23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent numerous request for debt validation in accordance with 15 USC 1692g. I have requested debt validation on the following dates XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which is well over the legally required 30 days you had to prove the validity of this dept to me. To date all I have received is 1 copy of a credit card statement on 3 or 4 different occasions. I have made many attempts to request the following information : 1. Full accounting for this account 2. Copy of assignment of purchase from the original creditor.

3. Every charge and what was purchased from the creditor.

4. How you calculated what you claim I owe.

5. Full chain of assignments from charge off to present.

6. Proof that you own the debt with full and clear title.

7. Proof that you were on the original contract I have also disputed with the 3 major credit bureaus as well. I have done my due diligence as a consumer and my rights continue to be violated by there disregard of my numerous request.
Product: Debt collection

Received an alert for a drop in credit score of XXXX points, in addition to a new " collection '' from XXXX XXXX XXXXMitchell D. Bluhm & Associates in the amount of {$460.00}, from Emergency Physicians of Central Florida XXXX I have NEVER done business with this company, never received ANY documentation from either company. Pursuant to 15 U.S. Code 1681c-2, this is identity theft and MUST be removed and blocked from my consumer report within 4 days. I have filed an FTC report, as required by the CRA 's. 
Correction removed, indefinitely and not to be resold or transferred or added back to my consumer reports.to ALL credit reporting agencies that company is reporting to Letter on letterhead that states the items have been Relief, monetary compensation for damages this is the ONLY collections/negative account that I have reporting. I have been denied credit due to this ERRONEOUS and Fraudulently reported information. 

Filed complaint with XXXX  : XXXX
Product: Checking or savings account

On XX/XX/year>, I received a text message indicating that my accounts were at risk of being closed and urging me to contact Chase immediately to discuss an issue with one or more of my accounts. 

Upon receiving the message, I contacted Chase without delay. However, I was informed that the process of closing my accounts had already commenced, and I was advised that Chase was not obligated to disclose the reason for the closures. Instead, I was directed to check my mail for further information. 

Subsequently, I received a letter stating, " Financial institutions have the obligation to know our customer and monitor transactions that flow through our customers ' accounts. After careful consideration, we decided to close your accounts because of unexpected activity on this or another Chase account. '' This letter, however, did not specify the nature of the alleged " unexpected activity '' or identify which account was affected. 

Following this, I consulted with my personal banker, XXXX XXXX XXXX, in an effort to understand the rationale behind this decision. XXXX XXXX reached out to the Risk Team, who indicated that the closures were due to an unspecified action that Chase found unacceptable. Despite a thorough review of my accounts with XXXX XXXX, no suspicious activity was identified that might justify the closures. 

It is deeply concerning and disheartening that after a 15-year relationship with Chase Bank , during which I have diligently maintained my accounts, I am now facing the abrupt termination of all my accounts, including business accounts and credit cards, without a clear and justified reason.
Product: Checking or savings account

XXXXXXXX XXXX opened and account and closed it the following morning without reason. No proof of the policy or reason for ending terms was presented. 

I also have an issue with Citizens bank modifying my deposits and ruining my bank History. 
XXXX XXXX XXXXXXXX didnt have records of my deposits either. 
Id electronically deposit from my second job but the funds werent available. Ultimately inaccurate reporting was done on my credit report.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Credit reporting or other personal consumer reports

I as a consumer am writing to file a formal complaint against XXXX, Equifax, and XXXX concerning inaccurate information and privacy violations on my credit reports. 

All three credit reporting agencies, XXXX, XXXX, and Equifax, have reported inaccurate debt collection information ( XXXX XXXX XXXX ) on my credit reports, damaging my creditworthiness and violating my rights under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

The inaccurate reporting constitutes a violation of my privacy rights under the Privacy Act of XXXX  ( 5 U.S. Code 552a ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 

The account clearly reports inaccurate open dates, last reported dates, and last active dates between ( XXXX, XXXX, Equifax ). 

The credit reporting agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit reports, as required by 15 U.S. Code 1681e- Compliance Procedures.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Lastly, XXXX XXXX XXXX is a collection agency. The account reported is an inaccurate collection/chargeoff account, which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, and income does not get reported to a consumer report. 


I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies on my credit reports, ensure compliance with relevant laws, and protect my consumer rights. I have attached supporting documentation, including evidence of the inaccurate debt collection information. 

I demand XXXX XXXX XXXX, account # XXXX to be deleted. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in upholding consumer rights.
Product: Debt collection

There was a net credit account on my credit report from XXXX. This was from a divorce and was resolved and the balance was roughly XXXX. In XX/XX/XXXX, I had a new account added to my credit for {$2700.00} for XXXX XXXX for net credit. This account is not mine and is for a completely different amount from the previous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed with Experian on line dispute of a fraudulent account on my credit report. The fraudulent account was XXXX. This credit account was opened with my stolen social security number and dob. I received back a dispute results dated XX/XX/2019, report # XXXX stating the information was accurate. I then requested they block said information and on XX/XX/2019 they sent a letter requesting additional identification of myself. I then responded with all documentation which included Copies of the following : SS card, drivers license, their letter requesting said information, copy of request to block unauthorized charges, police report, FTC report, Experian credit report. I then received a letter from XXXX XXXX  dated XX/XX/2019 that they had notified all credit reporting agencies to remove this account from my credit bureau report. That I was not responsible. I also made a copy of the letter and mailed to Experian and attempted to upload the letter per their upload site but there site does not work. The other two credit reporting agencies have deleted the information from my credit report and have provided in writing they have done so. All credit reporting agencies were provided the same information to support this is a fraudulent account, and verified by XXXX XXXX  investigation this was a fraudulent account on my credit report. Experian is the only credit reporting agency refusing to remove this Identity theft from my credit report.
Product: Bank account or service

My parents opened an IRA with Wells Fargo for me for the tax year XX/XX/XXXX in XXXX. It was opened with my Social Security # but since I was in college at the time, moving frequently, my parents had the statements mailed to their house. A few years later my parents moved to XXXX and continued to have the statements mailed to them. A few months ago I was looking through documents my parents had given me years ago and found a statement from XX/XX/XXXX and wondered what the value of it was. I called Wells Fargo - they have no record of that account number and know nothing about it. I 've called their general XXXX # ; their South Dakota headquarters, several depts and even the branch in XXXX, XXXX where it was opened. Wells suggests that because there was no activity ( e.g. contributions ) on the account that they would have sent a notice asking for contact from the customer and if they did n't receive a reply they would have escheated it to the state where it was first opened. They also note that since it 's been more than 7 years they are not required to keep records and is why they are n't able to find the account number or any activity on it. 
I have called the XXXX State Treasury 's Unclaimed Property - they do not have any record of it. The XXXX State Treasury indicates that they believe that unclaimed property will follow the individual 's Social Security # and since I now live in XXXX, WA it may be here. I called the WA State Treasury. Their unclaimed property dept has no record of it. WA State Treasury believes that unclaimed property would have been sent to the state that the bank last had record of for the customer. In this case that would be XXXX. I called the XXXX State Treasury, and again - they have no record of it either. 
My mother is meticulous about keeping records - she does not ever recall receiving a notification from Wells Fargo that there was no activity on the account and it was going to be escheated. Both my parents and myself had assumed that an IRA is not something that needed to be kept " active '' - we were under the assumption that it is a retirement account, meant to be left alone until ready to draw on the funds in retirement. I am far from retirement. Your help with this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Equifax, XXXX and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( XXXX & Equifax ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my Equifax credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my Equifax. Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX GA- I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and XXXX. However they sneaked back later and put this on my Equifax credit report. It must be deleted because it caused me to get turned down for credit card offers.
Product: Credit card or prepaid card

I received several notifications from XXXX informing me that XXXX XXXX   has taken back several payments from them from fraudulent purchases made on the XXXX store card ... now XXXX is informing me if I dont pay for those purchases my account will be closed whats even more annoying they decided to wait until they received my XXXX XXXX payment to all of a sudden to make this decision .... I have submitted my police reports with all the credit agencies and the agencies have then reported the information to all creditors ...
Product: Credit card or prepaid card

On XX/XX/2021 I tried to pay my Capital One secured credit card using the app. I have tried to make my payments be auto paid but for whatever reason the payment keeps getting returned. On the XXXX they pulled the money out of my checking account but Ive tried to keep my payments to come out of my debit card. When they tried taking the money my bank returned it for insufficient funds but I had money in there so idk how that happened. Fast forward to me realizing the issue. I fixed it by paying with my debit card. Then they closed my account after taking my money. I have called to speak to someone but I just get a run around. They also closed my savings account and Im just confused as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report datedXX/XX/2019. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Mortgage

The Ditech went through a system upgrade on XXXX. I called on XXXX/XXXX/16 to ask why duplicate payments had been made as it was showing payments on XXXX/XXXX/16 & XXXX/XXXX/16. I was transferred to the tax department ( XXXX ) who told me they would investigate and get back to me within a week. No one ever did so I called back a week later and they informed me that the system upgrade ended up causing what seemed to be duplicate payments to the City Tax due XXXX/XXXX/16 but one of these payments were " ghost '' payments and they were n't disbursed or taken out of my escrow account on XXXX/XXXX/16, but the actually only payment that was disbursed by them was on XXXX/XXXX/16 which was the correct one for the XXXX tax bill. I told them I was refinancing and needed the Payoff amount to be accurate, they confirmed it was. On XXXX/XXXX/16 it again shows ANOTHER payment for the tax bill due on XXXX. I called on XXXX/XXXX/16 to ask why another duplicate payment was made. They said they made a mistake when the did the first investigation and found out I was refinancing with another company and they wanted to hurry up and make the payment and it caused a duplicate payment and disbursement. I was told they would escalate the problem and it would be refunded back to my escrow account within 3 businesses days. I called after 2 and was told to call back the next day. I called back after 3 days on XXXX and was told it 's still being investigated and to call back tomorrow. They are showing a negative balance on an escrow account that should have a surplus and the did this knowing I was refinancing and this is causing many issues on the payoff amount.
Product: Debt collection

while checking my credit report I discovered that my personal information was compromised due to a data breach involving XXXX. I've identified an unauthorized account from capital one with a balance of {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 

XXXX XXXX XXXX Late Date XXXX
Product: Credit reporting or other personal consumer reports

Avant # XXXX has failed to show proof that this account is mines. I XXXX XXXX XXXX XXXX never authorized or opened a account with Avant. This is a Violation of 15 U.S. 1692 e false or misleading representations. Under 15 U.S. 1681b permissible of consumer reports I never disclosed to give Avant permission to report to the credit Bureaus for this account is damaging my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is  XXXX   XXXX  I am filing this complaint on TransUnion they have failed to provide me with physical proof of verification of an account by the company name  XXXX   XXXX  located in  XXXX , CA. I have sent two  XXXX  letters asking that TransUnion provide physical proof of verification and all they have done is send me a updated credited report saying verified account.     I know by law that I have a right to have physical proof of how they verified this information which they have failed to do so. I have also disputed this same account with   XXXX   and  XXXX  and they could not verify the account so Im very confused as to how TransUnion has been able to verify an account  but two othe r credit reporting company 's could not. I have an updated report from  XXXX  as well as  XXXX  showing item has been deleted. I am asking that TransUnion follow the law and my right and either provide me with physical proof or delete the item from my report as should have been done months ago.     I am providing my current report from   XXXX   showing they removed the account because it could n't be verified.     Thank you  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been writing Experian asking them to remove a false entry from my credit report and they REFUSE. I was sued in XXXX due to claims I owed money. My rights were violated under FDCPA. I hired an attorney and won my case in US District Court XXXX District of NY in XXXX. Why should Experian be allowed to keep telling the world through my credit report that I still owe the money when a Federal Judge has ruled that I do not owe the money? Reporting false credit information is an FDCPA violation. Experian is violating me under FCRA.
Product: Debt collection

I received a phone call about a week ago and regards to a medical collection from choice recovery and I asked them to send me documentation so that I may dispute. I received a documentation today but on the outside of the envelope it says choice recovery which obviously makes it sound like it is from a collection agency. This has been sitting in my mailbox for a day or two and my neighbor happen to see it and questioned if I was getting a collection notice since it said choice recovery. I was humiliated and I was embarrassed And Im wondering how many other people actually saw that I was getting a collection notice. I want to choice recovery to know that I will be contacting a lawyer if I do not hear back from them within 60 days. I feel this is a violation of the FDCPA and should be awarded {$5000.00} in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Transunion )XXXX XXXX XXXX XXXXXXXX ( XXXX ), and XXXX  # XXXX ( XXXX ), as well as 2. DEPT OF EDUCATIONXXXX  # Installment XXXX XXXX : 3. US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX has violated my rights. 

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

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