was nothing they could do about it, it was a decision on their part. As a business owner I use this card a lot and yes I always keep a balance on my credit card, per my personal Accountants request. No one from Capital One has ever called me to discuss this matter, I was blindsided by only an email with a standard brief message. As a consumer I feel this is terrible customer service on their part especially when my account with them is in outstanding status. There is a reason I asked for the credit limit I did when I opened my Visa card, I even told them at the time I would be using this card regularly, Capital One approved this credit limit years ago without any problems, they even told me with Business accounts they know balances are higher than most credit cards, as long as I pay the min. payment by the due date ( which I pay more every month on time ) everything would be okay and now they decide to lower the limit without just cause or any warning. Nothing has changed on our part, if anything my income and credit score is better than when I applied for this card. LETTER FROM CAPITAL ONE Our goal is to always keep you informed about changes to your account and how they impact your business. Today, we want to make sure you know about a recent change to your account. <P/>On XXXX/XXXX/XXXX, your credit limit was changed from. The reason ( s ) for this change : Recent monthly payments have been too low compared to balance on this Capital One account Proportion of revolving balances to credit limit have been too high on this Capital One account recently Use of all of your available revolving credit has been too high on your XXXX  credit report Recent payments have been too low for your credit limit on this Capital One account No other changes are planned at this time, and all other terms still apply. An official notice of this change, with additional information, will also be provided to you via mail and through the secure inbox with your online account. <P/>We value you as a customer, and we hope this change doesnt cause any inconvenience for you. If you have any questions, please give us a call at
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX   XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # XXXX
Product: Debt collection

Someone made an account under my name with acima credit XXXX XXXX XXXX in XXXX, and has a total lease balance of XXXX with a monthly payment of XXXX to be paid off in a 12 month term. The unpaid lease has brought my credit down, I called company to let them know that I do not recognize opening one, they told me to file a complaint.
Product: Debt collection

Sometime in XXXX I received a credit card bill from Navy Federal Credit Union for an account ending in XXXX. I was never a member of the credit union, I never applied for a credit card, I never possessed or used a Navy Federal Credit Union credit card. I called Navy Federal Credit Union and I was told that they had evidence that this was an identity theft and a fraud. They told me not to worry, that the request of payment would stop. They stopped sending the bill but sometime in XXXX I received a letter from XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX OH XXXX ) requesting payment. I replied that this was not my debt. I called again Navy Federal and was told that they knew it was not my debt and that the payment request would stop. The collection agency stopped its request until now. On XX/XX/XXXX I received a new request of payment from the collection agency. I called again Navy Federal Credit Union. This time they told me that the only thing I could do was to file an appeal.