23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hi My Name XXXX XXXX I am writing to follow up on my previous dispute Understand All My Information Has Been Leaked So Its Chance Im A Victim Of Identity Fraud All My Phones In Emails Have been Hacked In Use To Fraud Me I Received Your Letter Back regarding the Capital One credit card account ( Account Number XXXX Date Opened XXXX XXXX, which I initially disputed In XX/XX/year> I have not received a satisfactory response or the appropriate documentation verifying this accounts accuracy in accordance with **Section 605B**, **Section 615 ( f ) **, and **Section 623 ( a ) ( 6 ) ** of the Fair Credit Reporting Act ( FCRA ).

As previously mentioned, the FCRA requires that any reported negative information must be thoroughly validated by the creditor. I have not received any supporting documentation, and your investigation has not provided the required validation for this account. As per **15 U.S.C. 1681c-2**, this is a clear violation of the law, and I am requesting that this account be immediately removed from my credit report. 
Please provide Debt Validation Claim 1- Please send full details list of payments on this account 2- I Wan na See The Original Signature That I Agreed To Pay This Account From This Creditor 3- has their Been Any Insurance claim Found for this creditor 4- I wan na See Chain Of Title You Guys Have to collect on this debt This is my second formal request, and I expect the investigation to be completed and the issue resolved within the 30-day time frame The Account Not Mine Please Remove If you are unable to substantiate this account, please remove it from my credit report and provide written confirmation of its removal. Failure to comply with my request will result in further actions to ensure my legal rights are upheld. I will be forced to seek legal represen
tation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services.

2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX Thank you for your attention to this matter.
Product: Debt collection

I received a letter in the mail about a debt I dont know anything about from a company by the name of Midland Credit Management . On such notice it states I owe {$960.00} for a credit card through XXXX XXXX XXXX XXXX. Ive never applied for credit through this bank or heard of such debt.
Product: Payday loan, title loan, or personal loan

First I DID NOT RECEIVE A WELCOMING LETTER FROM CONCORD! Inform delivery shows that the Concord letter was on Saturday, XX/XX/XXXX, was NEVER DELIVERED TO ME!! 
I barely receive mail through the USPS ; my neighborhood DOES NOT HAVE a regular postal person so I signed up for USPS INFORMED DELIVERY so I could see when any mail was coming. This is why I pay EVERYTHING ONLINE, because I do not get my mail timely. 

Mailing my payments could get lost, misplaced be considered late and ruin my credit which is excellent. I haven't mail a letter in almost a year and a 1/2 ; because of the poor service from USPS. 

I'm a senior on a fixed income and emergencies do happen such as the sewer backup then 3 days later the waterheater went out. I DO NOT WANT AUTOMATIC PAYMENTS WITHDRAWN FROM MY ACCOUNT BECAUSE XXXX HAPPENS THEN I HAVE CHECKS BOUNCING. 
I have applied for a loan so I may pay off Concord in full, because your company has caused me XXXX already. Also I mailed my payment on XX/XX/XXXX let 's see how timely it gets there! I had to wait in line at the post office with the Covid virus!!
Product: Mortgage

I have been trying to work out a deal with my bank to sell my house as a short sale. I hired XXXX XXXX with XXXX XXXX to help me with this. XXXX XXXX and XXXX XXXX from his team collected all the paperwork and submitted everything to the bank in the beginning of XXXX. XXXX was calling everyday and being told they could not speak to her because they had n't looked at the paperwork. They finally looked at the paperwork almost 20 days later. Now they are saying they will not accept it and that it is too close to the foreclosure date for me to do anything. I already have a signed contract of someone willing to buy my home.
Product: Credit reporting or other personal consumer reports

I filled a complaint with CFPB about Credit Karma, you requested me to give you my personal information you already have my information. Credit Karma you will not be receiving any of my personal information. Credit Karma you have been reporting on my credit without my consent, and then to make matters worse your reporting Inaccurate information violating the FCRA. I demanding you to remove all things IMMEDIATELY that are damaging my credit. 
You are in Violation of the Fair Credit Reporting Act you have 48 hrs to have Inaccurate fraudulent information Removed!
Product: Credit reporting or other personal consumer reports

I submitted a complaint with Experian Credit Bureau and I see now that the company XXXX XXXX XXXX XXXX XXXX, XXXX ) Do Not have license to collect debt in the state of Georgia. 
A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA. 

I need Engagement Lead/Canulation Specialist to call me directly. I have already submitted a complaint against the company and I want this to send over as well. The company DO NOT have license to collect in the state of Georgia. 

Please find the XXXX of XXXX XXXX where the company can only collect debt in these state. I demand that the account be DELETED Immediately or I will taken Legal action against Experian for violating my rights,
Product: Checking or savings account

We are unable to access money that is ours and have spent hours on the phone trying to resolve this. It is unacceptable that it has taken this much time and effort. The fraudulent flag is still on our account and we are unable to transfer funds or cancel it, even after being told by the CEOs office that they would resolve the problem. 
The last straw occurred today when I was told by XXXX in the CEOs Office that XXXX would call me back and that never happened. 

I am filing a formal complaint with the Consumer Financial Protection Bureau. I would like the following to occur : 1. Cancel the checking account and immediately provide us wiht a check for the account total of {$850.00}. 
2. The XXXX credit card was cancelled on XX/XX/22. However, since then an interest charge of {$15.00} has appeared. This interest is on fraudulent activity that was resolved AND occurred after the account was closed so I would like this zeroed out. 

BRIEF BACKGROUND : There was multiple fraud activity on XXXX  of our USAA accounts starting on XX/XX/22. I have detailed records and notes of all my conversations with USAA attempting to resolve this throughout XXXX. I repeatedly had to call back, speak to multiple people, and spend hours trying to get this corrected. One of the accounts remained incorrect until late XXXX the account showed {$2300.00} more than it should have. I repeatedly told USAA of the error. I didnt want to receive more money than we should. 

Finally on XX/XX/XXXX, I successfully escalated and spoke to XXXX in the CEOs office and was assured this would be resolved within a few days and someone would call me back. I spoke to XXXX and then was able to successfully close one account and the credit card that was involved in the fraud. However, one checking account STILL had an incorrect amount to our favor of {$2300.00}. She assured me that would be resolved by XX/XX/22 and someone would call me. No one did. 

The account was finally corrected on XX/XX/XXXX, as verified online. So I called USAA again on XX/XX/22. After a long time holding, I finally spoke to someone, was transferred multiple times, then finally hung up on or disconnected. I called again on XX/XX/22 and an agent transferred me to the fraud department who said they removed the fraud flag, then they transferred us to another agent who could cancel the account and provide us with our money. Then we were told repeatedly the flag wasnt removed and got transferred around again, not even to the right departments. 

I am now escalating to all involved and regulatory agencies to get this resolved. It should not be this difficult to resolve fraudulent activity and obtain access to money that is mine. I have notes XXXX pages long, have made probably 20+ calls, and have spent at least 20 hours trying to contact USAA and resolve this. I have always had the utmost respect for this company, however I will now never bank with USAA again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Reporting of Inaccurate Information by TransUnion Dear CFPB, I am writing to formally report an issue regarding TransUnion, which continues to report inaccurate information related to my XXXX account. This account was paid off in full on XX/XX/2024. Despite this, TransUnion is still reflecting this account as {$190.00} which is inaccurate reporting of this accounts status.

I am attaching documents that confirm the account has been paid off in full. Additionally, I wish to bring to your attention that TransUnion has been accessing my credit report without my written consent, which is a violation of the Fair Credit Reporting Act.

This situation is unacceptable and clearly violates my rights under the Fair Credit Reporting Act. I would appreciate your assistance in addressing this matter and ensuring that TransUnion corrects their reporting.

Thank you for your attention to this important issue. I look forward to your prompt response CFPB ACCOUNT IS PAID OFF Sincerely
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off account on my credit report. This letter serves as a direct dispute in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

The following account is inaccurately reported on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Current Balance : ( Not Reported ) Payment History : ( Not Reported ) Date Opened : XX/XX/year> Date of First Delinquency : ( not reported ) The information reported for this account is incomplete and misleading for the following reasons : The account does not show a current balance, which is required for accurate reporting. 
The payment history is missing, which fails to provide a complete picture of the account status and activity. 
In accordance with Metro 2 compliance standards, all reported accounts must include complete and accurate information. The absence of a balance and payment history violates these standards and results in an inaccurate portrayal of my creditworthiness. 

To support my dispute, I have enclosed copies of the following documents : I previously request that you conduct a thorough investigation and all information came back verified and accurate by your credit bureau I ask that the charge-off account be deleted from my credit report due to incomplete and inaccurate information. 

Please provide a written response regarding the outcome of your investigation. I expect this matter to be resolved within the XXXX-day period mandated by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent experian, XXXX, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. experian, XXXX, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that experian, XXXX, XXXX have on file for the account listed below.. It has been more than 60 days and experian, XXXX, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof experian, XXXX, XXXX must remove the accounts and billing errors listed listed below. 

XXXX. The following account is not mine and has not been verified please delete XXXX XXXX ( Original creditor : XXXX  ) Account XXXX 2.The following account is not mine and has not been verified please delete .The following account is also reporting late payments I was never late on this account XXXX XXXX Account number : XXXX I was never late on this account but you are reporting late payments on my report. 15 U.S. Code 1666 - correction of billing errors - timing of payments billing error always paid as agreed on time this is an error this account in violation. Also violating 15 U.S. Code 1681e and 15 U.S. Code 1681i- this account in violation not reporting 100 % accurate 3. Delete this inquiry The inquiry was not authorized XXXX  Date of inquiry : XXXX XXXX, XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these item, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account 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: Debt collection

Beginning at the end of XXXX, I have been trying to settle an old charge-off debt for a XXXX credit card that was charged off some time ago. Repeatedly, I have called to XXXX XXXX associates and XXXX XXXX, as well as XXXX bank. Each sends me to the other, stating that the account has been sent to the other or that it has not been entered to their office yet. I have called XXXX and XXXX repeatedly. I 'd really like to just settle this debt, but over the past month, it has proven nearly impossible. ( Note name on account is XXXX XXXX )
Product: Debt collection

Violation of the collection practices act for a debt collector to Refuse or unable to validate debt to send a validation notice or fail to respond to your verification letter. Request documentation that verifies you owe the debt, such as a copy of the original contract., Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized statements or list of the alleged charges they claim I owe.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, 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 neglected to protect consumers but allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency isn't acceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

The money in my account was frozen. I could not access my money. 
IRS accessed my account and I was given a XXXX XXXX to call. IRS said that Wells Fargo had froze my money so that the IRS can take it. This was around. XXXX 2021.
Product: Debt collection

Debt collection notice from : Cedars Business Services , LLC Claims to be representing XXXX, attempting to collect unpaid debt. 

XXXX notified claimant in XXXX of XXXX that a traffic fine had been incurred by the lessee in XXXX of XXXX. The amount was for {$130.00} which XXXX paid. At no point was the lessee provided the opportunity to contest the charges. 

XXXX sent notification to lessee in XXXX of XXXX, more than 3 months after the rental agreement ended for the vehicle. Per XXXX policy, XXXX has 90 days to notify lessee of additional charges from the last day of the contract period. 

Lessee responded to XXXX contesting charges. XXXX never responded or acknowledge receipt of correspondence. 

6 months after initial contact, now 9 months after the rental agreement had ended, XXXX passed the charges onto debt collector Cedars Business Services , LLC. 

Representative of the Lessee contacted Cedars Business Services , LLC XX/XX/XXXX to request more information and request the debt be dismissed on the basis that XXXX had in fact violated the terms of the rental agreement, voiding any money by the lessee. 

Cedars Business Services , LLC did not provide any additional information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to each of the three credit bureaus ( XXXX, XXXX, and TranUnion ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX  children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.
Product: Credit card

MATRIX CARD, CONTINENTAL FINANCE REFUSES TO HONOR THE CREDIT PROTECT AND LIKE WIFE XXXX XXXX MUST DISCARGE ENTIRE BALANCE OR BE SUED IN STATE COURT FOR MIS LEADING THE CONSUMER ETC
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX DES Child Support Enforc. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Filed a previous complaint back in XXXX, XXXX agreed to process a refund from merchandise that was returned in the amount of {$210.00} and refund of interest in the amount of {$23.00}. 
Company stated my account was credited a total of {$230.00}. So far I only see a refund of the interest charges of {$23.00} on XXXX. I have not seen a refund of the returned merchandise post as of yet, XX/XX/12. 
I am now owed another month of interest on the {$210.00} since it has not been credited to my account. 

Also I would like a breakdown of how the interest rate refund was determined. In the last 8mths since I havent received a refund of the {$210.00} the interest has fluctuated between 27 % & 30 %, at minimum the interest returned should be about {$40.00} since the mthly accrued interest was between {$4.00} - {$5.00} for 8 months. We are now headed into the 9mth without resolution.