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

Sometime in XX/XX/2021, we contracted freedom debt relief. We placed XXXX in debt with them they have negotiated 9 accounts with anywhere between 36 and 48 months they have paid out to my creditors XXXX but have taken in fees over XXXX. In XXXX I was asked by an attorney that freedom debt relief chose for me to put XXXX in the account to settle a legal account. After speaking to my wife we borrowed the XXXX and placed it in the dedicated account on XX/XX/XXXX but the money did not clear the bank until XX/XX/XXXX. Freedom debt relief then proceeds to debit the account for XXXX and does not take care of the legal account. my case number is XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
Product: Debt collection

The previous dispute was closed without any attempted action whatsoever. I'm not seeking a contact from the company I'm seeking resolution. 
This medical debt was not properly charged to the insurance and should not have been sent to collections. The hospital made a billing error, sent that to collections, and sent it to the wrong address. UCB has continuously lied about their contact efforts having never called me and never made an attempt to collect this debt. When they placed it on my credit report I contacted them to make a payment arrangement only to be told I must pay the entire balance or don't even bother paying. At the time of the hospitalization I had dual insurance companies- Friday ( XXXX ) and XXXX. Friday had a fully met deductible and covered hospital stays at XXXX XXXX The hospital -only- billed XXXX for this. By the time UCB attempted to collect this, the time period from Friday had waited so long the hospital could no longer attempt to charge it. This is a billing error.
Product: Credit card

I've consistently made timely payments on this account, avoiding any overdue charges. I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported by Early Warning Services regarding XXXX  XXXX XXXX XXXX, which has been included in my consumer report. 

On XX/XX/year>, I submitted a letter to Early Warning Services, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from Early Warning Services stating that I had previously disputed this record under EWS Case # XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX  and that the dispute had been forwarded to XXXX  XXXX XXXX for reinvestigation. According to your response, Early Warning Services notified me of the results of this reinvestigation on XX/XX/XXXX and XX/XX/year> I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how Early Warning Services determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 
Furthermore, I sent a letter directly to XXXX  XXXX XXXX on XX/XX/year> requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 
To clarify, if Early Warning Services and XXXX  XXXX XXXX do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 
Violations of the FCRA : 1. Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. Early Warning Services allowed negative information to be reported without providing this validation. 
2. Failure to Validate Debt : XXXX  XXXX XXXX failed to provide the requested debt validation, which is required under federal law. 
3. Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file. 
Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ) Under the FCRA, you are required to notify me of the results of your investigation within XXXX days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXXFailure to Block Fraudulent Information ( 15 U.S.C. XXXX ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : XXXX.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. XXXX and XXXX. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX
Product: Checking or savings account

I discovered that my Chase checking account was fraudulently charged twice on XX/XX/XXXX for {$110.00} each. I filed a claim with Chase Bank on XX/XX/XXXX. On XX/XX/XXXX, Chase rejected my claim, stating that I could not prove the charges were fraudulent. These charges were made in XXXX, and I have not left the United States during this period. I believe the Chase staff handled this matter very unprofessionally, which resulted in my financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX  account # has violated my rights. 
15 U.S. C 1681 Section 602A 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 an account without my written Consent.
Product: Credit card

At XXXX am on XX/XX/year> received a call waking me up.The caller ID said Synchrony Bank ( XXXX ). Once I was fully awake I called the number back a recorded message said Account On-line Support, no bank name. I continued listening and the recorded message stated to enter my full account number or full Socal Security number. I of course hung up. I googled the number & it came up XXXX. I do have an account with Synchrony Bank for my XXXX account & XXXX 's account. The phone numbers on the back of the card has a totally different phone number. I also have an account for XXXX credit card with XXXX. I called the number for XXXX and they wanted the last XXXX digits of my social security number and after talking to the machine, transferred me to the department that could help me. That department was not open yet. I did check my accounts and I do not see any activity that was not mine. But I am sure, there are people that will give the information ( full SSN or full account number ).
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. 

Account Name : XXXX XXXX Account Number : XXXX {$630.00} Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Checking or savings account

I have an account  with Capital one Business Spark.  My account #  XXXX , #  XXXX . I have been receiving funds through the account. O n   XXXX   XXXX    ,2017    I tried to access my account and I could n't log on. I called  Capital one  Bank and spoke with  XXXX  in security department @  XXXX  and he stated they decided to close my accounts and not do business with me moving forward and that the funds in the account will be held for investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The person who stole my identity is XXXX XXXX and she goes by other aliases. https : XXXX XXXX XXXX XXXX XXXX best friend / roommate / business partner stole my information before she moved out to live with this woman. They drained my bank account over $ XXXX. XXXX gave me a credit then reversed it and has refused to help me recover the funds. This woman also opened credit cards in my name. After everything was disputed I closed the account. One month later chase reversed the debt and wants me to pay over XXXX. The debt is now on my credit as XXXX, XXXX, XXXX, XXXX, and over 120 days late. I have called many times to dispute, they are no help. I submitted a dispute form. XXXX lost it. I submitted another dispute form and it magically disappeared again ( my guess was XXXX wanted to buy time to charge me interest and make my account more late ) I again for the third time submitted another dispute form and chase lost it again! An electronic dispute form. They informed me I needed to go in person to the bank even though I explained I was living on a mountain not near any banks. One month later I was able to go into a bank in person to submit a paper dispute form with the help of a teller. XXXX LOST THIS DISPUTE FORM. I had a picture and the employees name and they refused to accept it and insisted I needed to go in person to submit another paper dispute form. I go in person to submit my XXXX dispute form over the course of several months. XXXX lost it again. When I finally submitted my XXXX dispute form in person they rejected my dispute without reason. I requested for them to reopen the case and they refused and said I needed to pay the debt and they could not help me recover the funds. I provided my police report also ( the police refused to help because identity theft is a nonviolent crime ) I requested proof the debt was me and an itemized list of debt per section XXXX over the phone on two different occasions and XXXX refused to provide me the information and says they are not bound by section XXXX. I am trying to find a lawyer I dont know how to fight this big corporation to get my money back- I feel so helpless.
Product: Vehicle loan or lease

My car payment on XX/XX/XXXX and XX/XX/XXXX, were sent by my bank to Nissan XXXX XXXX rather than Nissan Motor Acceptance Corp. When I was contacted by Nissan Motor Acceptance Corp of the problem, I made a double payment over the phone. Now neither Nissan XXXX XXXX or Nissan Motor Acceptance Corp can tell me where my two vehicle payments are. Neither is willing to work with me or do an investigation to return my money. The two check numbers from the credit union is check # XXXX, XX/XX/XXXX and check # XXXX, XX/XX/XXXX. I have contacted both entities several times, ask customer service to transfer me and remain on the line so I could speak to both at the same time. Each time they would eventually disconnect. your assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 4 business days after the date of receipt.
Product: Credit card

I recently applied for a Chase SLATE card : XXXX, for the purpose of a balance transfer from another card. I was approved and received my card, and with it came a letter saying that while the card was approved and active, my balance transfer was rejected because they do n't do transfers from Chase accounts to another Chase account. This was nowhere in the description on the above link, nor is it in the Offer Details. The only place this information appears is if you click through to pricing and terms : XXXX. This is absurd. A lot of people have Chase cards, so this is a major limitation, and yet it 's hidden in the terms and not mentioned upfront. I also am upset that when applying, I put in the account information that I wanted to transfer a balance from, it did n't alert me that a Chase account would be rejected. If it had, I would n't have applied for the card. Now I have a card I am not going to use, that will hurt my credit to cancel.
Product: Credit card or prepaid card

On or about XX/XX/2018, my XXXX XXXX XXXX was charged for a purchase of {$160.00} in a XXXX, Florida. I am an XXXX XXXX servicemember, currently stationed at XXXX XXXX XXXX ; I am a resident of South Carolina ; and I have never been to Florida. I contacted XXXX XXXX XXXX on or about XXXX XX/XX/2018 at XXXX XXXX, by phone. I informed them of the incorrect charge and I was informed that I would have to address the charges civily with the individual who made them. The reference number for the charge is : XXXX. I originally applied for a XXXX XXXX in XX/XX/2018, but I have never received the credit card.
Product: Checking or savings account

Received emails indicating that an account in my name was using new login info, changed the account phone number and address on an account I never opened.
Product: Mortgage

I'm days to close on a mortgage and everything ( documents ) on the painful process has been complete ; we are in the final stage to close, and the lender is not accepting my funds to close, arguing that my money may be a XXXX  or XXXX  source because I have deposited XXXX cash from my safe in order to have enough money, because of this, the lender is requiring a gift letter from someone else to justified my funds. As a result, I'm loosing around {$2000.00} which I invested already on the appraisal, survey, inspection and {$1000.00} tittle deposit. 
I can prove that the funds available in my bank accounts are clean money coming from my two jobs and my retirement deposits, and NOT XXXX money from XXXX  or XXXX  money as they suggested. I have refused to close with the demands of the lender not accepting my personal funds and asking me to get a gift letter. In addition, the lender refuse to provide a final closing statement until I don't provide the gift letter. 
My name is XXXX XXXX, and my phone number is XXXX XXXX. 
Thank you for your attention in this matter.
Product: Debt collection

These items are the result of identity theft, and I have never authorized or opened these accounts. Under the FCRA, credit reporting agencies must ensure that all information they report is accurate and verifiable. Because these accounts resulted from a data brFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : As a victim of identity theft, I have the right to block fraudulent information from my credit report.

The FCRA requires credit bureaus to investigate and remove any disputed information that can not be verified.

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) : Data furnishers must ensure the accuracy of reported information and remove fraudulent accounts upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$190.00} XXXX {$310.00} XXXX {$420.00} XXXX XXXX {$530.00} XXXX {$610.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$3200.00}
Product: Credit card

On XX/XX/2024 I went to look at some furniture at XXXX XXXX. The agent that was showing us the furniture told us they could check how much would they be able to finance me and how much our monthly payments would look like. They got my information and we kept browsing the store when they called me over because one of the credit companies needed to talk to me. I got on their phone and the lady on the phone told me they couldn't look at how much I was approved for because I had a freeze on my credit and to go ahead and unfreeze my credit from one of the credit bureaus so she could go ahead and process the application. After letting her know that I had lifted my freeze from XXXX she asked me to confirm my name, the last four numbers of my social, and my address. She then told me I was approved and that my new card would come in the email in the next 7 to 10 business days. I look at the furniture store lady and tell her the lady on the phone is telling me I am getting a new credit card. She takes the phone away and begins talking to the lady on the phone and tells the lady on the phone I must have misunderstood her. They exchanged some code or number she had on her computer screen and desk. Then the lady at the store handed me the phone back because she needed a number that could only be given to me. I start to write this number on a sticky note, but the furniture lady hears me and is already typing it on her computer. The lady on the phone then tells me thank you, your card will arrive in 7 to 10 days and we hang up. The lady at the furniture store then tells the other agent assisting us that I was approved for {$5200.00}. After leaving the store without purchasing anything, I called the company I heard the furniture people mention during our interaction : Synchrony. Turns out a credit card was opened and I told them I didn't realize I was opening a new credit card. However, they told me the only way to not get the credit card was to cancel the card. When I asked if this would be reported to the credit bureau, they told me they wouldn't be able to tell me this information and that they would go ahead and transfer me to confirm my delivery address.