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

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages  that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that   you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify aft er two written requests is also evidence of your willful disregard of Federal Law. When  we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the  Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can no t be verified. I request that you do this immediately. The law is very clear as to the civil liability and the remedy available to me  ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an  updated and corrected credit report showing that these items have been deleted.   Name of Account :  XXXX   XXXX   XXXX   XXXX  :   XXXX   XXXX   XXXX   XXXX   XXXX  Account Number :  XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I submit this written dispute to request Blocking of inaccuracies on my XXXX credit report resulting from identity theft. hard inquires from 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
Product: Payday loan, title loan, or personal loan

wanted service xancelled, They ref8sed to deactivate account they lied and said it was when it wasnt
Product: Checking or savings account

On XX/XX/XXXX I opened a chase checking account and mobile deposited a {$1800.00} check from Texas Rent Relief Program. On the XXXX of XXXX I opened another checking account and deposited a second check from TRRP for {$4500.00}. I opened two accounts because each account has a XXXX limit on mobile deposits. I had no problems with the {$1800.00} check as they made it available once cleared. 
On the XXXX of XXXX they have restricted the account with the {$4500.00} check due to suspicious activity. The check has cleared and is no doubt good. They said they need to verify the check. I've had 3way calls 2 separate times with chase and someone from TRRP to help verify this and they still have my account frozen. Not only the XXXX one but now they froze the other account too. I have no access to funds. The last thing a chase employee told me was there was nothing I can do about it. Amd no one can help me.
Product: Checking or savings account

I attempted to transfer money from my Chase Savings to Chase checkingnot realizing O was attempting to transfer from an external account. Not seeing anything happening I did this 2 additional times. I called and explained the error and they initially took car of the issue. However a few days later theyve restricted my account and will be closing it. The issue I have is theyve blocked my access to MY MONEY. I have no way to feed myself or survive f2-3 weeks until they decide to release MY funds. They say no one is able to do anything.
Product: Consumer Loan

Ally Auto Financial called my cell and house phone numerous times after XXXX. I have asked them to stop but it has continued. Also when they call during regular business hours its a robocall and no one picks up the phone so I get multiple calls a day with nobody picking up the phone which is disruptive and bothersome.
Product: Credit reporting or other personal consumer reports

This is regarding XXXX XXXX  Account XXXX XXXX date {$2400.00} Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files ; failing to prevent the improper reinsertion of previously deleted information from consumer files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded.that Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( 1 ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( 2 ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server.
Product: Mortgage

My Mortgage Loan was taken over by Nationstar Mortgage XX/XX/XXXX and I received a welcome letter from them. They have been accepting my payments since then. I am in process of changing my property from personal property to real property and need the Lein Holder to sign form XXXX Affidavit for removal of manufactured home from vehicle registration files. I spoke with customer service XX/XX/XXXX to get fax number and was told once faxed would take about 48 hours. I faxed form that I had notarized to Nationstar on XX/XX/XXXX. Called XX/XX/XXXX to see if was received and was advised to call back next day. I have called several times since then, asked for Supervisor which I worked with XXXX XXXX who talked with Research Department only to tell me they ca n't sign from due to XXXX has n't signed a released on my Mortgage yet. They then got XXXX on phone who stated files were turned over to Nationstar. I 've asked several times why Nationstar is taking my payments if they are not the lein holders and why I was sent a welcome letter, but keep getting told they will call back when they get an answer from upper management. It 's not XX/XX/XXXX and neither Nationstar nor XXXX has returned my call. When I call in and ask for the supervisor 's that I spoke with in pass. XXXX and another named XXXX I keep getting told they are on a call and XXXX will call me when she finishes call ... still no call back. Nationstar is located in XXXX, I live in XXXX ... I pay my payments on time every month. Please help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing because I have an inquiry on my credit report from " XXXX XXXX XXXX XXXX '' that should never have been posted on my credit. I spoke with customer service representatives from both comenity bank and XXXX  XXXX credit card division and both gave me to run around and sent me back and fourth to each company. No one would help me. I explained that this card should never have been opened in the first place. After i checked my credit report and discovered the new inquiry, i immediately called the appropriate parties and had to account closed which included the credit card. 

Date inquiry was added : XX/XX/2017 Companies involved : XXXX XXXX & XXXX credit card department.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a letter was sent from XXXX that the investigation was underway and I would receive a response. 
On XX/XX/XXXX, a letter was sent with an enclosed check for {$120.00}, dated the XXXX. The letter stated a separate response will be mailed detailing this regarding the credit card that has been closed. 
I contacted the listed person, XXXX XXXX for clarification and left a voicemail XX/XX/17. 
This can not be the amount to suffice a credit card opened for {$1500.00}. I was to receive my refund once the full {$140.00} was paid. Instead, it was closed and the money has still not been returned. 
In addition, this information is still reporting inaccurately on my XXXX and TransUnion reports.
Product: Debt collection

I received an email from a company called XXXX. According to their email their contact information is XXXX, phone number XXXX and their mailing adddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ks XXXX. They emailed my email address which is XXXX with information about my sister XXXX XXXX owing a debt to LVNV funding LLC with the amount owed of XXXX. This is a violation of the FDCPA, not only did they send this information to the wrong party, they disclosed amounts and dates of the debt, possibly to try and embarass my sister.
Product: Money transfer, virtual currency, or money service

Western Union sent me a promotion offering {$20.00} for making a transfer. The promotion did state that the number of {$20.00} awards was limited. Several months after I made the transfer, the {$20.00} still had not arrived. I called WU several times, and each time I was given false statements and other speculations. One time I was told that the promotion was not for existing customers, and another time I was told that my promotional email was fake. After I pressed further, the reps admitted that what they initially said was not true, and promised to fix the issue. Another time I was told that all the available promotions had already been given away. This appeared to me to be a random speculation just to end the phone call. I asked on what date the {$20.00} promotions had been used up, and the rep refused to tell me, but promised that someone would call back to tell me. ( No one has. ) I only made the transfer with WU because of this promotion, and WU seems determined to not honor it.
Product: Debt collection

I am writing to file a formal complaint regarding the garnishment of my bank account by XXXX XXXX XXXX Portfolio Recoveries Associates LLC for a debt that I believe is time-barred under the statute of limitations in my state. 

XXXX XXXX Portfolio Recoveries Associates Formerly XXXX XXXX {$10000.00} XXXX XXXX The debt in question is over 20 years old, and as such, I believe it should no longer be enforceable under the statute of limitations. I do not believe I owe this amount. The debt appears to be past the legal time frame for collection, and I was not provided proper notification that would allow for the garnishment of my account. 

I am requesting that the Consumer Financial Protection Bureau assist in addressing this matter and help ensure that any improper garnishment is reversed. Additionally, I request that an investigation be conducted into whether the debt collector violated any consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) or any applicable state laws. 

Please inform me of any steps I need to take to resolve this issue, and I would appreciate your assistance in ensuring that this matter is addressed fairly and promptly. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXX XXXX XXXX , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Transworld System Inc XXXX XXXX, PA XXXX Re : Debt Validation Request Account Number : XXXX Dear Transworld System Inc , I am writing in response to your recent communication regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation of the debt you are attempting to collect.

Please provide the following information : Proof that I owe the debt, including the original creditor 's name and address.

The amount of the debt, with a detailed breakdown of any interest, fees, or additional charges.

Verification that you are legally authorized to collect this debt.

A copy of the original agreement that demonstrates I agreed to this obligation.

Until you provide this validation, please cease all collection activities and communication related to this matter. Furthermore, refrain from reporting this debt to any credit reporting agencies or, if already reported, ensure the reporting is removed until the debt is verified.

This letter is not a refusal to pay but a request for verification of the debt. I look forward to your response within 30 days of receiving this letter. Please send all correspondence and documentation to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information was left in my wallet, which I unfortunately was pick pocket at a shopping mall. I am a victim of Identity Theft & Equifax XXXX XXXX. Despite my immediate and repeated attempts to retrieve it by contacting the mall on the same day and subsequently, my wallet was never recovered from the thieves. Upon realizing this, I decided to pull my credit report because I'm in need for a car very badly, and to my dismay, I discovered unauthorized collections accounts and hard inquiries that do not belong to me. 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 My credit report shows a collection from your agency with a balance of {$1100.00}. I was never notified of this collection. Whats more, I do not believe this debt is accurate. I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, XXXX and when I requested, they provided me with the original contract over an month ago, they did not give me one. This has been an ongoing battle for me, spanning over 3 long years. I urgently request the removal of these erroneous entries from my credit report immediately. I am currently in the process of securing a new car and a home for both myself and my XXXX daughters who I have full custody of, as we face the threat of homelessness. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Additionally, I would like to emphasize the importance of upholding the credit repair law as outlined in 15 U.S. Code 1681 and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. Your cooperation in rectifying these discrepancies is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 35 days and I have yet to receive a response. I feel I am not being taken seriously and my complaints are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Furthermore, my information may have been impacted by the Equifax data breach and gotten into the wrong person 's hands.
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 : XXXXXXXX XXXX  Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX 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 : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late. 
Bank Processing Error : There was an internal error at XXXX XXXX  that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXXXXXX XXXX acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXX XXXX immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXXXXXX XXXX as further evidence. 

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 or prepaid card

This morning I went to buy a furniture item on XXXX that cost around {$4300.00}. I added the item to my cart and went to the checkout screen. While there, I was solicited to apply for the XXXX credit card, it said I was pre-approved, and that I could take 18 months to pay for the item. Because this was a large purchase, that sounded like a good offer so I clicked through and applied for the card. After my credit was checked and my credit history dinged for a " hard pull '', it came back with me only being approved for {$2000.00} ( even  though when I later spoke to a supervisor named XXXX, he said I have great credit ), which is obviously much less than the item price in my cart ( over {$4300.00} ). I called the company that issues the XXXX XXXX, XXXX, to see why the discrepancy occurred. They couldn't explain why, but offered to apply for a limit increase. After being on hold for a while, and having my credit history dinged AGAIN for a hard pull of my credit report, the person came back and said I was approved for {$4000.00}, which is STILL less than the price of my item. 

This is very shady behavior. I'm sure the credit card company 's executives receive bonuses based on the number of new accounts opened in a given period of time. If shoppers are led to believe that they can get credit to pay for the item they are about to buy, only to soon find out that the credit limit they're approved for is far below what they'd need to actually purchase the item, that strikes me as almost-fradulent. After all, why not just hand out thousands of new accounts with small credit limits so you as a credit company executive can show a huge number of new accounts opened, regardless of the small credit limits. Perhaps less people would be approved if the credit card company looked at the actual price of the item someone was looking to purchase. Maybe it's better to have 1000 new accounts opened with a credit limit of {$200.00}, or {$500.00}, or whatever, rather than 100 new accounts opened with a credit limit of, in my case {$4300.00}, or more. I imagine that XXXX would be upset about this practice as well. After all, I imagine a lot of customers would walk away from their purchases after experiencing this kind of poor treatment. 

FYI : The supervisor at the credit card company I spoke with is named XXXX, ID number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Amount : {$1400.00}