23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally request a debt validation under 15 U.S.C. 1692g, also known as the Fair Debt Collection Practices Act ( FDCPA ), in response to your collection efforts regarding the account referenced below. 

XXXX - XXXX XXXX - XXXX Please provide the following documentation and information to verify the debt : A complete and detailed list of the payment history on this account, with my name clearly indicated, including all amounts paid, dates, and any adjustments made. A copy of the original signed agreement or contract that I entered into with the original creditor, specifically the document bearing my original signature which verifies that I agreed to the terms of the contract. Confirmation of whether any insurance claim has been filed regarding this debt, and if so, the details of such claim. A clear and verifiable chain of title or ownership, showing how and when your company came into possession of the right to collect on this debt, including all assignments and transfers. Please note that until I receive this requested documentation, I consider this matter unresolved. In accordance with 15 U.S.C. 1692g, I request that all collection activities cease until the requested verification has been provided. I expect a prompt response to this request. If the requested information can not be provided, I will consider this debt invalid.
Product: Checking or savings account

I XXXX XXXX the president of XXXX XXXX diposited in my chase bank account {$100000.00}/ also recieved a zelle of {$30000.00} also diposited {$200.00} / chase closed the account for two months and the hold the money and not gave my back
Product: Mortgage

Was instructed to send in my personal info, income, Social Security numbers, eat. To the Capital One XXXX Office attention Imaging center. They have lost my documents. Told me they would have not told me to send in via mail, they did. All conversation are recorded as will show I followed instructions. My personal info is out there somewhere.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am ling this FTC Identity Theft Adavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card account opened at XXXX  XXXX on XX/XX/XXXX, Acct # XXXX, a credit card account opened at XXXX  XXXX XXXX, Acct # XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Acct # XXXX, and a credit card account opened at XXXX  XXXX on XX/XX/XXXX, Acct # XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All of the accounts above, collections, late payments, charge-offs, and hard inquiries result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments, charge-offs, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2017, all bureaus to include XXXX, Equifax, XXXX  as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately. 

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.
Product: Checking or savings account

Truist Bank closed my account because I am the representative payee for my aunt 's SSA. 
I was advised by Truist customer service that XXXX i received from my aunt to pay her bills was flagged as suspicious. Her bank XXXX cleared the XXXX, and it was credited into my Truist checking account. 

Truist closed my checking account with XXXX and told me I will have wait 30 days for a cashier check No suspicious activity occurred.
Product: Student loan

I applied for a renewal of my income based repayment for my federal loans. For the last number of years I have made the same payment of about {$770.00} for my consolidated federal loans. This was full repayment mode. I received income based repayment for XX/XX/2018 for $ XXXX  monthly. Now that my plan has expired my payments went up to {$1600.00}. I don't understand why it would double ... Ive never paid that amount. I was on full payment plan, not graduated payments I do not understand why the payment would be so much. 
When I called to ask, I could not get an answer. I did the application and I still need to provide another document for my application. 
But why would my payment double?
Product: Money transfer, virtual currency, or money service

XXXX is the ticket number with Binance.US I have been doing a little bit of business with them and did two deposits of {$35.00} and one for {$100.00} towards the end of XXXX. On XX/XX/XXXX I reached out to them as the deposits had not come out of my bank account. They responded with just an auto response and I told them it was not fixed. I did not hear anything back from them and tried to move some of my coins in early XXXX and noticed my account was XXXX. 
My bank account always has way more then {$130.00} in it to cover the transactions. Something happened on their end that caused the issue and they wont fix it leaving me and a lot of others in complete limbo without access to my funds. I have no problem settling up with them but they completely ignore the customer at this point. I have asked for help via e-mail, twitter and even through a survey function without a response from an actual person. They have no phone number to call either. Binance.US seems to be a corrupt organization or they just have no idea how to help someone.
Product: Checking or savings account

Please see attached documents, particularly the police report filed, for details about my complaint. Further, please disregard the part of the handwritten note given to the police that talks about vitamins etc., as that information is not related, but must have been written on the backside of the note and copied by the police department record clerk in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Nissan-Infiniti LT contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, Nissan-Infiniti LT again contacted me via a letter. They stated the lease terms can not be altered for me. IFS must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted Nissan-Infiniti LT via a letter. This letter discussed the reasons for my hardship. I was arrested and taken to jail for resisting arrest. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I have other pending complaints regarding some of the same issues which I soon will list below. However, I am submitting this complaint here because   XXXX   XXXX    reason for denying my claims appears that the issues of my complaint were not clear.   In order to clarify my issues/complaints, these are now the current issues :  1 )   XXXX   XXXX   XXXX  action requested : To remove the Comment " Account previously in dispute-investigation complete, reported by data furnisher . '' 2 )    XXXX   XXXX  -action requested : To remove the  Status advis ory " This item was updated from our processing of your dispute in  XXXX   2015 . ' ' 3 ) P ersonal statements you 've asked us to include-action requested : To remove the following statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want continue with the security freeze, but I never requested/authorized that statement to be added to my credit report.
Product: Bank account or service

On XXXX/XXXX/16, I went to the ATM located at the M & T bank at XXXX XXXX XXXX XXXX, XXXX, VA around XXXX. I use this ATM on a regular basis usually every other Thursday when my payroll has been directly deposited into my account. I attempted to get {$310.00} from the machine. The ATM made a long grinding noise and did not complete my transaction. No monies were dispersed to me. I left and went to work. I checked my online account for verification that my account was not debited. However, my account had been debited for the {$310.00}. I immediately contacted M & T bank to inform them of the situation as well as the branch where the ATM is located. M & T bank issued me a provisional credit of {$310.00} pending their investigation. I received a letter from M & T bank dated XXXX/XXXX/16 informing me that they determined that the transaction in question was processed correctly and no error had occurred and they were denying my claim. They then erroneously reversed the provisional credit of {$310.00} on XXXX/XXXX/16. I immediately contacted M & T regarding this matter and they informed me that I could submit a letter requesting that they re-open the investigation, which I drafted and faxed to them on XXXX/XXXX/16. As I informed them in my letter they should pull the film and look at it and they will see that no monies was dispersed to me when I was at the ATM on XXXX/XXXX/16. M & T bank wrongly debited my account for {$310.00} and I want my money to be correctly returned to my bank account. My payroll check is directly deposited into my account every other Thursday and a deposit was made on XXXX/XXXX/16 so there was no issue with the funds being available. Given my stellar banking relationship with M & T bank which spans approximately 20 years I strongly disapprove of their handling of this matter. This makes me very uneasy as a consumer that a banking institution can incorrectly take monies from my account. No monies were dispersed to me from the ATM on XXXX/XXXX/16 and M & T bank wrongly took monies from my account. I want and need my money back.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I exercised my rights contained within Uniform Commercial Code in particular Article 1-204 Except as otherwise provided in Articles 3, 4, [ and ] 5, [ and 6 ], a person gives value for rights if the person acquires them : ( 1 ) in return for a binding commitment to extend credit or for the extension of immediately available credit, whether or not drawn upon and whether or not a charge-back is provided for in the event of difficulties in collection ; ( 2 ) as security for, or in total or partial satisfaction of, a preexisting claim ; ( 3 ) by accepting delivery under a preexisting contract for purchase ; or ( 4 ) in return for any consideration sufficient to support a simple contract. 
Fifth Third Bank through deceptive business practices deprived me of my rights found in Article 9-102 ( A ) ( 2 ) right to payment of a monetary obligation.

When their practice became exposed, 5/3 Bank proceeded to close, and sell the account to a debt collector without providing a 1099-C to the Taxpayer. I have contacted by certified mail the President CEO, Vice President CFO, of 5/3 Bank with no response from either.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling 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 funds was feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect the consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

A spreadsheet provided as validation is not validation, this is an error I do not owe, remove this mistake
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Equifax for Fraudulent Reporting and Retaliation To Whom It May Concern, I am writing to formally lodge a complaint against Equifax regarding their fraudulent and malicious actions that have resulted in the wrongful placement of damaging statements and events on my credit report. As well as attempts to conceal said events, by restricting my access to their products ; as evidence will further. These actions appear to be retaliatory in nature, stemming from my previous disputes concerning their negligence and failure to comply with consumer protection laws as outlined by the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and the Fair Debt Collection Practices Act ( FDCPA ). 

Equifax has knowingly and willfully submitted false information to my credit report, specifically, while investigating dispute, regarding a previously closed charge-off account with XXXX XXXX. They have falsely reported this account as open and currently show that I have 68 missed payments. Prior to this erroneous reporting, I maintained an excellent payment history of 100 %. However, due to these malicious actions, my reported payment history has plummeted to a mere 35 %. This unjust and fabricated alteration directly impacts my creditworthiness and financial stability. 

Despite my repeated attempts to resolve these disputes through Equifaxs established processes, they have chosen to ignore my concerns and instead continue their pattern of deception. This negligence not only violates the standards imposed by the FCRA, FTC, and FDCPA but also constitutes a premeditated effort to defraud my credit standing, leading to unjust consequences for my financial life. 

The impact of Equifax 's actions has been profoundly damaging, resulting in loss of credit opportunities, increased XXXX, and a sense of helplessness in navigating a system meant to protect consumers. By failing to take responsibility for their actions and by engaging in retaliation, Equifax has not only harmed me but has undermined the integrity of the credit reporting system as a whole. 

I urge the Consumer Financial Protection Bureau to investigate Equifax 's practices concerning the reporting of consumer credit and to take necessary action against their misconduct. Consumers deserve a system that upholds accuracy, fairness, and accountability, and Equifax 's current actions blatantly contravene these principles. 

Thank you for your attention to this serious matter. I look forward to your prompt response and action regarding my complaint. 

Sincerely, [ XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXX XXXX XXXX
Product: Credit card or prepaid card

After fraud happened on my card capital one sent me a text to see if it was me because I was asleep I called the next morning and told them it was not me and asked to close my account. I then paid off the card balance besides what was fraud. I thought that was the end off it until I got a bill months latter I called them and they told me that they recently mailed out a card and that I was who called in. This was not the fact as I had asked for the account to be closed. The person on the phone said they sent the same card number as the one I reported was being used fraudulently. I was assured things would be taken care of. I never carried a balance on this card I paid it off every month weather the balance was XXXX or XXXX dollars it was paid each month. Now they have been reporting to the credit agency lies they say I have made payments which I have not my bank account can show my last payment was when I closed the card in XXXX. It is now XXXX and I have been denied credit because this says I am in collections for something I did not do. I closed the account what they did after that is not my responsibility. I have called and they say they will investigate and then tell me I owe it which is impossible as I didnt make those charges I closed that account. Then when I dispute it with the credit bureaus they say its valid without actually investigating because if it was investigated they would know i did not use a card on an account they agreed to close. I can show my last payments and charges this is not right. 

I have attached bank statements that confirm I paid my balance off every month until XXXX when fraud happened. After that I paid my balance off besides the fraud. After that they have changed the balance from XXXX to XXXX I did not do this and I can show that they falsely report the information as well as did not close my account when asked to do so and further more let someone use the account and now try to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, Discover Financial, 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
Product: Debt collection

I had an on going automatic payment for my car insurance and my card didn't have enough funds so it got declined but I payed for the first month of my Insurance witch i got but the time that the card didn't go through they cut my Insurance but they still wanted to get paid? How do you charge me if I don't get the service?
Product: Debt collection

I have been in dispute with EOS for some time now concerning my old phone bill through XXXX XXXX. I have spoken with agents there and even handwritten a letter disputing the amount owed. I spoke with EOS then XXXX who referred me back to the on the incorrect final balance owed. They told me I would gear back within 30 days of my handwritten letter but it has been over a month and no response. I've reached out to XXXX and established a new account and they consider the matter resolved. The amount in question being owed is inaccurate as well as the time when the account was open as well. This company is damaging my credit with this erroneous account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I have a mortgage with Chase, loan number for my condo in XXXX which I have been paying regularly with automated payments for over two years. Last month, I decided to get my mortgage refinanced with XXXX as the rates provided by them are lower than my rate. Chase has informed XXXX that they have lost my mortgage note and hence are stonewalling my efforts to refinance my mortgage with their competitor. This is an outrage as it prevents the customer from getting the best deal possible from a competing institution. I need a remedy and assistance in resolving this matter as it is preventing me from achieving significant savings.