23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Phone call on XX/XX/XXXX claimed I owed {$4900.00} on a Citibank credit account. Spoke with XXXX XXXX from XXXX prelegal investigation associates at XXXX. The main number they called from was XXXX. The employee number he gave me was his phone number XXXX. He had my address, phone number, parents address, exhusbands info, and last XXXX of my ssn and read them to me. I did not provide that information, he already had it. He threatened to put a lien on my house and take me to court. The debt also had my exhusbands name in it. I am not legally, per divorce decree, responsible for any citibank debts and I told them as such. I asked for verification in writing and he insisted I pay him now a settlement amount of {$1600.00} and then again changed to a settlement of {$1000.00}. I told him I dispute this debt and need to get verification by mail. He said I had XXXX hours to pay and I asked if that was a threat and he said no, but you have XXXX hours. I contacted citibank. They have no record of any account with my name or ssn on file. The next day I spoke with XXXX again. Asked for dates. He said it was not charges they were coming after me for but instead now he said it was breach of contract and the attorneys were angry he reoffered a settlement. The date of the supposed contract was XXXX with a write off in XXXX. I said that I disputed any charges or contracts and I wanted a copy in writing showing validation. He refused and XXXX prelegal investigation is the middle man and can't send that to me. I asked for an address to dispute, after arguing he gave me XXXX but then changed to XXXX XXXX XXXX, GA XXXX. I referred him to my attorney but he continually threatened to come after my house, subpoena me and that the judge would make me pay the total and thousands more for legal fees. I explained that I disputed these debts and contracts and that the dates he gave were belong the statue of limitations. He told me there are no statues of limitations on what they are going to sue me for. He repeated that he is the prelegal team and the attorneys were going to come after me. I referred to my attorney again and ended the call. I recorded the second call.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is totally unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Trans Union, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of 10 Billion Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!
Product: Credit reporting or other personal consumer reports

Heres the dispute letter for this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX  Account Type : Auto Loan ( Installment ) Account Number : XXXX Balance Reported : {$10000.00} ( XXXX ), {$0.00} ( Experian ), {$13000.00} ( XXXX XXXX Status : Repossession/Charge-Off Violations and Inaccuracies : XXXX. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. This account remains inaccurately reported without proper verification.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory status remains reported, violating the requirement to cease communication during the dispute process unless proper verification is provided.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting.

The balance is reported differently across credit bureaus : {$10000.00} ( XXXX ), {$0.00} ( Experian ), and {$13000.00} ( XXXX ). 
The payment status is listed as Repossession, yet Experian shows {$0.00} owed, which conflicts with XXXX and XXXX. 
Comments indicate merchandise was taken back by credit grantor, yet balances remain on two bureaus, which is misleading and inaccurate.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : According to IRS regulations, creditors must issue a Form 1099-C when {$600.00} or more of debt is canceled or forgiven. No Form 1099-C has been issued for this ac
count, raising questions about compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against Experian : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against Experian for failing to properly investigate disputes and validate debts. 
Experians reporting of this account is indicative of the systemic issues highlighted in the lawsuit, further questioning the validity and accuracy of this accounts reporting. 

Sincerely, XXXX XXXX
Product: Checking or savings account

There has not been closure to my complaint number XXXX in spite of the bank asking me to contact their executive office, which I did and my sending to them a notarised copy of instructions and signature. All this was done long before any shut downs due to Covid-19. The executive office number always goes to voice mail but never any reaction from them. The general number of the bank tries to be helpful, but all they can say is that it is being dealt with by the Executive Office. if only. Can you help and try and get closure? Before my XXXX birthday in XXXX I would like to see an end to this sorry affair. 

Thanking you
Product: Debt collection

I found out I was a victim of identity theft when I checked my credit report and saw an item in collection status. The entity is LJ Ross Associates and the charges are {$830.00}. I called the collection agency and they explained that it was for utility services ( gas ) from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  in XXXX. I have lived in XXXX XXXX since XX/XX/XXXX. I was instructed by a representative of LJ Ross Associates to file a complaint at IdentityTheft.gov and a police report in XXXX XXXX and to provide evidence of being a resident of XXXX XXXX during XXXX. I followed their instructions and provided all the requested evidence. However, after providing all the evidence requested, they refused to remove the debt collection from my credit report and mentioned that it will take weeks for them to determine if they will remove the collection from my credit report. The debt collection has significantly affected my credit score and my ability to request a reasonable loan. I currently have a serious family situation and need to obtain financing and I am unable to do so because i was a victim of identity theft.
Product: Credit reporting

I tried disputing incorrect balances, date of last activity, date of last payment, date reported, status and etc but the always referred to the actual companies. 
After speaking with the companies such as XXXX, XXXX XXXX the issues have yet to be resolved after multiple attempts. Please see my Equifax report dated XX/XX/2017 for support documentation. 

XXXX 's past due amount, actual amount, status, date of last activity, date of last payment and balance are all incorrect. Nor have the creditor reported for XX/XX/XXXX and XX/XX/XXXX on Equifax and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX 's balance, date of last activity and date of last payment are all incorrect.
Product: Checking or savings account

Chime bank At approximately XXXX XXXX. XX/XX/2022 a transaction in the amount of {$50.00} was taken out of my account from XXXX restaurant. during that time I was at work in XXXX, Tx no where near the location of the transaction. I had my bank card on me and no one has access to my account nor card information. At that time my account balance was XXXX, and my overdraft was only {$25.00}. My balance was XXXX due to me transferring my check I just received that same day at XXXX XXXX XX/XX/2022 in the amount of {$630.00}. The only other transaction I made that day was from XXXX at the corner of XXXX XXXX and XXXX XXXX in the amount of {$2.00}. I then contacted Chime to file a dispute on XXXX XXXX. 2 days later on XX/XX/2022 with no emails stating why they denied my claim. How was my money able to be accessed for {$50.00} if my account balance was XXXX and my overdraft was {$25.00}? Thats not even enough to allow the transaction to go through. I called several times and was hung up on. When I finally got through for a call the person on the phone said that he wasnt able to transfer me to anyone and all communication will be done through email. I just want my money back. If I need to file a police report I will and contact a lawyer if need be.
Product: Money transfer, virtual currency, or money service

We submitted a wire to XXXX XXXX on XX/XX/21. Wire was submitted to there United States bank account ( XXXX XXXX ) after 2 days. XXXX XXXX confirmed there payments team had no records of a wire transfer from my account. XX/XX/21 chase bank got in contact with XXXX  and were told the wire was missing information and thats why its being held, no communication on what the missing information was. Chase bank filed a recall on the wire the same day XX/XX/21. Ive been in contact with XXXX XXXX daily to confirm no changes, They still show no record. 
Wire amount XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing by the Consumer Financial Protection Bureau ( CFPB ) Have brought to light significant Concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days, Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverified must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputes according or items 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
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 Correct or delete any information that can not be verified or is inaccurate as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosded to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

M & t bank has removed money from my account 4 times. They allowed XXXX XXXX to access and remove XXXX $ in XXXX. XX/XX/XXXX I made a deposit at the atm ..screen froze..held card. A few minutes later..card popped out as well as XXXX dollars. No deposit slip. My deposit was for XXXX. Immediately went inside and did paperwork Received letter today that they atr removing the XXXX from checking account tomorrow ... this is 3rd time for atm issues. I was advised to take them to small claims court. I have multiple issues like this with this bank. Same thing XXXX weeks later..investigation and this deposit was cleared {$160.00} They refuse to reopen the XXXX  issue from XXXX even though I have proof. Currently there's a charge for a campaign for around XXXX which is being investigated. I have no idea who this is from Changed cards and passwords XXXX per their advice. I'm out XXXX so far and this pending investigation. I am beside myself. It seems they Can and will do what they want. 
I need help. I'm an honest person. I don't understand how they can get away with this
Product: Mortgage

We are   trying to request a short sale - Chase received the request recently and denied the request because the home was rented for a period of time.
<P/>
The home owner had to relocate due to a family emergency. At that time, the home had negative equity ( could n't sell the home ) so renting was the best alternative.
<P/>
Fast forward 3 years - the home is now vacant - tenants moved out - and home owner needs to sell the home.
<P/>
Chase has decided to deny the short sale request because the home was rented for more than a year.
<P/>
Please help me explain to Chase that the seller only rented the home because he could n't sell it 3 years ago due to the negative equity position and h  e did n't know anything about short sales.
Product: Debt collection

I been a customer of XXXX for ten years and in about XX/XX/XXXX one of XXXX customer service agents in they questionable pitch go me to open a XXXX credit card I did but I closed the account within 30 days as instructed if I no longer wanted that service. I had order several items a phone, printer and paid them off through my XXXX online website account to that company instead paying debt off to XXXX XXXX XXXX [ hereinafter " XXXX '' ] contracted by XXXX for the said credit card. then abut XX/XX/XXXX, started getting ls from XXXX stating that owe a erroneous balance of XXXX on a count I had closed within prescribed time to avoid such complications. I called XXXX to complain about this issue they told me to write a letter disputing charges I did to prevail the next month in XX/XX/XXXX billings invoices continue arriving. So called XXXX to tray to get them to intervene & resolve this issue through a 3-way phone call which was futile because XXXX customer service Reps just abandoned & left me to the misleading and unscrupulous conduct of XXXX. I had spotless record of paying my debt with XXXX and it is my contention that XXXX is at fault here for XXXX   XXXX onto their loyal customers who are then taken advantage by the deceptive business practices of XXXX. I threatened to get an injunction from the XXXX District Court of New York Court to cease the unlawful credit card practices by XXXX which just ignore me and in the event this agency does nothing I ight have to take court action option filing a pro se complaint in the matters discussed here. I am XXXX years old XXXX XXXX XXXX who need s assistance from these alleged abuses. These issues are causing me in-necessary emotional/mental duress and potential economic injuries. I hold XXXX equally responsible for the problem because their greed in getting some sort of financial kick back from taking advantage of unsuspecting victims as my self and should be held responsible by this agency or any other responsible agency or court of law for the deprivation of an apparent 14th U.S. Const. Amendment violation, of the Equal Protection & Due process Clauses.
Product: Credit reporting or other personal consumer reports

I have sent MULTIPLE letters. Starting in XXXX and I have YET to receive any type of validation. I have sent several through certified mail and regular ( started in XXXX of XXXX and I sent my last XX/XX/XXXX ) Over this period of time I have yet to get anything from this collection agency. XXXX XXXX XXXX. I do not even have an account number for the said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows XXXX accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX XXXX ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.
Product: Credit card or prepaid card

Good morning I am having a problem with my XXXXXXXX XXXX XXXX issued by comenity bank. They are negatively impacting my XXXX XXXX I reached out to them over a year ago trying to resolve this issue and no results. I stopped using the card in the middle of XXXX and at beginning of XXXX I full payed the balance around {$130.00}. XX/XX/XXXX, I started getting phone calls stating I owe them {$50.00} for a {$20.00} subscription I purchased XX/XX/XXXX. I have not use the card since XXXX and I am currently in and have been hospitalized since XX/XX/XXXX. I explained this to them and in XX/XX/XXXX they credited and zeroed out the account. now they are emailing me and claiming I owe them {$250.00} for the same subscription charges this year XX/XX/XXXX. I reached out to XXXX and Comenity bank and asked for the charges to be removed and my account be closed and they told me that I had to repeat the same process from last year, dispute the charges and wait on the investigation. My credit score was lowered. Ive never had a problem paying my bills. If you pull up my credit report you will see that all of my accounts are in good standing and have been for years. I am requesting that the charges be dropped, the account be closed and my credit score to be restored. Please assist me in resolving this problem. 

Thank you I am only able to pull up the last two years of statements and I have attached the most relevant ones for your review. 
XXXX overview XXXX XXXX initial charge I have also attached the emails about the changes in my credit score
Product: Credit reporting or other personal consumer reports

there are items on my credit report that are not mine and they need to be removed from my credit report XXXX XXXX ACOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS ARE FRAUD AND THEY SHOULD NOT BE ON MY CREDIT REPORT. I CONTACT THEM CREDITORS AND THE COMPANIES
Product: Credit reporting or other personal consumer reports

I am writing to formally request an update to my credit report, as my credit score has not been updated since XX/XX/year>. Additionally, I have noticed that my name and address are incorrect in your records. I would like to request the following updates : 1. Credit Score Update My credit report has not been updated since XX/XX/year>, and I would like to request a review and update to reflect my most recent financial activity. 

2. Name Correction My correct legal name is [ XXXX XXXX XXXX, but your records still reflect an incorrect or previous name. I have attached a copy of my government-issued ID and legal name change documentation for verification. 

3. Address Correction My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but your records still list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have enclosed proof of my address, W2 and pictureID, for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has allowed XXXX XXXX to report an account to my credit file without obtaining verification. I have contacted XXXX XXXX course house and will be filing a case against Transunion and XXXX XXXX. XXXX purchased this account from XXXX XXXX XXXX XXXX. XXXX XXXX is aware of fraudulent charges on this account. I disputed this account within the 30 day window with XXXX XXXX and Im still waiting on documents I requested from them and validation of this account. According to the Fair Credit Reporting they must provide me with that information and they hadnt. Therefore, XXXX XXXX XXXXs not allowed to report any type of account to any credit bureaus. At this point Transunion is liable just as XXXXXXXX XXXX for damages to my credit file. I will have a court house case number within the next 3-5 days At this point, Im not playing and I am tired of companies thinking they can do what they want to do to consumers and not pay for what they have caused. Im a new me and Im not letting anything slide anymore. I am fed up I will contact the news team and have them put you all on blast and see about co rafting other consumers that was affected by this same issue. This has to stop like now. XXXX XXXX is only in business because of them pigging back off of other companies and not having their own legs to stand on. Enough is enough. Ive asked for XXXXXXXX XXXX provide all signatures on every last transaction that took place on the XXXX XXXX Account. Im still waiting and therefore this account can not be reported on my credit file. I responded within the 30 window. To XXXX XXXX  and the Consumer Financial Bureau has it on file just in case I need to add additional fees to my case. I attached a letter for XXXX and XXXX  stating that this account is not on my credit file and will not until they provide me with the information I requested so why did you all allow this account to be place on my credit file. Remove it NOW or you will be held reliable to.