23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX MA XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear CREDIT COLLECTION SERVIC, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated. 
o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX XXXX. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Bankruptcy Reporting Credit Report Reference Number : XXXX Social Security Number : XXXX Dear XXXX Consumer Solutions, I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report, which I obtained through XXXX. This information is inaccurate and should not appear on my report, as I have never filed for bankruptcy. The incorrect entry is negatively impacting my credit, and I request an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
FCRA - Right to Dispute Inaccurate Information Pursuant to the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. Upon receiving this letter, you are required to : Conduct a reasonable investigation of the disputed bankruptcy reporting. 
If the bankruptcy can not be verified, the item must be removed or corrected on my credit report. 

Notify me of the results of the investigation within 30 days of receipt of this dispute. 
Provide me with a new copy of my credit report showing the corrected information once the investigation is complete. 

Details of Disputed Information : Type of Dispute : Incorrect Bankruptcy Reporting Account Name/Number : XXXX XXXX CT CA XXXX Date of Bankruptcy Reported : XX/XX/year> Court/Location Reporting the Bankruptcy : XXXX XXXX CT CA XXXX Please delete or correct this inaccurate entry and notify me once this issue is resolved. In the event that you fail to correct this error, I will have no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies. 

Please investigate this matter promptly and remove this erroneous bankruptcy from my credit report. I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Apple goldman sachs froze my savings account and my apple credit card w out any explanation as to why or for how long this will be for reading online this is a common complaint causing difficulty to pay my bulls without access to my funds they have not provided me a process as to file a complAint
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you. 
I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. 
( See the FCRA ) This debt is listed as a charge off, with a last date of activity of XX/XX/2016. You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
Product: Debt collection

I checked my credit report on XXXX and was shocked to find Aldous and Associates had sent a supposedly unpaid debt to my credit file unbeknownst to me. Aldous never contacted me in any fashion about the debt, and had simply sent this debt to the credit bureaus, which reduced my credit score terribly. I reported this to XXXX but they did nothing except add a statement that the debt is not known to me. Because Aldous never contacted me, I never had a chance to respond to Aldous or to get them to remove this debt from my credit reports.
Product: Checking or savings account

My small business, Total Care Pediatrics, has a sweep account with U S Bank. The account is mandated by XXXX XXXX, my electronic health record company. 

I had not had a reason to log into my account for between 6 and 9 months. When I tried to log onto the account to looking into a potential issue with not managing the funds as instructed, I was unable to do so. The account was locked. I entered the security questions correctly, but the system said they were wrong.

I was unable to reset the password, despite having the correct credentials, including my entrust data card random key generator.

I called to inquire why I was unable to access my account, I was told that the account is automatically locked, if the account is not accessed at least once every 90 days. I was sent a form to complete, sign, scan, and email back. I did this but still was not given access to my account.

I called back the following day and the representative said I would not be given access to my account for another 72 hours, because they will not process my request. 

I should not have to access my account every 90 days for no reason to access MY money. I should be able to reset the log in credentials as long as I have the security information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan balance was reported wrong by XXXX XXXX XXXX  XXXX XXXX. Now, XXXX XXXX XXXX XXXX XXXX stopped reporting the correct car loan balance and deleted my account from TransUnion credit report - causing my credit score to drop by 20 points in TransUnion.
Product: Credit reporting or other personal consumer reports

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Product: Credit card or prepaid card

After 13 yrs using CITI card on XXXX I was a victim of two fraudulent charges in 2020. As I began disputing charges with XXXX CITI abruptly closed the account w/o my knowledge. Now XXXX  can not process refunds due for {$110.00} balance. CITI reports monthly to credit bureaus that account is past due and is charging fees monthly to a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I can not link my PNC account to XXXX.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reasonand will not help me getting me in back up and going.I am not sure if this some mistake as i assumeit has to be. I have not been able to get help from them for months but i just rememberedi could file a report on here as i feel they are not doing thier job properly and it is affecting me a great deal as i used PayPal quite frequently.My email link to my Paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

would not accept my FTC report information and asked to submit another report with basically the same information. Believed to be a stall tactic of some sort. 
sent on XX/XX/22
Product: Checking or savings account

There have been a number of accounts opened in my name. I have a notice from a Barclays account in which the account was charged for the return of an unpaid deposit from XX/XX/2024 in the amount of {$3200.00}. The reason was Frozen/Blocked account. 
The check was written out to me from XXXX XXXX XXXX and XXXX XXXX XXXX for the purpose of a XXXX XXXX. 
I also received a debit card with my name on it from XXXX XXXX XXXX in XXXXXXXX XXXX XXXX. 
The Barclays account has been closed and the ticket supposedly was closed.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Privacy Law Violations and Reporting Inaccuracies I am submitting this formal complaint against TransUnion for significant concerns regarding potential violations of privacy laws, inaccuracies in credit reporting, and insufficient disclosure of consumer opt-out rights, as mandated by federal regulations.

Key Issues 1. Insufficient Disclosure of Opt-Out Rights TransUnion has not adequately disclosed consumers ' rights to opt out of information sharing, violating provisions under 15 U.S.C. 6802 ( b ) & ( c ) and 12 CFR 1016.7. Transparency in these disclosures is essential for consumer protection and informed decision-making.

2. Violations of the Fair Credit Reporting Act ( FCRA ) TransUnion appears to have breached key sections of the FCRA, including : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibiting the reporting of adverse information without proper authorization.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Obligating accurate furnishing of consumer information.

3. Privacy Act of 1974 Compliance TransUnions current privacy notices suggest potential non-compliance with the Privacy Act of 1974, particularly under 16 CFR Part 313 and 16 CFR 433.2, raising concerns over its privacy practices.

4. Identity Theft Protections Under 5 U.S.C. 552a, safeguarding personal information is critical. Mismanagement or misuse of consumer identity would constitute a serious federal violation.

5. Reporting of Transactional Information Financial institutions are prohibited from reporting certain non-public consumer information under 15 U.S.C. 6801. TransUnion 's reporting practices may infringe upon these regulations. 

6. Inaccuracies in Reporting The accounts listed below contain inaccurate information and fail to meet the standards for accuracy required by the FCRA. 

Accounts in Question Account Name : XXXX Account Balance : {$7300.00} Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Account Balance : {$10000.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : {$9700.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : {$29000.00} Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Account Balance : {$6500.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Balance : {$52000.00} Date Opened : XX/XX/XXXX Requested Actions Update All Accounts : Reflect accurate statuses, including paid as agreed, current, and open/never late. 

Correct Inaccuracies : Provide a copy of my updated credit report reflecting these changes.

Disclose Policies : Share detailed documentation of TransUnions opt-out policies and practices.

Expected Resolution I request written confirmation of the actions taken to address these issues within 14 days of this complaint. Thank you for your immediate attention to these concerns.
Product: Checking or savings account

- PNC bought BBVA Bank- the transition happened XX/XX/XXXX - PNC did not send my mail to the correct address - I have a separate mailing address and home address ( I do not receive mail at my home address ) - I started calling PNC when I got home from vacation on XX/XX/XXXX or XX/XX/XXXX ( I returned on XX/XX/XXXX but was sick with XXXX ) to figure out my accounts. This is when I discovered my account numbers had been changed and my new check card along with my new account number information had been mailed and returned because they had the wrong address. - I ended up at the branch at XXXX XXXX XXXX XXXX XXXX to get my account numbers and a new check card, I don't remember the date at this point. And because I use checks, they printed some of them for me. - I continued to try and set up online banking but was having issues with my password which had me calling into the branch and Customer Service number on their website. - I went on their XXXX page and saw there were a lot of people complaining on their page. I complained and they started messing with me ( screen grabs attached ). - At one point they requested the name on my account, my e-mail and phone number. Very shortly after that I received a call from XXXX ( screen grabs attached ) stating it was their Fraud department and my accounts were frozen. - I just redialed and that is when they got all my information ( I thought I was getting my accounts unfrozen ). - I started receiving e-mails alerts and by the time I got to the branch, there was a {$XXXX XXXX transfer to a XXXX XXXX at XXXX on XX/XX/XXXX and several wire transfers totaling {$XXXX - I received XXXX text messages and XXXX e-mail from XXXX XXXX XXXX about a request to transfer my number to a different carrier - XXXX - they also stole my cell phone number but I was able to get it back. I will include screen grabs of the e-mails/text messages received regarding that situation. - I am including screen grabs from the e-mail alerts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting chapter  XXXX  bk on my credit report on  XXXX   XXXX ,  2015 . I have send information from bankruptcy court stating courts do not verify a bk and transunion continues to report a bk on my report. This is the only bureau that reports this. They refuse to remove with the proper documation submitted
Product: Credit reporting or other personal consumer reports

I am writing to request specific information regarding the verification process conducted by your agency concerning the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive the information that was utilized in the verification process, particularly for accounts that have been marked as " verified '' despite my dispute.

I recently submitted a dispute regarding several accounts listed on my credit report, which were reported as past due. Despite my dispute, some of these accounts were verified by your agency. However, I have not been provided with any details regarding the information used to conduct the verification process. 

Therefore, in accordance with my rights under the FCRA, I request that you provide me with the following information related to the verification of the disputed accounts : Copies of all documents or evidence provided by the furnisher ( s ) of the disputed information to verify the accuracy of the accounts in question.

Any communication exchanged between your agency and the furnisher ( s ) during the verification process, including but not limited to letters, emails, or any electronic correspondence. 

Any internal notes or records documenting the steps taken by your agency to verify the accuracy of the disputed accounts. 

Any other information or documentation relevant to the verification process conducted by your agency. 

Please be advised that the FCRA mandates that you provide me with this information within 30 days of receiving this request. Failure to do so may result in legal action being taken to enforce my rights under the FCRA.

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the specified timeframe. 

Thank you for your cooperation.
Product: Student loan

I have tried calling into Nelnet since the start of the repayments to ask about the relief on of my XXXX loan that has been in repayment status since XXXX. I am never able to actually reach a representative unless I want to wait on the phone for over an hour. I am sorry but I don't have this type of time to waste on the phone. I did transfer the loan from XXXX in XXXX of XXXX to be able to qualify for this relief that is being given per XXXX XXXX. I did reach out to student aid.gov and was told to reach out to my student loan provider. I have also sent a few email through the Nelnet portal, I still have not received a type of response from the email back in XXXX of XXXX. I also can not find any of the sent emails as Nelnet will not show the sent emails, only the inbox. 

I tried again to reach out to them on XX/XX/XXXX to find out a couple of question : XXXX the status of my XXXX XXXX XXXX XXXX XXXX application that I had to do AGAIN in order to afford my payment. not happy as it looks like it is resetting the loan back to XXXX payments on my XXXX and graduate loans. XXXX. I just made a payment of XXXX on XX/XX/XXXX and the applied it how ever they felt. I wanted this to be applied to outstanding intrest. XXXX. I again want to see about the relief on my XXXX loan. When I finally made it through all of the prompts it was an estimated wait of XXXX mins. This is just unacceptable for a company to leave its customers in the dark with very little communication regarding this information.
Product: Checking or savings account

On two occasions, I transferred US cash funds from my checking account and/or savings account to a new product called, Online Savings Account, and my transferred funds were not available for 10 calndar days to two weeks. I contacted the Pentagon Federal Credit Union to make these funds available immediately and they refused to do so.
Product: Credit card

Reported fraud on the capital one account. They opened a fraud investigation but I never heard back from them. I followed up and they said the investigation deemed it was not fraud and they couldnt tell me why. I requested for them to open another fraud investigation. During a follow up call, they suggested I change the email address to mine so that I could get a confirmation number. I also made a payment plan after being under the impression from the rep that this would help my credit situation because i am in the process of buying a house. After some advice from my financial advisor, they told me that this would do the opposite. I called to have the payment cancelled, they couldnt find the case number and I was assured no money would be taken from my account. Money was taken from my account days later and I was told by changing the email address and making a payment plan, that I had essentially claimed the account although this was done under their advice.
Product: Student loan

I have sent several emails anc called and mailed showing Missed payments, and nothing just saying the same count refusing to investigate payment to that are inaccurate and missing years of payment XXXX to XXXX when you call you are told different stories what to believe. This is so frustrating that this is suppose to help us but instead it is a full time job fighting with them to document money you paid. I am tired after 20 plus years of teaching and the last two years of pandemic teaching there has to be a better way