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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX and capital one is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, capital one and the creditors reporting collections/Charge-Offs, other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved. i am opting out of my your reporting services.
Product: Debt collection

In XX/XX/, I received a collection notice from General Credit Services regarding an alleged debt of XXXX. I immediately disputed the validity of this debt by sending a certified letter requesting debt validation, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Despite my formal request for validation within the legally mandated 30-day period, General Credit Services has failed to provide any documentation or proof that I owe this debt. They have not furnished any information regarding the original creditor, the debt amount, or any supporting documents. 

This lack of cooperation from General Credit Services has not only left the debt unverified but has also raised concerns about potential violations of my rights under the FDCPA. The absence of any substantial response or evidence of the debt 's legitimacy has led me to believe that this debt may not be valid. 

I am seeking a resolution to this matter that involves the complete dismissal of the debt and an acknowledgment of the failure to comply with the FDCPA 's requirements for debt validation.
Product: Money transfer, virtual currency, or money service

XXXX money was pulled out of my account {$1900.00} thru cash app to XXXX XXXX XXXX processed the chargeback reversal in the amount of {$1900.00} to Cash App Bank XXXX XXXX on XXXXXXXX XXXX  # XXXX
Product: Prepaid card

After several requests for documentation used to deny my fraud claim, FISERV sent the attached single-page letter dated XX/XX/year>. 

As you can see, the information ( numbers ) pasted on the page are not explained or detailed in anyway and the assertion that funds were received by the intended financial institution XXXX XXXX with account ending XXXX not true. It is critical to note that some of the information is blacked out or redacted! 

Only in XX/XX/year> did FISERV reveal that it believes that I am responsible for the disputed transaction. Let me state again that I did not make the transaction and FISERV can not prove that I made the transaction by virtue of the fact that I did not make the transaction. I will not allow FISERV to call me a liar and steal my money.

Since I did not make the disputed transaction, who did? Because of FISERVs resistance to transparency, I suspect the transaction was committed by someone inside Money Network. Rather than addressing its internal fraud problem, FISERV seeks to absolve itself from responsibility by trying to pin the transaction on me with false allegations and ambiguous and incomplete communication. FISERVs denial tactics are insulting, disingenuous, and criminal.

Lastly FISERV invites me to call the number on the back of the card with questions. When I call this number all that I am told by the customer service representative is that my claim has been denied without further explanation. There is a complete disconnect between customer service ( in Georgia ) and Dispute Operations ( in Nebraska ).
Product: Debt collection

Letter sent to from Weltman Weinberg & Reis saying I have account out standing with XXXX XXXX XXXX this account is 15 years old.
Product: Student loan

I received a telephone call at my place of employment on XX/XX/2020 from someone claiming to represent Allied Interstate LLC on a debt that I am currently entering into to a payment plan and has already been subject to wage garnishment by another entity. The caller stated that wage garnishments will begin on XX/XX/2020. 

The caller was asked to provide written or email documentation of information, validation, and verification of the debt being recalled from the previous collection agency and placed with Allied Interstate. The caller stated the " We don't do emails. That's not how this process works. You need to talk to someone over the phone. ''
Product: Checking or savings account

XX/XX/23 a savings account with Bank of America was opened in my name and I closed it as soon as I got an email telling me my application was submitted and approved. I called Bank of America right away and the account was closed. Today ( XX/XX/23 ) two more savings accounts were opened with my information and those were closed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed and constantly have XXXX attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

Ars : {$2800.00} Total XXXX XXXX XXXX : {$4500.00} Specialized collection services : {$710.00} My medical information was shared with a collection agency, Account Resolution Services, XXXX XXXX XXXX & XXXX Collection services I am being charged I've attempted on two occasions sending letters to Account Resolution  Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  to have authorization to collect a debt. Instead Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my record
Product: Credit reporting, credit repair services, or other personal consumer reports

was at the XXXX  looking to buy a new card when i was made notice of XXXX accounts i never applied for on my credit report
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was approved for the Capital One Quicksilver Rewards card on XX/XX/2022 and started spending to get their {$200.00} reward promotions. After completing their requirements within the XXXX month period on XX/XX/2022 they never gave me the rewards promised in the promotion.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear TRANSUNION, I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : 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 These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX      XXXX   XXXX   XXXX   -  XXXX
Product: Credit card

Here is extra information regarding the fraud case for the XXXX XXXX. As far as the XXXX address, it states yes there is a XXXX XXXX XXXX however there are several units. The order had to be sent to someone's it didn't belong to. Further, the company themselves admitted it was fraud as the carrier confirmed this and my name is not the name of the person on the order, I don't know the person either.
Product: Mortgage

I applied for a 20 year mortgage refinance from Chase bank. I have excellent credit, and a 15 year work history as a prosecutor, in house counsel, and sole-practioner. The original mortgage has never had a late payment. The underwriting process dragged out for months even after I supplied all necessary documents, and I was eventually denied credit by Chase. The appraisal for the property came back {$380000.00} and the amount of the loan was to be {$200000.00}. I have never had a late payment on any account including the current mortgage for the last 10 years. I am damaged because the underwriting process took far too long ( well past 30 days for the decision ) and interest rates have now gone up. Additionally, there is a credit inquiry on my credit report from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. XXXX  these accounts have violated my rights. 

15 USC 1681 Section 602 A, State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consumer reporting agency can not furnish a account without my written instruction. 

# XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the 1099 that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX XXXX XXXX
Product: Consumer Loan

On XXXX XXXX 2016, XXXX placed an account on my credit file which i did not recognize. The account was from a company called heights financial corporation.I immediatetly researched the company and loan in question. Obtained. Their Phone number and address. I called and spoke with a representative and explained the reason im calling. They put me in contact with a senior representative spoke with a XXXX XXXX again explaining the situation she researched in her company files is my name, social security number and address that matched any accounts in my name. The research camey up negative she immediatly responded that i doo not have An account with them and werey suppose. To give me a letter stating i have no account in my name to send to the credit Bureau. 
2 days passed no letter i spoke to a XXXX she claimed that maybe im mixing up her company with another company. I immediately emailed her the name. Of her company address and city they are located. XXXX immediatetly confirmed the information i send that it was correct. But, still claims its a mix up. Since i last spoke to her XXXX/XXXX/2016, the company has not contacted me about my issue and no evidence they are trying to resolve this matter furthermore no letter i requested. My credit score is suffering and Heights Financial corporation is giving me no support and a cold. Shoulder. They are not helping me and in need of some. Organisation to help, Please help me resolve this issue.
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 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681 ( C ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advise items of information, other than records of convictions of crimes which antedates the report by more than 7 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: Mortgage

I have a second mortgage or " line of credit '' with US Bank for the amount of {$120000.00}. I have had this line since XX/XX/XXXX. It has always been fully used up to pay for the home, and is interest - only payments. I have made those payments for over 15 years on time, for approximately {$500.00} / month with no decrease in the principal. 

My payments were always on auto-pay through my bank account at XXXX. However, those payments stopped without my realizing it, and US Bank had me on e-notifications, and I was therefore, unaware of the failure to pay. I did log on to my US Bank account online, and noticed that my Line of Credit no  longer appeared there. I called, and asked them what I owe, what was going on, and they couldn't explain it or fix it. 

I received a letter on XX/XX/XXXX that is dated XX/XX/XXXX ( sent certified, return receipt but the card on the letter was still attached and I did not receive it by mail until last week ). This letter says that I am delinquent by {$3400.00}. I called the number the next day, and was told that in order to " reinstate '' my loan I had to provide to US Bank branch {$7600.00} in cash by XXXX. It was XXXX when I received this information. The US Bank person told me that this was my only option or my house is being foreclosed upon! I have had ZERO notice. And no possibility to even get the cash there that quickly. 

I then called back the next day and after 75 minutes and being transferred to 5 different divisions at US Bank I was told absolutely nothing about the status of my account, what I owe, if they are foreclosing, nothing. And I am still unable to see anything online. My complaint is lack of notice, lack of ability to get information, and generally total fear of what they are going to do to me. My mortgage on my first loan is up to date, and not in arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Product: Checking or savings account

TDBANK refuses to close account # XXXX per request after providing a XXXX XXXX  and informing in regards to a 2 year separation from my XXXX XXXX XXXXhe Banking agent by the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX was informed to either separate the XXXX accounts or close both accounts due to pending transactions informed XXXX that I do not have control of the use of this account and that a pending transaction can delay the process of closing the account I have requested that TDBANK remove or close both accounts
Product: Debt collection

Toyota Motor Credit failed to give me proper validation of this debt.

I mailed Toyota Motor Credit a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Capital One I filled out a theft report with the company sying i never had a capital one card
Product: Mortgage

Suddenly, got a call from XXXX ( in XXXX ) that we had missed XXXX loan payments ( XXXX & XXXX ), but our loan had been sold in XXXX last year to LenderLive, not XXXX When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )