23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a collection account that has been reported to my credit file by Collection Agency 's. I believe this action is unlawful and in violation of several consumer protection laws as outlined in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

1. **Failure to Provide Validation Information** Under 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information regarding the debt in question before any reporting can occur. Despite my request for this information, Collection Agency 's has failed to provide any validation p
ertaining to the alleged debt, yet they have proceeded to report it to the credit bureaus.

2. **Right to Dispute** I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have made several attempts to reach out for clarification, but these requests have gone unanswered, violating my rights as a consumer seeking to dispute the validity of this account.

3. **Misleading and Deceptive Practices** I firmly believe that Collection Agencys is engaging in false, misleading, and deceptive practices concerning the collection of this account. Under various consumer protection laws, including 12 CFR 1006.34, such practices are strictly prohibited, and I request an investigation into this matter.

4. **Unauthorized Reporting** The collection agency has no lawful authority to furnish information to consumer reporting agencies without adhering to all disclosure requirements mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S1q 2 ( 7 ) ( a ), which state that no reporting can occur without appropriate disclosures. This has caused serious harm to my credit report and overall financial standing. 

In light of these violations, I kindly request the Consumer Financial Protection Bureau to investigate this matter. I seek appropriate corrective action to have this collection account removed from my credit report and ensure that Collection Agency 's adheres to legal obligations going forward.

Attached to this letter are relevant documents supporting my dispute, including correspondences with Collection Agency 's and my credit report reflecting the disputed account. 

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

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

i am writing to formally express my concerns regaurding zelle 's handling of disputes, particuraly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using zelle numerous times and reporting discrepencies, my financial institution and zelle failed to investigate my claims adequetely. They infomed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparancy is unacceptable and raises serious concers about customer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.
Product: Checking or savings account

Bank stole my money, there supervisor when ever it was time to replace she erase, knowing identity stolen, police report, false accusations, Went without XXXX, food, bills, Was given a XXXX dollars an supervisor took half back an refuse to give full amount, false accusations by this employee going on a month, threaten I had to go through her, her means of punishment, Knowing needed money to live. False accusations torture knowing need social security to live, there was know fraud, it was a way to tell XXXX XXXX XXXX woman, XXXX attack she will suffer which did, contract States any fraud money be return, fraud was issue by merchants an stolen card, supervisor blocked half payment when fraud acknowledge money should be given in 2 days, supervisor said another 11 days, Harassment by this supervisor putting life in danger, Police report acknowledge hacker, identy theft, an proof of hacker in there bank, XXXX attack, XXXX  financial abuse, card stolen, account broke into twice merchants tripple payments, an hacker tried to take XXXX dollars which was decline, They would rather label me a criminal, with no evidence, Supervisor have threaten me an employer I had to come back, if not she will keep the rest off food money an XXXX payments. It has been verified identy stolen, Supervisor of fraud unit continue to lie because off the false accusations, I return call she continue to take my money an make me wait for over a month, she continue to label a criminal, an erase supervisor who try to give me my money to survive,
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a {$1000.00} loan in which {$220.00} was available immediately upon approval with the rest released after final payment of the full {$1000.00}. A separate monthly subscription was required to access this loan. Within a week of approval, with no other use of the app, my account was frozen. The weekly loan payments and Monthly subscription fees are still charged but I can not access my account or the rest of the loan when it releases. I have requested information from the company. They are not cooperative.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed an account that I did not recognize. I disputed the account with a dispute letter referencing consumer law U.S.C 1692g Validation Of Debt. In the letter I asked for payment history, original purchase agreement and bill of sale. As well as start date close date. I would like this item removed off my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$7100.00} and MY balance was {$5900.00} as of XX/XX/XXXX. Card was stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had 32 of water from Hurricane Harvey after the XXXX tax day flood of 8. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the card but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments that started on XXXX of {$2400.00} and returned the same day, on XXXX of {$2400.00} and returned the same day, on XXXX of {$7000.00} and returned on the same day, on XXXX of {$2000.00} and returned on the same day, on XXXX of {$10000.00} and returned on the same day. See attached statements. {$24000.00} of bogus payments within one month and not do anything???????!!!!!! Two months of returned payments and they didnt contact me??!! XXXX should have been alerted on XXXX and contacted me then. See XXXX attached letter dated XX/XX/XXXX. I had asked for the payment methods used to make the fraudulent payments and XXXX denied the request. XXXX further states However, once an XX/XX/XXXX is returned because we were not able to locate the account, we suspend that account. {$24000.00} of fraud payments in two months and then suspend an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX was phone calling the thief. In the attached latter dated XXXX, XXXX states the bogus phone number was removed and they do not know how the thiefs phone number was added.????? So, XXXX was talking to the thief, accepted more than {$24000.00} of fraud payments, allowed more than {$7000.00} of charges, and allowed the credit limit to be exceeded more than {$6000.00}. And XXXX sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$6000.00} laying around to pay it off. Now XXXX holds me responsible because they dont have a modern system to alert them.
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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX and I'm a retired XXXX XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! XXXX XXXX
Product: Credit card

We have had a business card with capital one since 2019 never late never not paid in full never had an issue. They closed our account and only gave us this response Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence. 

What does this mean? How can you offer a credit card than say we dont like how or what you buy? I want a reason as to what we did to garner our account being closed. I feel profiled by this company. I do not appreciate that they did this with zero notice just BOOM closed I had auto payment set up that were denied that could have effected my credit. I have called several times and nobody at capital one can give me a straight answer as to why this account was closed. I can tell you what wont be in my wallet anymore CAPITAL ONE!
Product: Credit card or prepaid card

I dont have a citizens credit card. However, I have been getting regular texts from them for a couple months, since I used one of their ATMS to withdraw cash in XXXX, RI. The latest was a text from XXXX, stating they put a hold on the {$140.00} charge I made. Im glad I dont have one of their credit cards their texts are very convincing. I do fear they have my debit card info or its a coincidence that the texts started RIGHT after I needed cash but was too far from my own bank at the XXXX.
Product: Mortgage

I received a letter from Ocwen Loan Servicing , LLC stating that myaccount had been increased. I called to ask for an explanation andtold they could not really explain it..I asked for an escrow reevaluationand was told it would be done ... .I also asked my attorney to review the leletter from Ocwen to see if she understood it and she did not, sheforwarded a letter asking for an explanation..She suggested that Icall the customer service number provided by Ocwen and talk to myCustomer service rep.. I did that and he also had no idea how toresolve the issue. He suggested that I call the research departmentwho would then call the escrow department who would take about15 days to reply. They could not provide me with a phone number ormailing address for the research department. 
I really would like some assistance in resolving this issue. 
As of today, XXXX XXXX, 2015 the reevaluation on the escrow accounthas not been done nor has anyone contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Toyota Financial Services is guilty of FRCA Law 1006.18 that's states false, deceptive or misleading representation of debt. 

I have sent them several emails and also spoke with them about reporting incorrect information to my consumer report. They have refused to make any changes after reaching out to them about the issue. 

They are reporting the payment status on XXXX as in repossession, although I have my car and making monthly payments. This is damaging my opportunity to get loans or finances for the things we are trying to accomplish. 

Please see screen shot attachments that shows the false information on my consumer report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts 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
Product: Checking or savings account

My bank is not sending or showing app my latest direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/22, I have been having issues with these accounts reporting inaccurate information on my credit report. I have submitted numerous letters requesting verification of these accounts. I have not received any updates in regards to this issue. Accounts reporting to the credit bureaus must report XXXX percent accurate. These accounts are as following XXXXXXXX XXXX XXXX  USAA Savings Bank XXXX and XXXX XXXXXXXX XXXX  XXXX 

I am respectfully requesting the deletions of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize inquiries done on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, I sent XXXX a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to XXXX, XXXX and Transunion requesting they verify this validity of the account as well as informing them this was a HIPAA violation. 
Furthermore, Transunion is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. XXXX and Transunion have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and TransUnion is still reporting it open. XXXX has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.
Product: Mortgage

I received an escrow analysis from Freedom Mortgage for my second home in VT. I noticed they input the wrong tax amount for the XX/XX/XXXX tax disbursement on Part 3 of the expected escrow payments for the next 12 months. The analysis indicated I had an escrow shortage of {$750.00}. I called the company on XX/XX/XXXX, and they were going to investigate it after I spoke to 4 different people. To ensure it was handled properly I also submitted a written notice of error on their website, and attached the analysis copy for their review. Additionally, I sent a written notice of error to Freedom Mortgage along with a copy of the analysis via regular mail on XX/XX/XXXX. Since that time I have received a refund check of {$72.00}, which I believe is an error. I also received a message in their website that I would receive the refund check, and my new monthly payment would be {$1000.00} effective XX/XX/XXXX. Today, XX/XX/XXXX I received a new analysis that now reflects another shortage of {$110.00} and my new mortgage payment would be {$1000.00} effective XX/XX/XXXX because they spread the shortage out over the 12 months. Yet, this morning before I received this in the mail, I made my mortgage payment online. The website stated my payment was only {$970.00}! So I paid it though it seemed impossible that my payment is less than before any analysis was computed. I have attached all pertinent documentation here for your review. This should have been an easy fix for Freedom by just plugging in the accurate taxes. It has turned into a bit of a nightmare since there are so many discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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: Vehicle loan or lease

My loan interest rate is 24.9. In Tn I believe the max rate should be less then 24.00. The car sales man told me a different date at signing I was young and didn't have an adult to come and supervise me as I purchased my car. Santander bank is taking hidden fees and I can show you a payment history on my loan to prove it. I call and they don't know how to explain. My credit score was not bad at the time I got my car I just don't understand why I will be stuck with this loan for the rest of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

They incorrectly reported my card as over the limit when they caused it to go over by adding interest and fees. 
The account was not over from a charge on the card and has never been over before. 
The closing statement was on XX/XX/2022 Before the closing statement I was under my limit. At the time of the closing statement on XX/XX/2022 they charged me an interest fee of XXXX which put me over the limit. Then they reported me as over the limit. According to Consumer Protection Act this is an illegal practice. I can not be reported as over the limit or charged a fee for over the limit because of any fees they impose that cause me to go over. I would like them to correct on my credit report the over the limit they reported and be fined for their practice of doing this. Who knows how many other people are getting their score dinged by them. Mine went down XXXX points because of this.
Product: Money transfer, virtual currency, or money service

This is the 3rd time Venmo has suspended my account when I try and send my money which is the only way I can get it off there because they wont let me add my bank account. When I call they say I have to wait for email that takes days. Right now i have XXXX on there and cant access it. I've filed tickets, submitted my identification changed my password. They do this everytime I try and access my money. The most recent being today XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Trans Union has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as possible. Thank you.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX