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

Heres what happened : I had been pelted with overdrafts due to decreased business during the COVID-19 pandemic. I am XXXX and depend entirely on XXXX  for my income. While Chase refunded some of the fees, 112 remained unrefunded. 

1. I mailed a letter to XXXX XXXX. She's the CEO of XXXX XXXX. They intercepted this letter and opened it. XXXX XXXX never saw it. I was informed of this by XXXX, a secretary who called me from the corporate office. I was livid, the letter was for XXXX XXXX and XXXX XXXX only. 

2. In the letter, I asked for any possible refund of fees. Due to the letter, the person who reached out to me ( XXXX ) decided to suspend the account due to my letter. She informed me that XXXX XXXX sometimes looks at these accounts and makes these decisions. She then refused to give me his contact information or to have him contact me. 

3. All managers and XXXX have refused to admit that because of the assessment of fees, led them to be able to charge more fees. If they had refunded all of them, I would have been fine, or at least in a better spot. 

4. They sent me an email indicating that around XX/XX/2023, they would be closing the account. But gave me a falsified reason ( to prevent fraud ) for suspending the account. They actually closed it a few days later. 

5. They have now started collection action to recover the negative balance, which is 100 % THEIR FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days.
Product: Debt collection

( All mailings were certified with return receipt. ) On XXXX I mailed documents including a Conditional Acceptance for Value/Proof of Claim ( s ) to the company requesting statement of accounts among other proofs from the company. They were given fourteen ( 14 ) days to respond. The company received my mailing on XXXX. I received no response. 
On XXXX I mailed an Affidavit of Truth-Notice of Default/Opportunity to Cure and a Bill of Particulars listing the violations I believed the company to have violated. They were given an additional 3 days. The company received my mailing on XXXX. I received no response. 
On XXXX I mailed another Affidavit of Truth including a Notice of Default/Second Opportunity to Cure and a calculated Bill of Particulars. They were given an additional 3 days to respond. The company received my mailing on XXXX. I received no response. 
On XXXX I mailed an Affidavit of Non-Response and Failure to Contest Acceptance and Agreement Evidence of Dishonor, a Notice of Acceleration and Demand for Payment. 
The company received my mailing on XXXX. I received a response on XXXX a letter dated XXXX in which the company rebutted only a couple of point made in my prior mailings. On XXXX, I mailed a response to their letter dated XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Requesting Reinvestigation of Consumer transaction 15 U.S. Code 1681i - Procedure in case of disputed accuracy REINVESTIGATION OF DISPUTED INFORMATION 1. REINVESTIGATION REQUIRED 2. You claimed the information was verified, ( did you solely use the information provided by the furnisher without ever consulting me? ) a. The furnisher does not have any verifiable proof, that they obtained permission either verbal or written, to report these items on my consumer report ( 15 usc 1681 ( 4 ) )? 
Where is the evidence? 
Please provide evidence of your reasonable procedure, process or method used? 
Whom did you communicate with? 
How did you communicate with them? 
When did this communication happen? 
How did you come to such determination? 
What information did you use? 
How was the information that I provided used in your investigation? 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( B ) Extension of period to reinvestigate 15 days ( C ) Limitations on extension of period to reinvestigate ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( C ) Contents of notice ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information ( C ) Procedures to prevent reappearance You and the furnisher have a beneficial relationship, they pay you for business transactions ABOUT ME, THAT DOES NOT INCLUDE ME, ( THATS FRAUD, IDENTITY THIEF and MISREPRESENTATION ). This is causing me harm and is hurting me. This is a direct violation of the law. How can you use my data, social card, information without my consent with NO benefit to me? 
5 ( i ) promptly delete those items of information from my consumer file, or modify the items of information as appropriate based on the true results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an acount with XXXX XXXX backed by Commenity Bank. That financial institution has failed to report anything regarding this credit card to any credit reporting agency in the last 2 years since taking over from previous lender.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). TransUnion is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. 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 ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

Please provide information to the following questions When was the dispute started internally at TransUnion? 
When was the dispute sent to the original information furnisher? 
When did TransUnion receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as TransUnion is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX No. XXXX XXXX XXXX XXXX, the judge ruled that TransUnion violated the Fair Credit Reporting Act by failing to compare evidence. TransUnion has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 


XXXX XXXX XXXX XXXX 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

XXXX nissen altima was fininaced in XXXX with XXXX it was paid in full XXXX titles was released and sent to me traded the car in XXXX and purchased a XXXX dodge thru XXXX, the amount of {$1000.00} was put on my credit XXXX if it was not paid in full the titles would not have been released, i am deputing that {$1000.00} amount on my credit, please remove it.
Product: Credit reporting or other personal consumer reports

I took a look at my credit report and realized that I have a balance and repossession from DRIVEWAY FIN For {$31000.00} that I did not have awareness of the account was open XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my credit report and discovered that an account US DEPT EDU Account # XXXX is still being reported on my credit report. This is a negative account with very different information being reported account the 3 main credit reporting agencies. 

I have reached out to each agency individually to get this erroneous account removed with no resolve. 

I have a right as a consumer under the FCRA to have a credit report that is correct and only information that is factual can be reported. 

15 US Code 1681 b Permissible Purpose 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.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

This account is the only negative account on my credit report and has a negative impact on my ability to obtain credit. 

It is Open on XXXX, Closed on Transunion and OPEN and CLOSED on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, 2016. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.
Product: Student loan

All i want is my account to be updated on the payments and verify my employer which i have submitted to them many of times. Just submitted one in XXXX. 

There is the new thing to come out which your payments do not have to qualify for the income driven payment. to qualify for the loan forgivness program now. 

I have also submitted to them proof i work for a state run medical hospital for 10 years. So that should have a great impact on my loan to be dismissed or not many payments left.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XX/XX/year> FirstPoint Collection Reso XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX To whom it XXXX concern, I am writing in response to a communication I received regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. Please provide the following information : -The amount of the alleged debt. 

-The name of the creditor to whom the debt is allegedly owed. 

-A copy of the original signed contract or agreement that shows I am legally obligated to pay this debt. 

-A detailed statement of the account, including a breakdown of the amount owed, interest, fees, and any other charges. 

-Proof of your authorization to collect on this debt. 
I - request that you provide the above documentation before any further action is taken on this matter. Please note that until you provide sufficient validation of this debt, I will not acknowledge its validity or make any payments. 

Additionally, please be advised that under the FDCPA, you are required to cease all collection efforts until you have provided the requested verification. If you are unable to provide proper documentation, I will expect that the debt be removed from my credit report and that no further collection activity takes place. 

Please send all correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In early 2023 I lost {$1400.00} in a scam. I needed to move asap and thought I was putting down a deposit for a house. I reached out to the bank letting them know what happened and to see about getting my money back. I reached out multiple times asking for information n even letting them know there was a police report. They did nothing!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has led to identity theft. As a result, unauthorized accounts and credit inquiries have been reported under my name without my consent. Pursuant to XXXX XXXX XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am requesting that the following fraudulent account and inquiries be immediately blocked and deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the paperwork? A few of the mentioned accounts are incorrect, causing me some discomfort.
Product: Checking or savings account

I lost my check book on XX/XX/XXXX. I notified BBVA compass bank at once. They send me a secure message on XX/XX/XXXX to confirm that they have started to freeze my account ( Attachment 1 ). 

On XX/XX/XXXX. Someone tried to charge my account which incur {$32.00} NSF fee ( Attachment 2 ). From the federal laws, I know that I am not responsible for unauthorized charges and fees after I notified the bank. I had to switch to other banks and argue with their customer service about this charge. I even received a  letter from them that threatening they have marked it as charge off and will send them to collection agency.
Product: Debt collection

I requested ARS to give me proof of this debt. On both attempts ARS did not give me any kind of proof. This debt doesn't belong to me, nor does ARS have proof this is my debt.
Product: Debt collection

On XX/XX/2019, I received a letter from Superlative RM ( see attachment ) trying to collect a debt apparently posted by the company XXXX XXXX XXXX XXXX. I have never heard of nor dealt with XXXX XXXX XXXX XXXX. Considering that my credit information has been and remains permanently frozen, I must question whether any debt was ever incurred in the first place short of extreme lack of due diligence on the part of XXXX XXXX XXXX XXXX. I am further aware of no debt with any company or person on my part short of credit cards which I pay off in full every month rather than carry a balance. I have not communicated with either Superlative RM or XXXX XXXX XXXX XXXX since the whole experience and rather threatening tone of Superlative RM 's letter has the feel a scam that could only grow if fed any personal information. XXXX   Superlative RM on the internet turns up not only numerous complaints but also a law firm specializing in dealing with problems with Superlative RM. Street view on XXXX maps of Suplerlative RM 's address shows a small, nondescript, unlabeled building behind a cinder block wall further reinforcing the unsavory impression of Superlative RM 's letter and its content.
Product: Credit card or prepaid card

On XX/XX/2021 i made an online purchase totaling {$400.00} with my Cash app card. I never received the product, and I tried to dispute but the representative for the Cash app refused to file a dispute. 
The company I purchased from XXXX XXXX XXXX is refusing to refund me. So I entrusted that Cash app would have my back. I've given over 12 screenshots of documentation including everything that Cash app asked me to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Due to the mishandling of personal data held in both XXXX and XXXX databases I request that all negative information be purged from my credit report. I was not notified that the break happened nor did they do anything about protecting my personal information. The information on all XXXX bureaus is not accurate. Neither company contacted me about what happened nor offered any kind of monitoring or compensation for the breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update ASAP.
Product: Debt collection

They have been harassing me by calling incessantly since XXXX XXXX. They do not leaving a message, and I do not take calls from strangers or companies with whom I have no business. 

Today, I received a text message from them indicating that they are a " Debt Collector '' and using my daughters name in the body of the text. 

They harassed me and violated my adult daughter 's right to privacy. There is no point seeking resolution from them because the damage is already done. They can not undo it.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX XXXX Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported on my credit report regarding an account with ComenityBank/Wayfair Card XXXX The account number ends in XXXX, and it was opened on XX/XX/year>, and closed on XX/XX/year>. Upon reviewing my credit report, I have identified the following inaccuracies : Double Reporting : The account is reported as charged off with a balance of {$0.00}, but also reflects a high balance of {$990.00}, creating a contradiction in the account status. 
Additionally, the account is noted as being purchased by another lender, which leads to double reporting of the same debt. 
Inaccurate Remarks : The remarks indicate both " unpaid balance charged off '' and " purchased by another lender, '' which creates confusion about the status of the account. These inconsistencies should be corrected. 
Credit Limit and Usage Discrepancy : The high balance of {$990.00} exceeds the original credit limit of {$500.00}, creating an inconsistency in the reported credit usage and impact on my creditworthiness. 
Failure to Properly Investigate : Despite submitting my initial dispute, TransUnion failed to properly investigate and correct the inaccuracies in my credit report. This oversight has caused unnecessary damage to my credit profile, and I request that the matter be re-examined thoroughly. 
I request that TransUnion investigate these discrepancies thoroughly and correct or remove any inaccurate information. Additionally, if the information is verified as accurate, I would like to receive documentation used to verify the charge-off, balance, and transfer of the account to a new lender. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving these issues and ensuring the accuracy of my credit report.