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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I am writing to formally dispute several entries on my credit report, which I believe are inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 611, and 623, as outlined in the recent class action lawsuit against XXXX and XXXX regarding data breaches and improper credit reporting practices. My credit report contains outdated information, including a collection account from XXXX, I.C System , Inc  XXXX Original creditor ; XXXX XXXX XXXX XXXX Despite submitting previous written disputes regarding these errors to both XXXX and XXXX, the credit bureaus have failed to conduct a reasonable investigation, leading to the continued presence of inaccurate information on my credit report. 
I further request that the CFPB take necessary enforcement actions against these credit bureaus to ensure compliance with the FCRA, including the correction of the inaccurate information on my credit report and appropriate consumer redress. I also had incorrect spelling of name and addresses connected to my credit report, that I have not lived at. I am also a previous victim of Identity Theft.
Product: Credit reporting or other personal consumer reports

I went through a hardship with Upgrade. After completing the hardship, I tried numerous times to log in to my account to see what the new ( original ) payment was and due date. The website was down for almost 2 weeks and as a result, no one ever returned a phone call either. No way to log in to get due date or amount or any way to make the payment. Have pics of website error message every time I tried to log in.
Product: Debt collection

They call XXXX times a day even though I talk to someone EVERYTIME they call. I ask them not to call me repeatedly as I have already answered their questions EVERYDAY. My answers will not change at this time.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally lodge a complaint and demand immediate enforcement action against Sun Loans for violating federal law regarding credit reporting practices. Specifically, Sun Loans continues to report a charge-off on my credit report dated XX/XX/year>, yet has failed to provide me with a Form 1099-C, which is required under Internal Revenue Code 6050P when debt is discharged or canceled.

Sun Loans failure to issue a 1099-C while maintaining the negative report of the charge-off on my credit report is a clear violation of federal regulations. This conduct not only reflects a disregard for their obligations under the Fair Credit Reporting Act ( FCRA ), but it also potentially misrepresents the status of the debt, causing unjustified harm to my creditworthiness and financial standing.

Violations at Issue Failure to Issue a 1099-C : Internal Revenue Code 6050P mandates that a creditor must issue a Form 1099-C when a debt of {$600.00} or more is discharged or forgiven.

Continued Negative Reporting : By failing to issue a 1099-C and simultaneously reporting the debt as charged-off, Sun Loans is perpetuating inaccurate and incomplete reporting in violation of the FCRA.

Demand for Immediate Action I demand the CFPB take swift enforcement action to investigate and rectify these violations. Specifically, I request that : Sun Loans be compelled to provide me with a Form 1099-C for the reported charge-off amount, or Sun Loans cease all credit reporting of the charge-off if no 1099-C is issued, ensuring compliance with applicable laws.

This dual failure by Sun Loans is causing significant and ongoing harm to me, both financially and personally, as the inaccurate and incomplete reporting continues to negatively impact my credit report.

Next Steps I request the CFPB to immediately investigate this matter and compel Sun Loans to take corrective action in accordance with federal law. I expect to be updated on the status of your investigation within 30 days of the date of this letter.

Should Sun Loans fail to correct their unlawful practices, I will pursue all available legal remedies, including filing a complaint with the IRS for their failure to issue the required tax documentation, in addition to exploring private legal action.

Thank you for your prompt attention to this matter. Please feel free to contact me directly at [ your phone number ] or [ your email address ] should you require additional details regarding my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2019 I submitted a complete financial application for assistance with my mortgage. I had fallen behind after my mortgage payment ballooned from {$1000.00} per month to over {$3000.00} per month. My application contained all of the required documentation that was up to date including my bank statements from closing dates XX/XX/2019, XX/XX/2019 and XX/XX/2019. Those three bank statements showed my rental income deposits. Since that submission PHH is stating the bank statements I submitted are too old ( over 90 days ). They are saying this after stalling on making a decision on my application since that submission date. Most recently they sent out a letter stating the bank statements are over 90 days old. I hired an attorney to assist me and the attorney keeps telling PHH they are required by RESPA Regulation 1024.41 to review application and make a decision. They are not allowed to continue to let paperwork expire and ask for it over and over again. That was the purpose of RESPA Regulation X. PHH continues to do this and evade reviewing my application. Under duress I have sent in an additional bank statement as of today.
Product: Credit reporting or other personal consumer reports

I disputed my XXXX XXXX XXXX  due to late payments during COVID reporting inaccurately and the credit bureau continuously reporting the closed account with an active payment history. In addition I requested a XXXX form from the company and the sent a correspondence stating they did not charge off the debt.
Product: Payday loan, title loan, or personal loan

l went to check in to Cash to get a payday loan. I borrowed XXXX dollars and they gave me XXXX. That is the amount I am supposed to receive I get paid once a month I pay the loan back and that day I borrow the XXXX back. I have been borrowing from this company for at lease 2 years I have never been late and each month i go in to pay this loan. Last XX/XX/XXXX I went to take out a loan with Check in to Cash and they ran my credit they didnt give me the option to choose if I wanted them to do this. I wasnt even asked. They didnt have anything posted. I called and complained and they told me they should have asked me or had it posted. The company also told me it would be removed. They never remove the inquiry. Since that date they have made 2 more inquiries on my credit. XX/XX/XXXX and XX/XX/XXXX. I have called this company corporate office more than 3 Times and nothing has been done about it. They just are giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have unathorized credit inquires on all 3 credit report agengencys equifax XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Capital One has refused to remove a charged-off credit card account from my credit report, which is the result of identity theft. I did not open or authorize this account, and the charges associated with it are fraudulent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I provided Capital One with an Identity Theft Affidavit and can provide any other supporting documentation to demonstrate that this account is fraudulent. Despite fulfilling my obligations under the FCRA to report this identity theft, Capital One continues to validate and report the fraudulent account as a valid debt, severely impacting my credit score and financial standing. I have repeatedly requested that Capital One provide documentation or an explanation regarding how they have validated this debt in light of the identity theft evidence I have provided. To date, they have not complied with these requests. I am seeking the immediate removal of this account from my credit report in accordance with FCRA provisions and request that Capital One provide all documents they have used to validate this debt.
Product: Debt collection

I have submitted to see verification proof from PHOENIX FINANCIAL SERV about a debt they claimed that I owe but they have refused to provide the information in a timely manner. The account number is XXXX. I demand that they removed this account immediately since they have not provided proof.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which has revealed significant issues with the platform.

As a frequent user of Zelle, I have encountered multiple instances where discrepancies arose, and despite promptly reporting these issues to my financial institution and Zelle, I have found the resolution process to be inadequate. Both parties informed me that recovering the lost funds was not possible and that tracking the relevant transactions was unfeasible.

The findings outlined in the CFPBs investigation indicate that Zelle has not only failed to protect consumers effectively but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams and fraud. This lack of accountability and transparency is concerning and raises significant questions about the platforms commitment to ensuring the safety and security of its users.

Given the severity of these concerns, I respectfully urge you to consider further actions to improve the dispute resolution process, enhance consumer protection, and hold Zelle accountable for its role in these matters. Ensuring transparency and a more rigorous investigation process would go a long way in restoring consumer trust and confidence in the platform.
Product: Checking or savings account

XX/XX/23 - I contacted Citi bank fraud department to inform them I received a reference letter to gain access to my account which they told me my account would have access to after I do so. I gave them a reference number from a letter I had to wait for 5 business days to receive. This is my main account I explained to them and not only is citi bank delaying my bill payment they are also crippling my money flow Inside of my account. So after a long hold on the phone the representative tells me I have to wait another 24-48 hours for a phone call to get access to my account. This haves been the worst banking experience I have ever encountered I am very XXXX and I even have gotten sick because of all of this stress that I can not access my account. I am backed up on bills and short of money because of citi bank. I even went to the branch and they told my my account was active then I check and it wasnt. This is very un professional and I feel very stressed that I can not access my primary account for nearly a week. I want damages paid on behalf of citi bank for XXXX XXXX and pain and suffering because now I am under the weather because of the XXXX citi bank haves given me
Product: Credit reporting

I 've submitted info numerous times for the company XXXX and XXXX ( now reporting to XXXX collection agency ). The account was opened with my SS # I contacted my local police dept. for police report for fraud account. ) I also spoke with Experian for them to validate account and no identity documentation was provided.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. 
particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed 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 XXXX allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and rasies serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am a concerned consumer and want to ensure that my account is being reported 100 % across the board to the credit reporting agencies. I am fearful this may not be the case and this could be affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$640.00} Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Debt collection

CONSTANT HARRASSMENT AND BULLYING FROM XXXX XXXX, GCCB ( Gulf Coast Credit Bureau. For 7 months now, over XXXX voicemails, calling my work number, and terrorizing me in the evening with my child watching my phone constantly ringing. 

I have no outstanding debt. They are FALSIFYING information and honestly, there needs to be a class action lawsuit against these terrorists.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint with a shorter version of is long version but either version doesn't address the ISSUE which is EXPERIAN NOW HAS STOLEN ALMOST XXXX MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK
Product: Vehicle loan or lease

XXXX XXXX # XXXX To whom it may concern, I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by PNC Bank in the state of South Carolina on or about, XX/XX/year> and resold on or about XX/XX/year>. 
Under the laws of the state of South Carolina UCC & South Carolina UCC code, you will need to look this up and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Reporting agency is preventing me from viewing and challenging erroneous information on my personal credit report online. I do not want a paper copy, but to be able to do this electronically. They are clearly reporting negative information that is on my reort that was easily corrected with both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit inquiry XXXX XX/XX/2020 XXXX to the FCRA, a credit bureau is required to respond to the consumer and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I have tried by mail and also phone with no response and lack of effort in assisting with this issue. As a consumer i feel violated and ultimately devalued.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report.

The Credit Bureaus stated my accounts was properly investigated, how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION. My account is also having duplicate account.

In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions.

( 1 ) Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX I sent a certified letter never heard anything back my XXXX XXXX XXXX mail receipt XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

CHASE BANK REFUSING LIGIT ACH authorized payments causing impacting financial hardship. Vendors being told at clearing house customer does not authorized the transaction. Totally false. Chase at every level unanle to respond with a reason they just keep rejecting. Unacceptable!
Product: Debt collection

XXXX hired a collection agency to collect a debt I did not owe. The notice I received from the collection agency, Eastern Account System of Connecticut XXXX Inc. was intimidating. The Notice said the debt would be " valid '' if I did not contact the agency, during office hours ( XXXX XXXX to dispute the debt within 30 days. Instead of calling the collection agency, I called XXXX. 

On XXXX XXXX, I called XXXX and was told by the first XXXX rep that the debt was valid, despite the fact that notes in XXXX 's own records showed that ( i ) I had cancelled service with XXXX on XXXX XXXX and ( ii ) this was within 30 days of initiating service with XXXX on XXXX XXXX. I told the first XXXX rep I did not have an outstanding balance. He told me the records showed that I did have an outstanding balance, and refused to allow me to speak with a manager. Instead, he said I would receive an email within 48 hours with a final decision by a XXXX manager. I never received any such email from XXXX. 

A week later, on XXXX XXXX, I once again called XXXX to dispute the charge. I spoke with a second XXXX rep and once again was told the debt was still valid. He told me there was nothing that could be done over the phone and that I had to travel to my local XXXX office to try and dispute the charge. As I was asking for information about notes that XXXX had made in the account, he disconnected the line without any notification and my call was re-routed to the regular XXXX customer service answering service. After going through the entire customer service process for a fourth time, I was finally connected with a third XXXX rep, who after reviewing the notes told me XXXX agreed I had canceled the service within 30 days, there was no outstanding balance, and I would be receiving a letter in the mail confirming as much. 

Companies like XXXX should not be able to treat customers this way. The company makes it very easy to set up service, even promising to allow customers to cancel service at no charge within 30 days. Then, after a customer cancels the service, XXXX bills the customer anyway, refers them to a collection agency, hangs up on them when they call to dispute the charge, and makes them spend hours of their own time before finally relenting. This is consumer fraud and is wrong. Please help protect me and other Americans from these sorts of practices by XXXX.