23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, an on-line bill pay service of XXXX XXXX XXXX XXXX is engaging in Identity theft of my SSN by sharing my Privacy protected information with XXXX and XXXX of XXXX, Ohio a third party which is also illegally using my social security number on their correspondence without my permission. I have reported both XXXX and XXXX and Creed to the FTC government website and was referred to this site by the Fair Trade commission. In addition, I have placed a 90 day fraud alert with XXXX, XXXX and XXXX. 

And since I am XXXX and XXXX identity theft insurance that was given all XXXX employees affected by the OPM hacking, I will be reporting the stolen SSN information by Joseph, Mann and Creed to those companies too. 

If there is a way to report this to the Attorney General of CA and Ohio and sue both XXXX and XXXX for unauthorized stealing and sharing of my SSN I will be exploring that as well. 

I hope the CFPB will reprimand both XXXX and Joseph, Mann and Creed- maybe all the employees and management of both those companies need to have their SSN information stolen by another third party so they can know what this feels like.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. I demand an immediate investigation and removal of the following disputed item : Account Number : XXXX Reported by : XXXX XXXX  This information is inaccurate, incomplete, and unverifiable for the following reasons : 1. FAILURE TO VALIDATE DEBT : The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I sent a written request for validation, and the debt collector has not provided sufficient documentation to substantiate their claim.

2. DISPUTE WITH ORIGINAL CREDITOR : This account is currently in dispute with th
e original creditor. Under the Fair Credit Reporting Act ( FCRA ), disputed information can not be reported as accurate.

3. INACCURATE REPORTING : The balance, dates, and account status being reported are inaccurate and do not reflect the true nature of this account.

4. LACK OF STANDING : The debt collector lacks proper standing to report this information, as they have not provided evidence of their right to collect on this debt. LEGAL NOTICE : Under the FCRA, 15 U.S.C. 1681i ( a ), you
are required to conduct a reasonable investigation into this dispute within 30 days. This investigation must include : 1. Contacting the furnisher ( debt collector ) to verify the accuracy of the reported information.

2. Reviewing all information and documentation I have provided with this dispute.

3. Considering the specific points of dispute I have raised.

If you can not verify this information as 100 % accurate within 30 days, you are required by federal law to promptly delete it from my credit report. DEMAND FOR ACTION : 1. Conduct a thorough investig
ation of this disputed item.

2. Remove the disputed information from my credit report if it can not be fully verified.

3. Provide me with a description of your investigation procedure.

4. Furnish me with the name, address, and telephone number of the source of this information.

5. Send an updated copy of my credit report showing the results of your investigation.

NOTICE OF INTENT : Be advised that failure to comply with this dispute may constitute a violation of the FCRA. If this disputed information is not removed or corrected within the statutory 30-day period, I intend to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Pursue legal action against your company for violations of the FCRA, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney 's fees. 
This letter serves as my formal notice of dispute under the FCRA. I expect a prompt and thorough investigation of this matter.
Product: Credit card

On XX/XX/year>, XXXX made a shipment for me, and they billed me for this for {$420.00}. That shipment was shipped late, one of the items valued at over {$700.00} never arrived. Once of the items was damaged, and XXXX charged me over XXXX TIMES what was agreed upon for this shipment. I attempted to file a claim with XXXX but they've ignored my messages and have never returned any of my messages. 

I filed a dispute with Comenity for this shipping fee that appears on my credit card, since that was about all I could do. I filed the dispute since they charged me for shipping fees... for double the amount that was requested and because part of the order is missing. Comenity automatically just denies all billing dispute, which I think is both unethical and illegal. They're now saying that the merchandise was delivered, so the charge is valid. Again, they charged me double what was agreed upon, and I am missing over {$700.00} of the merchandise. I did NOT get the services that I was charged for, it's as simple as that. Comenity makes it nearly impossible to file billing disputes, I had to file this one three different times. And again, automatically denying these disputes should definately not be allowed.
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX Ive received a notification regarding a new hard inquiry has been added to my credit the financial is called prestige financial Ive never gone through them before and never heard of them before.
Product: Debt collection

We have paid already to XXXX  XXXX  a debt collector FROM CAPITAL ONE. I attached proof of payemtn with letter from XXXX  XXXX. 

Can you take it off my credir reportp please.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Myself XXXX XXXX and my company name is - XXXX XXXX XXXX XXXX XXXX 

Account holder : XXXX XXXX XXXX XXXX XXXX XXXX and Wire routing number : XXXX, Account number : XXXX with wise.com My account has been deactivated. I have been waiting for the remaining funds for the last 2 months but amount not received yet. 

Thanks Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiry from LENTEGRITY on XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024 & LENTEGRITY LLC/XXXX  XXXX XX/XX/2024 Needs to be deleted from my consumer report immediately. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my report. It is my understanding that you will verify these items with the relevant creditor. If the creditor can not verify the information, please remove it. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I kindly ask that you send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has accessed my credit report in the past six months of any corrections made. 
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX 's # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX has violated my rights.

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

15 U.S.C.1681 Section 602 A, Section 2 ; it also States a consumer reporting agency CAN NOT furnish an account with information without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$120.00} XXXX  XXXX Balance : {$120.00}
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 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 has violated my rights. Or a 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: Money transfer, virtual currency, or money service

The day XX/XX/XXXX I trasnfered XXXX dollars to a person that used phishing and identity theaft trough XXXX  and XXXX, and I need to get the money back, I called CITI bank to get my money back and they said it is not possible
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my ChexSystems record. This is pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws, which mandate that any information reported about me must be 100 % accurate, verifiable, and fair. 
According to the enclosed police report ( Case No. XXXX, issued by XXXX XXXX XXXX / XXXX / XXXX | XXXX Police XXXX XXXX XXXX ), my phone was lost in XXXX. During this period, an unknown individual used my banking app to attempt to cash a fraudulent check for {$2200.00}. The fraudulent activity was flagged, and the funds were never deposited. However, my account was closed, and this matter has led to an unwarranted flag on my banking history, which has severely impacted my ability to access essential financial services, such as mobile check deposits. 
This inaccurate reporting is a violation of my rights as a consumer. The FCRA requires ChexSystems to ensure that all data it maintains is accurate and reflects a complete and truthful record. Since the fraudulent activity was flagged and not caused by my actions, maintaining this adverse record on my file is unjustified.
Product: Credit reporting or other personal consumer reports

The credit agency has willfully violated my rights under the Fair Credit Reporting Act ( FCRA ) by unlawfully reinserting inaccurate and unverifiable items into my credit report without proper notification as required by 15 USC 1681i ( a ) ( 5 ) ( B ). These violations have caused significant damage to my credit profile, including a drastic drop in my credit score, leaving it lower than before the insertion. This blatant disregard for compliance constitutes a serious breach of 15 USC 1681e ( b ) for failing to maintain accuracy in reporting and further violates my privacy under 15 USC 1681b. 

Your negligent and erroneous reporting has caused statutory damages, severe harm to my financial reputation, and hindered my ability to achieve future goals. Additionally, these actions are deceptive and violate FDCPA 15 USC 1692e for misrepresentation and CBA standards, further escalating the harm caused. 

I demand immediate correction of all false and damaging information, statutory damages for the harm caused, and a formal acknowledgment of your violations. Failure to act promptly will result in further legal action to seek remedies for these violations, including additional penalties for the inconvenience and harm caused to my financial future. 


Experian know exactly what items there were because it was deleted. 

XXXX. XXXX credit card ( Multiple accounts ) I only had one 2. XXXX XXXX ( XXXX XXXX ) XXXX. XXXX ( Violating IRS guidelines/delete immediately ) XXXX. XXXX XXXX ( reporting inaccurate billing information/ account has fraudulent charges on the account. Please update the account immediately and the creditor didn't contact me or advise me whats going on with the credit card due to me not knowing whats going on. The company closed the account. )
Product: Checking or savings account

On XX/XX/XXXX I called Commerce Bank regarding their attached promotion, Check300, '' Get up to {$300.00} for opening a CommerceRelationship Checking account + a Money Market account1. '', and asked their representative if I could open the Checking account online and receive the bonus, and she asked me what state I lived in and told me that if I opened it by XX/XX/XXXX, I would receive {$200.00} as long as my account was in good standing for 90 days after opening, but if I wanted the {$300.00} bonus I would also need to open a Money Market Account in the Branch. I told her there wasn't a Branch close by, and I was only interested in opening the checking account, and asked her if there was any fees to the checking account, and she said there is a $ XXXX monthly fee that is waived if you have {$5000.00} avg. daily balance. I then opened the account, and called in after 90 days asked why my {$200.00} bonus had not been received, and the representative asked my account number and after checking I was told that the {$200.00} would not be deposited until after 3 full statement cycles. On XX/XX/XXXX, I still had not received the Bonus and called back again, and spoke with XXXX  who verified me and said she would check with those responsible for the Bonus and call me back tomorrow. Not receiving the promised call, I called back on XX/XX/XXXX, and was told that they did not get a response to the email that was sent to the Bonus dept. and they would check with them and call me back tomorrow. Not receiving the promised call, I called back onXX/XX/XXXX, and asked for a Supervisor and spoke with XXXX  who asked me in detail about the online bonus offer I accepted and apologized, gave me her phone # XXXX, and said she would make sure she had an answer for me if I could wait until XX/XX/XXXX, and she would call me early. She called, and said the Bonus Dept. wanted to know if I got a personal letter or email invite for the Bonus offer, and I told XXXX   that as I previously told her I called in regarding the online offer, and confirmed that I was receive it. She said she would get back to me tomorrow. I did not hear from XXXX  and put a call to her Voicemail yesterday, and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom mortgage is the institution who is responsible for our loan. y nXX/XX/XXXX we summited our payment thru their online services as we did every month. We received a confirmation number that the payment was process correctly like we do every month. On XX/XX/XXXX ( approximately ) we received a letter from them that they never received the payment, when I logged in to my account I find out that they where correct. They express to me that the payment got reverse because an error on the routing number I told them how is that possible if in the past we have entered the wrong routing number and the system will give you an error in the page. After giving us poor excuses I told them that I logged in and the payment showed as reversed but that we do have a problem with making the payment. We proceed to make the payment over the phone they offer to remove any late fee and charges without us even asking because they understood their was an error on their end. On the XX/XX/XXXXwe received a credit alert from 2 of the monitoring company that we use that we missed a payment we got the letter on the XX/XX/XXXX and we call the same day and made the payment. We reach out to Freedom Mortgage on the XX/XX/XXXXand explain again the situation first they couldn't open an investigation because they couldn't find my account number we gave them names on the loan, address, a correct phone because they had a wrong one also provided them the loan. After that they emailed us back on because they said that they needed more information we send picture of their website showing them what kind of error their system will give you when the account or routing number doesn't match. After that they requested proof that the money was there when the transaction was made, we send that information proving that there was more than enough then they send us another letter on XX/XX/XXXX that they were unable to honer our request.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account XXXX Creditor : XX/XX/XXXX Date of Late Payment : XX/XX/year> Account XXXX Creditor : XXXXXX/XX/XXXX Date of Late Payment : XXXX Upon reviewing my credit report, I noticed that these accounts are reported with late payments that I believe to be inaccurate. 

XXXX an investigation into the accuracy of these late payment entries. 
Provide a written update on the status of the investigation and any changes made to my credit report. 
I would appreciate it if you could expedite this process, as accurate credit reporting is crucial for my financial well-being. Enclosed with this letter are copies of all relevant documents for your review. Please let me know if any additional information or documentation is required.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Prepaid card

About 3 months ago my XXXX XXXX XXXX son purchased a netspend prepaid card from XXXX on the corner of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX . He spent {$2.00} for the purchase of the card and put {$15.00} on it. I tried to help him activate it and it was an issue regarding the activation. So I contacted Netspend 's customer service and I needed to provide answer for questions in order to view his account. Long story short, he never even registered the card and they claim it's answers to confirm in order for him to get info about his account. That's one thing, he never even registered or activated the card. So I asked the rep how old do you have to be to purchase a netspend card. He told me XXXX XXXX XXXX. XXXX  XXXX he's only XXXX. So I wanted to speak to a supervisor because he claim I would need to get wirh XXXX about them selling him this card as a XXXX. I feel netspend should have more security measures in place if minors can purchase these cards. Both of them should be held accountable for this action and that's why I'm filing this complaint. Now my son is out of his {$15.00} plus {$2.00}. He needs to get his money returned to him and both businesses need to be held accountable for selling to minors if the required age to purchase it is XXXX XXXX XXXX.
Product: Debt collection

Myself, my daughter in law and my husband received a call from an attorney service saying they were taking me to court for a debt in 2002. I have not received paperwork at all for this even though they stated my correct address. Spoke with my attorney who said they have to mail me the information by Colorados Fair Collection Act. Emailed them this information and attempted to call twice but they hung up on me. They threatened to put a lien on my property, and would not give me a court date.