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

To Equifax This letter is a formal complaint that you report inaccurate, unauthorized, and possibly fraudulent credit information. 
UNDER THE LAW 15 USC 1681 SEC. 623 IF NO RESPONSE AFTER 30DAYS THATS ANOTHER VIOLATION UNDER LAW 15 USC 1681 SEC.

611 ATTACHED TO THE ACTUAL CONSUMER COMPLAINT Everything must be 100 % accurate. YOU STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL AND ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
I request that you immediately remove the accounts listed : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Under 15 USC 1666B, I demand you to update the payment record in this account. 
ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT! 
I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 
Please see the documents included with this letter for my proof of identity and address. 
Thank you, XXXX XXXX
Product: Checking or savings account

Dating all the way back to XXXX of 2023. They should correct them. They informed me that it would take too long and that I needed to email them over to them because it was approximately {$76.00} in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 XXXX XXXX XXXX - XXXX XXXX XXXXXXXX
Product: Debt collection

MRS BPO , LLC has been texting me repeatedly, attempting to collect a XXXX debt. 

I contacted XXXX and confirmed that my account is current and there is a XXXX balance. 

I contacted MRS BPO at the number on their listing with XXXX ( ( XXXX ) XXXX ) I did not click any links or use any numbers in the text. 

MRS BPO rep said they have been trying to contact me to collect a XXXX debt, and wanted my account number and PIN, which I refused to give out. 

I called XXXX to report this fraud.
Product: Debt collection

Received a notice in XX/XX/XXXX that Hiday & Ricke P.A had bought an old judgment for a returned vehicle. The amount stated was XXXX Two months later H & R, contacted my company and started a garnishment, without a court order. On XX/XX/XXXXthey filed in court for a garnishment for the amount of XXXX. As of this date:XX/XX/XXXX they have received XXXX  and have not notified my employer that the debt is paid. Phone calls to the office are never returned. XXXX XXXX XXXX  is the lawyer that has shown up for the two hearings on the matter and the only signatury on the majority of the paperwork I have received.
Product: Debt collection

I paid XXXX XXXX XXXX   XXXX on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The XXXX is an alias for XXXX XXXX XXXX. The XXXX website is hosted on the same webserver as XXXX. XXXX and XXXX both operate from XXXX, FL and XXXX, OH. 

I confirmed on XXXX that the XXXX  debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.
Product: Credit reporting or other personal consumer reports

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I purchased a mattress from Mattress Firm in XX/XX/XXXX. The promotion offered was interest-free financing for purchases over {$2500.00}, with no expiration date. Monthly payments were {$29.00} and Synchrony Bank financed the purchase. 

My XX/XX/XXXX and XX/XX/XXXX statement reflect this. Then a steady increase in monthly payments can be seen from XX/XX/XXXX through XX/XX/XXXX. {$90.00} is the new minimum amount due. 

When I asked about these everchanging minimum payments with customer service, I was told costs would revert to {$29.00} monthly once credits were applied to my account. This did not happen and today, XX/XX/XXXX, I was told the monthly {$90.00} is because my promotional offer required repayment in 36 months, and my new monthly payment would be {$90.00} going forward. 

The promotional offer I accepted was 0 % interest until the item was paid off. On my statement ( s ) in the Promotional Purchase Summary, Promotional Expiration Date displays UNTIL PAID OFF on the same page ; at the bottom, it also states No Expiration Date ''. Billing statements from XX/XX/XXXX to the present show the same. If the promotion were for 36 months or any other period, it would be reflected on my statements, and its not. Further, this can be seen on Synchronys website instructing customers How to Read a Statement. 

This change in minimum payment appears to have occurred after I disputed the charge, only resolved after I filed a complaint. I was told by customer service today, when you canceled Card Security and filed a dispute, you accepted a 36-month promotional offer. I most certainly did not! Why would I agree to a new promotional period that tripled my minimum monthly payment and if I did, why isnt it showing on my statement? 

I requested that Synchrony Bank adjust my account to reflect the promotional offer I accepted accurately, the one shown on my statement for the past six months with a {$29.00} minimum monthly payment until the item is paid off, with no expiration date. They have refused so I am asking for your assistance. This feels like a bait & switch. 

I have attached my XX/XX/XXXX statement and XX/XX/XXXX. I have additional documentation if needed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XX/XX/year> Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Cease and Desist Demand Violation of 15 U.S.C. 1692c Dear Sir/Madam, I am writing to formally demand that Credit Acceptance immediately cease and desist from all further communications and collection attempts regarding my account. Under 15 U.S.C. 1692c, I have the right to request that you cease all communications related to the alleged debt, and I am exercising that right in this letter.

Specifically, under 15 U.S.C. 1692c ( c ), once a debtor notifies a debt collector in writing that they wish to cease further communication, the debt collector is prohibited from continuing to contact the debtor, except for certain specific situations. I am exercising my right to require that you cease any and all communication regarding the alleged debt with me, including phone calls, letters, or any other form of contact.

This is a formal request that : 1. Cease all further communication with me regarding the alleged debt, except for written notices to confirm that the debt has been settled or resolved in some way, as permitted by law. 
2. Stop reporting any information regarding this alleged debt to credit reporting agencies, if applicable.

3. Acknowledge that if you do not comply with this request, I will take appropriate legal action under 15 U.S.C. 1692c and may file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Please consider this letter a formal cease and desist request. Failure to comply with this demand within 30 days from the date of this letter may result in me pursuing further legal action, including filing complaints with regulatory authorities such as the CFPB and pursuing any other remedies available under the law.

I expect your full cooperation in adhering to this request. If you have any questions, please contact me at ( XXXX ) XXXX. 

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

I'm writing to correct a mistake that was discovered in my credit report. I've come across an entry that doesn't fairly represent my past financial situation. 

After looking over the account, I think there might have been a miscommunication or a mistake in the reporting procedure. I ask that this be thoroughly investigated because it violates the Fair Credit Reporting Act ( FCRA ). I am asking that the aforementioned information be removed or corrected immediately because it is inaccurate. 

I've included a letter as evidence and any other supporting materials that would be needed to address this problem. 

Once this error has been examined and fixed, kindly send an update. I appreciate your quick responsiveness to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted XXXX XXXX and all three credit bureaus ( TransUnion, XXXX, and XXXX ) multiple times during the past month - XXXX XXXX  has been extremely difficult to deal with. 

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with XXXX XXXX  and the collection agency to confirm that there was no outstanding balance associated with my XXXX XXXX/XXXX  account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But XXXX XXXX  is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the XXXX XXXX department that handles disputes. I did both, and XXXX  a letter with supporting document to XXXX XXXX  on XX/XX/XXXX. The XXXX  tracking number shows that XXXX XXXX  received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in XXXX XXXX was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A XXXX XXXX  representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that XXXX XXXX  used. 

XXXX  XXXX/XXXX  is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.
Product: Credit reporting or other personal consumer reports

My profile contains incorrect personal information. Kindly check all the documents that include my accurate and correct details.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiry listed below continues to report on my credit report in violation of federal law. This inquiry must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete this inquiry, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerned regarding Zelles handling of disputes, particularly particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelleb numerous times, and reporting discrepancies, my financial institution and Zelleb failed to investigate my claims adequately. The CFPB 's findings indicate that Zelleb has not only neglected you protect consumers but has also allowed repeated offenders to the exploit the system, n leaving users vulnerable to scams
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. 
Account name : XXXX XXXX, Account name : XXXX XXXX Bank, Account name : XXXXXXXX XXXX Account name : XXXX XXXXXXXX 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 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: Payday loan, title loan, personal loan, or advance loan

XX/XX/2022 We were lied to by XXXX XXXX who knocked on our door and sold us solar panels, they stated this was an initiative by the state of Florida, because they wanted people to go green. 
They promised tax incentives & told us we would be saving so much money because the solar panels would cut our electric bill immensely. They Lied about the size of the loan, we did not know till afterward when we received an email from Dividend finance and I called Dividend finance in the very beginning with my concerns and told them we were misled, Lied to and pressured into signing up. 
Dividend told me everything was above board and would not let us cancel. Now here we are a year later with the panels still on our roof and still non-working since the day they were installed. 
We found out the work that was done on our home, was done illegally and without a permit or inspection from city. 
Even worse, Dividend released monies to XXXX XXXX for not only Incomplete work but illegal work done on our house. We did not agree to them releasing money on our behalf. 
They approved everything from XXXX XXXX, very quickly and without our knowledge so the loan could be activated. 
I also believe they targeted me a stay at home mother with no income to be named on the loan, rather than my husband who has a good income and good credit. So they could charge a higher tax rate. 
Now XXXX XXXX are out of business and Dividend are trying to keep customers locked into these huge loans. A loan that I was not even aware of when the guy was in our home trying to sell us the panels. He told us this was being done through Florida, because the state of Florida wants people to go green. Lies. 
Now Dividend is calling me trying to get me to agree to a third party solar company with great reviews to fix XXXX XXXX mess. When I asked XXXX from Dividend the name of this third party company, with great reviews she could not tell me. 
Then she backtracked saying well actually we have not found one yet, but I would need to agree first. I do not have a contract with this third party company, it was with XXXX XXXX, who are now out of business. 
Our panels have never been fixed or connected. Our local electric company did not even know these panels were on our roof, yet Dividend approved the work and released money to XXXX Stating it was complete. Without permits, photos or documents shown to us the Consumer. Because there is none. Again it was done illegally. 
The only thing I want at this stage is those NON WORKING panels off my roof and to never do business with Dividend ever again.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against BridgeCrest XXXX  for potential violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and unfair debt collection practices.

Nature of the Complaint I previously disputed an account with XXXX and XXXX, which resulted in the deletion of the account from my credit reports due to lack of verifiable evidence provided by BridgeCrest. 

Despite this, BridgeCrest has continued to demand my Social Security number and identification in an apparent attempt to reinvestigate the matter without a valid legal basis. 

This action is highly questionable under FCRA 611 ( a ) ( 5 ) ( B ), which mandates that furnishers provide written notice within XXXX  days if they reinsert an account.

BridgeCrest has also failed to provide a written explanation of their request and has ignored my demand for verification. 

Applicable Violations XXXXFailure to Provide Proper Notice of Reinvestigation Under FCRA 611 ( a ) ( 5 ) ( B ), if BridgeCrest intends to reinsert this account, they must provide formal notice to me within XXXX business days. 
XXXX. Unfair and Deceptive Practices Requesting my personal information after an identity theft ruling appears to be a violation of FCRA 1681s-2, which requires furnishers to report accurate information. 
XXXX. Potential Privacy Violations Demanding personal identification following an identity theft claim may violate my rights under CFPB and FTC regulations.
Product: Bank account or service

On XX/XX/2017 I went to Bank of America to make a deposit into my savings I put in my ATM card press my pin the ATM slot open and I inserted XXXX inXXXX dollars bills the ATM accepted some of my cash and push out some bills it did n't accept I inserted some different bills to add into ATM.the atm began to malfunction the ATM push my card out with no receipt of proof of deposit and went blank.i called the number on the ATM and a claim rep ask me what happened and for the number I 'd of the ATM while I was on the phone with the claim rep I told her I was gon na check my account on the second ATM to see if my transactions was success upon checking the transaction did not go threw.while I was on the phone with the rep I wanted to deposit money into my checking account so I told rep I was gon na deposit {$600.00} into my checking and ask her to monitor transactions from her side in case I have trouble with the second ATM the deposit went threw successful i wanted to leave evidence in the bank and completing my transaction in the bank while claim rep on the phone.when claim rep told me they will have some one there between 24 to 48 hours to check ATM and I was gon na get a temporary credit into my savings account.i left the bank that night and return the next day and spoke with the bank manager she told me give it some time and to follow up with her if i did n't hear anything by Wednesday I waited to Saturday XX/XX/XXXX I spoke with the same manager XXXX and I told her is been a week and I have n't heard anything she said that good news I told her I was n't satisfied with a temporary credit I wanted my deposit found and a final resolution then on XX/XX/2017 Bank of America denied my claim.there reason was no ATM deposit overage was reported I requested for a more thorough investigation to check both ATM and video footage and check ATM history of my deposit into my savings account there should have been some evidence from machine or video the bank escalated my claim and this time within 3 days they comeback with same decision when I ask for a more thorough investigation it took a shorter time than the initial investigation please look into this matter for me and let me know what i can do next