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

I have disputed alleged account from XXXX XXXX XXXX XXXX multiple times with Equifax and XXXX. They ( Equifax and XXXX ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to XXXX XXXX Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681,  unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, XX/XX/XXXX, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter for the XXXX XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX XXXX XXXX account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my family 's life. I would like this account to remove. 
Here is my account information to us during the investigation into this matter. 

Transunion Account Name : XXXX XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Dear Sir/Madam, I previously notified Capital One bank that I am a victim of identity theft, and requested that you do the following : Remove all unauthorized charges on my account, and Take steps to remove information about my account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my account ending in XXXX were used without my authorization due to identity theft and was charged for the total amount of USD XXXX. I did not authorize these charges, and I request that all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Identity Theft Police Report. Because the information you are reporting isthe result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B  ). I ask that you take these steps as soon as possible. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
Product: Credit card

Often the programming within the bank 's website requires me to reset or reestablish my online banking password. Unfortunately, due to this four times I have had to either go into a store or wait until I was able to establish the account details accordingly. I have received four late fees but Victoria 's Secret Comenity Bank has only refunded me one of the four late fees assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I initiatied a transfer through my Bank of America account to my wife. The number entered for my wife was incorrectly entered by one digit. Bank of America apparently leverages a third party, XXXX, for these types of transactions. I sent the amount of {$550.00} to an incorrect mobile number but in the name of my wife. The recipient received the payment even though the name was incorrect. When I attemplted to cancel/ dispute the charge with Bank of America they notified me that there was nothing they could do other than ask the recipients bank to return the money as a courtesy but that there were no guarantees. There is no disclaimer of any sort on the website or when going through the process that as a consumer I would not be protected in any way if I made a simple factual error when submitting the transfer. This is an extremely misleading and deceptive practice by the banks and by XXXX and offers no protection to consumers. This should be illegal without explicitly displaying the risks associated with these types of money transfers.
Product: Debt collection

I was called at XXXX today by Diversified Consultants about a XXXX XXXX bill of {$680.00}. This was a random call and I really did not have the time to talk, as I was busy. So, I proceeded to ask XXXX XXXX XXXX could I call her back at another time because I was busy and she proceeded with : " well, we are on the phone right now, so why do n't we go ahead and get this settled. What are you going to do about the debt? It has been in collections since XXXX! I was shocked and I told her that that was not the right way to go about the situation especially if someone tells you that they are busy and they will call back. The phone got disconnected and I called back. It was XXXX XXXX again and I asked her if she wanted to try the conversation again. She proceeded with being very rude and nasty to me again ; therefore, I asked for a manager. I was put on hold and XXXX XXXX XXXX, the Supervisor on duty, came to the phone. I expressed to him that XXXX was very rude to me and I even told him what happened ; he replied with " well I understand that, but we are on the phone and you called back so what would you like to do about this debt that has been delinquent since XXXX? '' I was appauled because the professionalism was so horribly portrayed. I could not even carry on a conversation with these people because they were haggling and being very forceful and rude to me.
Product: Debt collection

Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter.

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated.

2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law.

3. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to.

4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations.

Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report.

2. Please provide me with the purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter.

Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

At the end of XX/XX/, I received from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX, a letter/statement naming me as a debtor and requesting to pay the balance in the sum of {$7000.00} The letter/statement shows the following information : Current Creditor : XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. 
Account Number Ending on XXXX Case Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case number XXXX On XX/XX/, I responded with a letter disputing the validity of the debt. I also provided the Police Report with the number XXXX. 

Recently I received from XXXX XXXX XXXX a letter denying my dispute of the debts alleging that I am the person that requested the debt. They are now requesting the sum of {$9300.00} On XX/XX/, I responded with a letter affirming and disputing the validity of the debt. I also provided the Police Report number XXXX.
Product: Debt collection

XXXX XXXX. In XX/XX/year> I was alerted on XXXX XXXX that there was a collection on my account for {$4500.00}. I attempted to find more information. I was unsuccessful. I was not provided with or given any contact information on the collections. 
XXXX. On XX/XX/year> @ XXXX XXXX  I was contacted for the XXXX time by XXXX XXXX by XXXX @ XXXX. The call was recorded and lasted XXXX minutes. I asked what names were in the collection. It appears that my co-tendent on the XXXX XXXX XXXX was not on the collections. I asked why I wasnt contacted before collections hit my credit. I provided all my contact information ( address, email, and phone number ) to send me the official notice. Throughout the call, I was bullied and pressured to pay 60 % of the collections. They promised I would have my name removed and would add XXXX later. I was given my account information for their website - Account XXXX. When I viewed the account on their website it contained none of my information, not even my name. It only contained the apartment name and balance due. At the end of the call, I told them no I would not pay, and we would connect later that afternoon or the next morning. 
XXXX. On XX/XX/year>, XXXX texted me from XXXX requesting me to call her asap XXXX. On XX/XX/year> @ XXXX XXXX  I received a missed call on my cell phone from XXXX from another person from XXXX Receivables. 
XXXX. On XX/XX/year>, the same person from XXXX called my work number, I told them this was harassment and never to call this number again and that I already had an appointment with XXXX. 
XXXX. On XX/XX/XXXX @ XXXX XXXX  I attempted contact to reach XXXX 3 times, I ended up calling XXXX and spoke to XXXX XXXX who directed my call. 
a. I requested the validation notice XXXX mentioned she didnt know what that was b. I requested the collections removed since I was never given the proper notification. 
c. I have a copy of the documentation from the apartment complex stating my forwarding address. I also provided copies to the apartment complex of all payments I made to XXXX 's apartment and roommate for rent. The apartment complex confirmed receipts of my payments to their ledger and provided me with a copy. 
d. The collection agency informed me that XXXX XXXX XXXX not yet added to the collections- which makes the collection inaccurate. Both XXXX and I signed the lease.

e. Collection agency told me they had a promotion for me, that If I pay 60 % of the collections it will be removed from my collections. I requested this in writing, and I was denied this request and told they do not do that. 
f. I was told that my information would be reflected on the website under account XXXX as of XX/XX/year>, it still does not appear. 
g. I was promised that XXXX Receivables should mail and email the validation notice. I have yet to receive it. 
XXXX. I have not heard from this company again and have not been able to dispute the collections
Product: Debt collection

Someone stole my identity for a smart pay or security credit services lol
Product: Debt collection

My name is XXXX XXXX, I am a consumer writing this for myself without assistance from any person. CITIBANK , N.A . is civilly liable ( 15 U.S. Code 1692k ) for violations under the FDCPA. I am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit attached below. I have also sent all documents to Citibank via certified mail.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/2019
Product: Student loan

XXXX XXXX XXXX has committed theft and fraud with the assistance of Fed Loan Servicing. They were shut down for stealing funds financial aid and fraudulent loans. They have placed multiple loans on my credit that were not authorized. I received a pell grant which covered my tuition. But they have put XXXX separate loans on my credit without authorization ( 2 years after I was no longer a student ). Not only have they stolen unauthorized grant funds but they have also stolen these funds when i was not even a student when XXXX of these loans were charged.Fed Loan has refused to work with me despite all of the evidence and Police reports filed.
Product: Checking or savings account

My account was initially blocked XXXX XXXX apparently as a result of my trying to use an app that did not perform properly. After numerous calls to the bank from XXXX where I am currently residing the account was unblocked so I can at least view my on line accounts. However I still unable to transfer money between the several accounts I have with them. I need to transfer money in order to pay my bills. Note that I have been making these transfers for the past 20 years with no problem. 

There attitude is completely unacceptable. I was bounced from Customer Services, Security ( Fraud ) Department and the Local Branch. The branch was cooperative but ineffective. The other two departments showed no interest in the fact I was out of the country and needed quick resolution to pay my bills. 

They need to review several things : XXXX. Trying to transfer money by XXXX does not work if the XXXX account is registered with another bank. The account registration is for RECEIVING not SENDING.

2. The algorithm for detecting fraud should not lock an account when the problem is repeated tries to use a bank system that doesn't work. ( See XXXX above ) XXXX. There should be a means for customers to identify themselves other than going to the branch. That obviously doesn't work for people out of the country. Fortunately I knew the people at the branch well and with much effort they helped identify me. 

XXXX. Customer Service and Security should better equipped to handle customers out of the country. They should at least appear to care about customers. 

XXXX. " Reviews '' shouldn't take 90 days. A cursory review by a human being would show that the transactions being blocked were routine. I have been making the same transfers every month for the last 20 years, both from the XXXX and from XXXX.
Product: Debt collection

XXXX Transaction : Thru XXXX. {$1200.00}. 
Item ( military XXXX & XXXX ) was sold on XXXX and payment received from XXXX. 
The purchaser then had buyers remorse and requested a REFUND. 
The buyer them shipped the item back without a proper XXXX # when XXXX arrived with the Package IT WAS XXXX LB 's lighter that original package that I shipped. ( XXXX was kept? ) So the package was refused. XXXX and XXXX have both put my account on hold. I have done {$60000.00} in business with them in the last 15 years? Have these people lost their MINDS? I 'm told this is a XXXX scam and they had a class action law suit against them in 2004 that they settled.
Product: Credit reporting or other personal consumer reports

XXXX AND TRANSUNION REMOVED THE FOLLOWING ITEM FROM MY CREDIT REPORT IN RESPONSE TO AN FCRA VIOLATION I REPORTED. THEN, ON XX/XX/2023, XXXX AND TRANSUNION ADDED BACK THE ACCOUNT ONTO MY CREDIT REPORT WITHOUT NOTICE. THIS IS A SERIOUS VIOLATION OF MY RIGHTS UNDER THE FCRA. 

ABSOLUTELY, UNACCEPTABLE!
Product: Credit reporting or other personal consumer reports

I have formally disputed the validity of a debt listed on my credit report by Chase bank. I have previously attempted to resolve this issue with Chase directly in writing on three different occasions ( the last being XX/XX/year> ). 

I shared that I do not recognize the account in question and possess no documentation related to it. I provided my social security number and a copy of my credit report showing that this account is reflecting negatively with all three bureaus. I requested a copy of the original agreement bearing my signature and a copy of the 1099C form associated with this account. 

They keep responding by sending copies of billing statements, which is not helpful or what I asked for. This is a potential violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), which requires a reasonable investigation of disputed information, and FCRA Section 623 ( a ) ( 8 ) ( E ), which requires furnishers to provide notice of dispute if they continue to report information. 

This inaccurate debt is negatively impacting my credit score, which is hindering my ability to obtain a credit card for my new business.
Product: Consumer Loan

unfortunately I did not ask the right questions about this " simple interest ''. I went through an ugly divorce in which I have the obligation of the automobile and all the remaining payments. They were more then happy to give me an extension during these rough times, but unbeknownst to me my principal balance wasnt budging a bit!!!! I bought the car brand new in XX/XX/XXXX and it is now XX/XX/XXXX and the principle has only moved a couple thousand dollars. This can not be legal!!!! I am giving them their payment every month Where is it going???? HELP!!!!!