23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication and to dispute the accuracy of information you have reported to the credit bureaus for my accounts, specifically those ending in XXXX and XXXX. This dispute is raised in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

As previously communicated and in accordance with your request, I have already provided all necessary documentation to support my dispute. This includes a copy of my most recent credit report indicating the items in question, my Social Security number, the complete account numbers for the disputed accounts, and documents substantiating my claim that the reported open date, date last active, and last payment are inaccurate for both accounts. 

Despite providing this documentation, the inaccuracies remain unaddressed on my credit report, which leads me to reiterate my concerns under specific provisions of the FCRA : 15 U.S.C. 1681 section 602 ( A ) grants me a right to privacy concerning my financial information. 
15 U.S.C. 1681c ( a ) ( 5 ) restricts reporting of adverse information beyond seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) obliges furnishers to ensure the accuracy of the information they report to credit bureaus. 
The persistence of these inaccuracies on my credit reports is concerning and, I believe, violates my federally protected consumer rights to privacy and confidentiality as stipulated by the FCRA. I am seeking an immediate investigation into these matters and the correction of the disputed information.
Product: Credit card or prepaid card

Comenity Capital Bank, XXXX XXXX. This company does not offer automatic monthly recurrent payment. Around XX/XX/XXXX, I received a call that my account was late, I make the total payment over the phone, Which one I though it include the late payment fee. So on XX/XX/2020, I noticed a charge for {$37.00}, Which one also due for two days ( due date XX/XX/2020 ). I called the company and spoke with a representative name XXXX XXXX, I want to pay all my balance including the new last payment fee, for paying two days after. but the charge wasn't post it in the account yet. they did not want to charge me because I have to wait for the charge to be posted to the account. However, it's two days after, they know I will have another late fee and they don't want to charge me yet. I am trying to explain that I might forget to call again before the due date, therefore they will keep charging late fees. This company doesn't offer an automatic recurrent payment very inconvenient for the customer and convenient for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries Viewed By Others On my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/28/2020, XXXX XXXX XXXX, XX/XX/21/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX Bank, XX/XX/11/2020 and XXXX XXXX XXXX XXXX,XX/XX/11/2020. The following Reported Information is  fraudulent, unauthorized and not my accounts : XXXX  XXXX  and XXXX, XXXX XXXX XXXX  and XXXX XXXX. I am a victim of identity theft and have a current police report on file with Chex Systems.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern about the ongoing issue of expired debt still showing on my credit report and being harassed by collection companies. I am a responsible individual who has always made timely payments on my debts, but I am being penalized for something that is beyond my control. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that negative information must be removed from a consumer 's credit report after 7 years. However, I have noticed that several accounts that are over 7 years old are still showing on my credit report, which is negatively impacting my credit score. 

Furthermore, I have repeatedly asked the collection companies to stop their harassing phone calls and letters. Despite my efforts, they continue to harass me. Additionally, I have written to all three credit bureaus 4 times, but I have only received one response indicating that it appears as though I am working with a credit company. This is not the case, and I am unsure how this response is even relevant to my complaint. 

This situation is not only frustrating, but it is also unfair. I believe that collection companies should be held accountable for their actions, especially when they are violating the law. I urge the Consumer Financial Protection Bureau to take action against these companies and ensure that they are abiding by the rules set forth by the FCRA. and delete these negative expired items right now. 

Account XXXX XXXX XXXX from XXXX XXXX  XXXX from XXXX company XXXX XXXX XXXX was sold to. they are harassing me and i don't like it. 
XXXX XXXX XXXX XXXXXXXX from XXXX In conclusion, I would appreciate any assistance you can provide in resolving this matter. I look forward to hearing from you soon. 

4 credit bureaus letters sent to all 3 bureaus on the dates below and no response at all... reading your website that is not allowed am i reading this correctly? 
. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sincerely, XXXX XXXX
Product: Debt collection

I am writing in response to your correspondence datedXXXX, regarding the debt associated with my USAA FSB consumer loan, account numberXXXX. While I appreciate your confirmation of the debt amount and other loan details, I must respectfully inform you that the response does not fulfill the validation requirements I originally requested under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

As per my initial request, which was sent via certified mail on XX/XX/year>, I received confirmation that you received my request on XX/XX/year>. Despite this, your response has not provided the following essential documents : The full chain of assignment and transfer of the debt, including proof of any transfer to third-party collection agencies or to a secured trust. This documentation is necessary to validate that the debt is indeed owed to the party currently attempting to collect it. 

A copy of Form 1099-C ( Cancellation of Debt ), if issued, to confirm whether any portion of the debt was forgiven or canceled. This information is vital to verify the accuracy of the debt amount. 

Additionally, I must point out that USAA has been re-aging this debt on my credit report. This practice of re-aging is a violation of the Fair Credit Reporting Act ( FCRA ) and further underscores the need for proper validation of the debt. Without the required documentation, I dispute the validity of this debt and the accuracy of the information being reported. 

As I previously stated, I am formally requesting that you cease all collection efforts on this debt until the full and complete documentation is provided. This includes reporting this debt to the credit bureaus, as the absence of the requested documentation raises significant concerns about the validity of the debt and its reporting. 

Please be advised that should these documents not be provided within 30 days, I will consider this matter unresolved and will pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies if necessary. 

I appreciate your prompt attention to this matter and look forward to receiving the full documentation as requested. Until then, I expect that all collection actions, including credit reporting, cease.
Product: Checking or savings account

I am an Ally Bank customer and I have used Ally to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using Bill Pay Function. I need to get the information and payment information for all payments made to the above two parties over the past 4 years. I have called Ally Bank and they have indicated they can not help. I therefore have contacted the CFPB. Also wires were used to make the payment.
Product: Credit reporting

XXXX Bank is reporting as the original creditor on my credit report and this company is out of business and have been since XXXX. This is a collection company posing as the original creditor. The last delinquency was in XXXX and now they reported a payment being delinquent in XXXX. This collection company is playing games with the law. I have not been delinquent on any accounts in the past 4 years. How can a collection agency pretend to be the original creditor. I want right to sue.
Product: Credit reporting or other personal consumer reports

I am having an issue getting my consumer report from XXXX XXXX  XXXX XXXX. I want Clarity Services to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Debt collection

Proof never received and I made many attempts to settle and pay half and payment was returned to me after they agreed to accept it. I disputed from the start and this is on my credit report. Florida statutes state that I am entitled to proof of the fees and issues. I am being charged appox. {$200.00} interest on a disputed collection account. I moved out of the apartment and was charged for water drip marks under the stove top, XXXX approx. {$40.00}, cleaning bathroom counter ( approx. {$40.00} XXXX {$600.00} for carpet cleaning. I asked to provide proof of expenses and issues they are claiming. I have pictures that show I left it in " clean '' condition and carpet cleaning was done by me prior.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your Company.
Product: Checking or savings account

On XX/XX/XXXX I opened an account with Chase and then proceed to deposit in XXXX the next day on XX/XX/XXXX in person at a Chase branch. I then used XXXX of that to pay off my credit card on XX/XX/XXXX. Chase then saw the charge and proceed to restrict my account. I had called and asked why and all they had stated that my account would be closing due to suspicion of fraud and that they would need to verify my funds. My payment to my credit card also had not gone through, causing my XXXX XXXX to drop by XXXX points and the credit card itself to be restricted which great inconvenienced me. They are still withholding about {$5200.00} from me and has not sent anything despite it being XXXX business days already. I had called again recently on XXXX but they are still withholding my funds.
Product: Credit card or prepaid card

Bank of Omaha issued a fraudulent card to someone stealing my identity. XXXX was for XXXX XXXX XXXX 

Also, someone from XXXX  also tried opening card for XXXX airlines in my name. 

I need these closed and off my credit report. 
Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against Jefferson Capital Systems regarding a debt of {$2300.00} that originated from XXXX. While I acknowledge that this debt was incurred, my financial situation has drastically changed, and I am now unable to repay it. Despite my financial hardship, Jefferson Capital Systems continues to report this debt and is attempting to collect an amount that may not be accurate due to the lack of proper validation. 

I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This includes proof of the original agreement with XXXX and their legal right to collect this debt. Without this validation, the amount they are attempting to collect may be incorrect, making their continued reporting both misleading and unfair.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and debt collectors are obligated to ensure the accuracy of the information they report. Given that this debt is unvalidated and potentially incorrect, its continued presence on my credit report is unjust and harmful. 

I request that Jefferson Capital Systems immediately cease all collection activities and remove this debt from my credit report to prevent further unnecessary damage.
Product: Money transfer, virtual currency, or money service

to whom this may concern : i was scammed in XX/XX/XXXX by someone i met online claiming to be from the US military. he lied about his life being in danger and needed money to help the processing for him to leave the " US military. '' i did a deposit into their account and soon realized it was a scam. 

i bank with XXXX and the receiving bank was US CITIBANK. there was nothing that my bank or their bank able to do to retrieve my money. 

i was ill at the time when this happened. i suffer from XXXX XXXX which makes it tough to make clear decisions and with this illness, we tend to be vulnerable when manic. 

1st deposit was made on XX/XX/XXXX in the amount of {$6200.00} & another transaction on XX/XX/XXXX in the amount of {$2900.00}. please see attached for receipts.
Product: Vehicle loan or lease

In XXXX, XXXX and XXXX of XXXX  I fell behind on my car payment due to financial instability. since XXXX of XXXX I have been back on track with no late payments, I have sent in several goodwill notices to get this handled with no results and it's causing me great distress that this is happening to me, since technically under U.S. code 1681 ( a ) sharing my transaction history is considered illegal under the consumer protection laws.
Product: Credit card or prepaid card

A purchase was made with my card for the XXXX  XXXX XXXX. The purchase was refunded from them on XX/XX/2020 due to me canceling. On XX/XX/XXXX I see on my transaction history that the credit has been applied but American Express is holding the funds. Upon talking to 3 agents one agent XXXX emp Id : XXXX actually refers me to the legal terms and conditions # 4 Section F. Which that section refers to pre-authorization holds and processing delays. She kept referring to merchant holds, which has nothing to do with refunds and placing a hold on the refunded funds.
Product: Credit card or prepaid card

Last Thursday I received a letter that all of my US Bank Credit Cards are closed. Letters stated your account has been closed effective immediately. Our decision was based on the following principal reason ( s ) reasons listed are credit history related. I have more than {$2000.00} worth of flex points, what US Bank actually did is instead of allowing me to use my points they closed an account with no option to use them. 

Cardmember Agreements, section 32, titled Cancellation of Your Account, We may cancel your Account or suspend your ability to obtain Account credit immediately, without notice, if your Account is in Default. Even if you are not in Default, we may cancel your Account by providing notice to you. My account was not in default when it was closed, so there is a breach of agreement. 

In addition to that latest response I received stated that " A careful review of your account does not reveal any instance in which U.S. Bank deviated from generally accepted banking practices. '' General banking practices allow 30 days to redeem points when account is closed ( XXXX, XXXX and other Banks ). 

I suspect that US bank found out that there is over {$2000.00} worth of flex perks that I have on the account and instead of going through procedure and giving a notice as per credit card agreement decided immediately close an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

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

I sent out a letter to XXXX XXXX, XXXX and experian on XXXX/XXXX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove them.
Product: Mortgage

I refinanced my loan with a mortgage company called XXXX mortgage and it is a cash out refinance. The title company called XXXX XXXX situated in Tennessee sent the pay off for my older loan with Caliber Home Loans on XXXX XXXX. They confirmed the account number and routing number to which the payoff to Caliber Home Loans was sent and we also got an a call with the customer service department of Caliber Home Loans to confirm the account details. Title company has a confirmation from their bank that the wire has been sent but Caliber Home Loans says they haven't received it and every time I have to speak with a new agent who makes me go through the whole process again of explaining the details and they are not looking into this issue. I am very concerned at this point as I am not getting appropriate help from my title company XXXX XXXX as well as the previous lender Caliber Home Loans to solve this issue. 

I am not sure what could be the next steps for me as my credit report now shows 2 loans for the sane house now and will have to do 2 payments for no fault of my own.

Customer service is useless for me as of now and also none of the title company or mortgage company is helping me even trace the wire or letting me know what the next steps could be to resolve this.
Product: Student loan

XXXX XXXX has been closed by the government. My loan should be dismissed and I have requested the paperwork many time from Navient ( the lender who bought out XXXX XXXX ) and I never receive the paperwork from them. They have told me that the department that handles that won't take their calls. I read today that the last day to file the paperwork for this is on XX/XX/XXXX. I need help and I need it fast. 

They lied to me and told me that they had a career services department. I went to the dean during my second semester and asked to be enrolled in the program and he started looking on XXXX for jobs. He said that was the career services department. There are a lot of other things they lied to me about. They also forced me to get several private loans, and also switched loan companies from Navient to XXXX and didn't tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Capital One, Capital One Account Number : XXXX I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As well as 60 days late on XX/XX/XXXX and 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX. I immediately disputed this information with XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act XXXX FCRA XXXX, as the information furnisher, you are required to notify me of the insertion of negative listings. These incorrectly reporting items have hampered my ability to obtain credit. 
I believe that any judge that looks over the report would agree that it is a violation of the FCRA, FCBA, CCPA and FACTA. The following account listed on my report I demand a full accounting and up to five years worth of records to see if this account is in violation of the FAIR CREDIT BILLING ACT ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ). 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. 
Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX CC : Attorney General of California XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX, CA XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, Iowa XXXX