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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, NY XXXX XXXX XXXX Bank XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$530.00} To whom it may concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section 1692g ). 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : XXXX XXXX XXXX  XXXX Please note that XXXX XXXX XXXXXXXX XXXX Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o Proofofmyagreementtopaytheoriginalcreditor ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge.

Federal Trade Commission Consumer Response Center NYC Department of Consumer and Worker Protection
Product: Checking or savings account

capital one bank, had an internal fraud inside with one of our accounts ending in XXXX, was fraudulently debited and the money in there used on XXXX for multiple transactions, we did not notice this until a later time after those transactions, because this was just a silent account they have forced us to open for their products of savings or whatever they force us to do in order to keep the money, however this account was silent and nobody know it is number or details other than the bank employees, so the frauds were done from their staff. 
we complained about that back on XX/XX/year>, which caused them to lock the all the 4 accounts we have with them then after long time on XX/XX/year> they closed one of them without telling us and send a check ( as they say ) which we do not recognize been happening, sent to a wrong address not the mailing address on file with the bank, then they say their policy and procedures is to wait 90 days again in order to issue another check because the old one was not received, not committing the mistakes they have been making, no communication, no transparency on the frauds, not sending the checks to the correct address on file, all customer service are low quality and do not know what they are doing
Product: Credit reporting

Experian refuses to reinvestigate an account that can not be validated. They did an investigation XXXX 2013 and will not respond to a further investigation. XXXX placed a collection on my report which they can not validate and I have disputed numerous times to remove. I never opened a XXXX account, there is no payment history, no historical information, charge off statements, dates to validate any of the information, letters of dispute or collection, authorized user information, original terms and conditions of the account with original application and signature, yet monthly the account is updated as valid and late. This is in violation of the CFPB consent order XXXX with XXXX and the reporting requirements of FDCPA and CFPB.
Product: Credit card

In XXXX, 2017 I gave my credit card to XXXX for payment on TJX Rewards/Syncb and it was denied. I have no history of late or nonpayment with this company. I have a credit score of XXXX. On Sunday, XXXX I went to the XXXX at the Convention Center in XXXX and tried to purchase a product using the same card for a XXXX ( jewelry cleaner ), website address is : XXXX. this was {$20.00} plus tax and my TJX card was denied again. I am XXXX years old and have NEVER BEEN DENIED using credit cards. I have been humiliated, embarrassed and am very upset about this matter. I have been given no reason why this has happened. There are two dates involved but you only allow space for one date XXXX and XXXX are the denial dates.
Product: Checking or savings account

On the XX/XX/XXXX I received in funds to my Bank of America checking account. I had closed an investment account and has received in {$160000.00}. My intent was to move the money to my XXXX investment account. I accidentally sent to funds to my XXXX Visa Card. ( It was an easy mistake as the the two are listed next to each other on the website for transfers. ). Realizing my mistake I called and sought to unwind the transfer. 
After 8 days, numerous calls, I still cant get access to my funds - they are stuck as a credit on my credit card. 
I am an 18 year customer of the bank. The funds moved from my checking account to my credit card. I am a former employee of XXXX, a lawyer and a certified anti-money laundering specialist- there was nothing that qualified as suspicious about moving money between my accounts. Yet after 8 days I have not been able to get access to {$160000.00} and have missed out on potential investment opportunities as a result of Merrills inability to respond to my request to correct a simple clerical error. 
Calling every day I was given different excuses for the delay and different expectations about when the funds would be returned. At this point I have {$160000.00} credit on a Visa card that is useless and no rational explanation for the delay. I hope you will investigate.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Incorrect Account Reporting, Violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an account inaccurately reported on my Experian credit report. The reporting company has failed to comply with the Fair Credit Reporting Act ( FCRA ), and their actions may also violate IRS regulations regarding debt forgiveness.

Details of the Issue : The account in question was sold, transferred, or charged off. However : 1. The account remains negatively reported on my Experian credit report, in violation of 15 U.S. Code 1681e, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

2. Despite my dispute, the company has failed to conduct a proper reinvestigation as required under 15 U.S. Code 1681i.

Additionally, because this account was charged off, the creditor was required to issue me a 1099-C for canceled debt income under IRS guidelines . Instead, they continue to report the balance as a negative item on my credit report, which constitutes double reporting and is inaccurate. If the account was sold or transferred, the original creditor no longer has a legal right to report the balance.

Harm Caused : The inaccurate reporting has negatively impacted my credit score, which has affected my ability to secure loans or credit at reasonable terms.

I have also been unable to file proper tax documentation due to the lack of a 1099-C for the charged-off debt. 


Supporting Documents : I am attaching my XXXX credit report highlighting the account in question. I attached a letter from XXXX whom states they couldnt find any account and needed me to provide information. I never signed a contract with XXXX and additionally I am requesting the original contract agreement signed by me and dated with the company XXXX. Additionally, I am happy to provide any further information necessary to assist in resolving this issue. 

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with the FCRA and IRS regulations. 

Sincerely, XXXX XXXX
Product: Student loan

I have Low income. And each year I am to apply for the income-based repayment program. I tried on my borrowers website this year to apply but I was unable to do so for some reason it wouldnt accept my information. So I went to the federal student aid website and applied for my income-based repayment program there assuming it would transfer to my loan servicer NelNet. I called NelNet in XXXX to advised them of this and they said my payment would stay the same which was {$390.00}. However my payment went up to XXXX and I never received a notification that this would occur. The last email I received from Nelnet was in XXXX asking me to recertify which I had difficulty doing so I called them after I did it on the federal website and they said that my payment would remain the same but it changed and they did not notify me!
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$170.00} was sent via moneygram to the recipient who was told that the moneygram website was down and the XXXX XXXX XXXX XXXX number does not work.
Product: Prepaid card

On XXXX XXXX, 2015 there was a direct deposit made by job of {$80.00} to my Rushcard account. That same day Rushcard made a duplicate deposit of {$80.00} and then made a duplicate reversal of {$160.00}. I contacted the company on XXXX separate occasions to explain why this transaction occurred and when can I expect to have my money returned to me. On each occasion I was placed on hold for more than an hour and despite promises to rectify my account the money has not been returned to me. The last representative I spoke to advised that he would take this matter straight to the corporate office to resolve and would send me an email confirmation of our conversation. This was on XXXX and I have not heard from anyone nor did I receive the email. I am very frustrated at this situation and the lack of resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX-was never late please remove XXXX  i do not have a XXXX XXXX account please remove XXXX XXXX  account shows a profit written off- please remove from my credit report XXXX XXXXaccount close by company-this is not my account please remove XXXXthe warranty paid of the balance of this account please remove from my credit report XXXX XXXX XXXX XXXX i have never had an account with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Mortgage was paid off on XX/XX/2021 which resulted in an overpayment with an accrued escrow balance. Lender has failed to process refund of overpayment and has refused to advise when the payment will be processed and issued. 

I have attempted to resolve this issue multiple times and concerned they are withholding funds that should be refunded. They have thousands of dollars in funds that were part of escrow and overpayment that they have not released. The communication with them has resulted in no clear answer or expectations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXXXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I contacted XXXX as well as representatives from these companies, but they are not providing any assistance. The law ( 15 USC 1681b ) that applies in this situation has been ignored. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX my credit on XXXX XXXX. XXXX Access my credit on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Executive Vice President and Chief Financial Officer failed to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, USPS Certified # XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Yesterday I received a warning from XXXX that my credit had dropped. I went to check and found a company called XXXX XXXX XXXX XXXX asking me to pay a hospital bill that don't belong to me. I'm trying to communicate but I have no answer. I NEVER received any mail from this company at my address. XXXX XXXX XXXX XXXX is making false and defamatory statements about me regarding debit they are trying to collect. I think this company is a scam.
Product: Mortgage

My original mortgage for this property was owned by XXXX, when the economy took a downturn I was in the process of modifying my loan with them and after providing all the required paperwork and going thru the modification process I was finally in the final stages to get my loan modified, unfortunately at this time the bank sold my loan to Shell point and the process had to be re started again, during the beginning of this process the builder of the condominium complex took over the units and displaced most of the owners due to the fact that the association was dissolved and they still owned a big percentage of the units at which point I lost all control of my property, I informed Shell point of this situation and they never acknowledged that this condition existed and took me to court to try recovering their so called 'loss '', while we were in court the judge made them aware of the situation and suggested they release me from this loan due to the fact that I had no longer had rights on the property but Shell point refuses to do so causing me to loose money by hiring an attorney, going to court twice already and negatively affecting my credit, i have no rights or benefits on this property, the builder which took control is getting paid monthly rent and they got the property for free while i am stuck with no revenue, bills, all the aggravation, I need this loan report removed from my credit and to be released from this property that was taken from me in a very unprecedented way and thru a procedure that has never been used before according to my attorney, the judge and everybody that I have asked with mortgage loans experience
Product: Credit card

I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$400.00} worth of points I have earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$2000.00} XXXX XXXX  Account number : XXXX Balance : {$6600.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

Inaccurate information on my credit report name spelled wrong and accounts settled out but still not placed in XX/XX/XXXX andXX/XX/XXXX on inquiry they just went through a data breachXX/XX/XXXX2025