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

Subject : Refusal to Pay Debt Collection Agency under 15 U.S.C. 1692c ( c ) Dear PORTFOLIO RECOVERY A, I am writing to formally notify you that I refuse to pay the debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), this letter serves as a formal notice to cease all communication with me regarding this alleged debt. 

Additionally, I dispute the validity of the alleged debt, and I request that you provide verification of the debt as required under 15 U.S.C. 1692g ( b ). If you are unable to provide sufficient documentation proving the legitimacy of the debt and my obligation to pay, you must cease reporting this account to any credit reporting agencies. 
If this account is currently reporting on my credit file, I demand its immediate removal as unverified accounts are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Failure to comply with these provisions may result in further legal action to enforce my consumer rights. 

Thank you for your immediate attention to this matter. Please provide written confirmation that you have ceased all collection efforts and removed any inaccurate reporting regarding this account. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Navy federal charged me overdraft fees totaling to over {$500.00} while enrolled in the OOPS program through navy federal. I reached out to navy federal to submit a fraud claim which they found me not to be at fault and kept the credit on my account but took it, unenrolled me from the OPPS program and closed my checking and savings account after I provided all information and was cleared of my claim. Navy federal instead took money from me just for my account to be closed as a result.
Product: Credit reporting or other personal consumer reports

Account # XXXXXXXX XXXX XXXX XXXX This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed all three of the credit reporting agencies reports for myself. The show as follows : XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$710.00}. 

Equifax Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

The balances on all of our accounts ( 1 real estate/1 car payment ) is {$29000.00}. The total monthly payments we pay ( 1 real estate/1 car payment ) is {$1100.00}.

We have some additional credit card accounts, but there is XXXX balance on them, and has been that way for years.

I have contacted XXXX  previously, however, they refuse to change the numbers on my credit report. Can you help me? As I strive to maintain excellent credit information, when you look at these credit reports, it indicates that I owe more than TWICE as much as I actually do. I am furious about this. Please help.
Product: Credit card or prepaid card

On XX/XX/, I went through the ATM at my personal bank to withdraw funds from my checking account using my debit card for unemployment income. My ATM gave me a receipt showing the amount ( {$500.00} ) I wanted to withdraw and showed my balance with that amount deducted, but I received no cash ; the ATM did not disburse my money to me. I spoke with the Bank ATM clerk, and went inside the bank to inquire how to get my money. I was told I needed to contact US Bank ( on whom the card is drawn ), so I called 5 times before getting to speak with a person. I was told that I needed to wait 10 business days to get any resolution ; the situation would be referred to the ( investigation dept? ) for review. I was extremely livid that I could not receive my money right away. I was also told that I would receive communications through the mail ; I have not yet received any type of communications. I believe that my 10 days are up Tuesday, XX/XX/XXXX, at which time, I plan on following up with US Bank to find out if they have resolved their issue. I am being patient as possible at this point. 
In addition to this issue, I feel I being charged overtly incorrectly for the use of my card. Each time I withdraw funds at my personal ATM I am being charged {$5.00}, but I also am seeing I am being charged {$1.00} in addition. I do not understand this and I was not provided sufficient explanation for that. 
I had initially requested having my unemployment funds direct deposited into my personal checking account, but was told that was not possible due to my living in VA am out of that network. I feel that this also is unfair ; it is not my fault that I had to move to VA to be closer to my family, yes it was a choice, but a necessary one. 
Therefore, I feel there is a better option that could be attained for my situation. If a check in the mail, that might be better than being charged for using my own funds. I have been in such desperate attempts to gain employment and after so much time, and so many fees charged to me by US Bank to use the debit card, I have lost much money and also am quite stressed over these issues. 
I need some resolution soon, and I wish there would be another option for me to receive my money. 
Appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I spoke to a representative with XXXX XXXX  regarding my debt owed to time payment corporation. I was offered a settlement by legal representative XXXX XXXX, who informed me that my debt would be cleared with both XXXX  as well as the original creditor, XXXX XXXX XXXX. I have attached the receipt from me paying off that debt and months later I receive letters from Markoff Law threatening me with further legal action if my balance is not paid. I am distressed and ashamed that I have to go through this after I have paid off my debts!
Product: Credit reporting or other personal consumer reports

XXXX clear on this request I'm not asking but informing the credit reporting agencies EQUIFAX, XXXX and XXXX that they are not abiding by laws in place for improperly and inaccurately reporting information to my crefit profileXXXX XX/XX/XXXX I disputed the validity of a late payment with XXXXXXXX XXXX XXXX mortgage acct XXXX stating I was late on a pament dated XX/XX/year> The XXXX parties above have responded that it was validated by XXXXXXXX XXXX XXXX so at this point I would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXXXXXX XXXX XXXX if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) Alternative Dispute Resolution this matter had caused a lot of headache and works against my crefit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an identity theft issue I contacted all 3 credit reporting companies to freeze my credit.I had no problem placing a freeze at XXXX or XXXX  using their website. After opening an account online with Experian I applied for a credit freeze using the form on their site. I was told that they couldn't activate a freeze with the info I gave them even though I had no issues with the other 2 companies. Tried calling & got sent to their automated Freeze center which told me I had to mail in all sorts of personal info including my SS #, drivers license copy, ect. 
Not only is mailing this info dangerous but it needlessly delays activating a freeze. The Experian website is set up to make the free services that they are required to offer as difficult as possible while trying to sell you services & upgrades you don't want.
Product: Payday loan, title loan, or personal loan

I took out a loan of {$500.00} in XX/XX/XXXX. In XXXX of XXXX, one payment needed to be deferred and asked to be placed on the end of the loan. What was not explained was that this would cause the loan to be tripled, and in fact stretched out until XXXX of XXXX. I reached out to ask how was this possible, and that I had already paid almost three times the loan back. I was then explained that my loan was not through Spotloan, rather another company titled XXXX XXXX XXXX. 

This was never explained to me as well. I feel that Spotloan and XXXX XXXX XXXX  are utilizing unfair, deceptive, and abusive acts and practices. We are in the middle of a pandemic, and most citizens ( like myself ) have to choose between working and home schooling children. I am okay with paying what is owed but to extend a loan for 5 more months because of one payment deferral is insane. In addition, I apparently have a loan with a company I never agreed with or knew I was borrowing from. I've asked for calls back and they keep saying someone from their " legal team '' will call me but never have.
Product: Mortgage

My Wife and I live in a small rural community in GA. We applied for a 30 year fixed rate mortgage on XXXX. We received confirmation that our request had been approved and the current interest rate locked in - subject to further processing, verifications, an accurate and adequately supported opinion of the market value of our property, etc. My Wife and I met with the Lender 's approved appraiser and she performed an in-depth inspection - all the time complimenting the various upgrades and design additions we had made - all, in accordance with current code requirements. We eventually received a copy of the appraisal which was indeed {$12000.00} more than the 80 % requirement for our loan request. My Wife and I inquired if the estimated loan closing costs could be reduced if we further reduced our requested loan amount - we were expecting State and Federal Income Tax Refunds. Our Mortgage Loan Officer responded by a voice-mail message and e-mail, that if we reduced our loan request to 75 % of the Fair Market Value - as supported by their appraisal - there would be {$0.00} closing cost, if we would agree to take an interest rate of 4.000 %. My Wife and I applied all of our tax refund dollars to the principal balance in order to reach the 75 % loan-to-value amount. On XXXX, we received a new Good Faith Estimate indicating the reduced loan amount, " higher '' closing costs and a different interest rate! My Wife and I began a crusade of telephone/e-mail communications to ask for clarification, but no one would respond - not, the mortgage loan officer, the assigned loan processor, or their individual supervisors. On XXXX, via snail mail, we received a " Notice of Action Taken '' dated XXXX that simply stated, " We 're unable to approve your request for a Home Loan because : The TYPE of property or the CONDITION of the home is not acceptable. '' The effective date of the Lender 's appraisal was XXXX! We believe that if this scenario is investigated, it will support the fact that there exists mortgage credit discrimination within XXXX XXXX XXXX Appraisal Documentation Guidelines which " deny '' equal opportunity/fair housing lending in small rural communities. PLEASE INVESTIGATE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request.
Product: Credit card or prepaid card

Capital One : On XX/XX/XXXX I got a call from Capital One advising that an application was opened in my name and they want to verify the information. 
On XX/XX/XXXX, I get the message from my phone and I call them back. 
The first thing I advise is that the name they said the application was opened with, is actually not my name. 
The agent asked for the last 4 digits of my social security number and I refuse to provide it. I ask her why would I continue to provide confidential information on an account that is not mine. The name on the account is not my name. I insist she must have another way to verify the account. 
She then looks to the city and state where the account was open and we discover that I do not live in that city/state ... and so again the account is not mine. Yet she is telling me that she can not close the account because I won't give her the last 4 digits of my social security number..but that she will instead notate the account that I called. 

When I am not pleased with this she transfers me to the fraud team only for that person to advise that he needs to transfer me to the application team because he can't see the application. So I transfer back to a different agent, clearly the account wasn't notated because she wants to start from the very beginning and now I am frustrated. In the end she does nothing. Says she can not help me. 
I don't understand the logic here. You called me and I am returning the call. We have verified that the name is not mine and the city/state is not mine and I am advising that I haven't opened an account. Why would you expect me to continue to reveal my personal information on an account that I am advising is not mine. I don't have an account with Capital One. I would not have an account as they serve people who are at the lower end of the credit rating scale.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not accurately reporting my payment history with the account that is reporting on my credit report under 15 USC 1681 ( e ) b Compliance Procedures XXXX is knowingly reporting a late payment falsely according to the class action lawsuit brought upon them by the CFPB and it has been affecting my credit. The lawsuit states that they admitted they were falsely reporting late payments on peoples credit report. How do you guys sleep at night, knowing you've affected peoples lives? 

The Company really did people wrong and messed with my livelihood. I will not stop until I get my specified remedy. 

" The CFPB also claimed XXXX knew it provided inaccurate information yet took years to take reasonable measures to address the problems '' XXXX This is crazy to me and makes me angry to know you knew. 

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

My student loans have been dismissed due to XXXX XXXX  XXXX   XXXX still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.
Product: Credit card

On XX/XX/XXXX - XXXXXXXX XXXX, I noticed multiple unauthorized transactions on my Chase credit card statement, totaling. I immediately contacted Chase Bank to report these transactions as fraudulent. A representative assured me that an investigation would be conducted. 

On XX/XX/2023, I received a letter from Chase Bank informing me that, after their investigation, they determined that I was responsible for the disputed charges. This decision left me both surprised and concerned, as I have always diligently protected my card and promptly reported any unauthorized use. 

Following the receipt of the initial decision letter, I contacted Chase Bank to request a review of their findings and an explanation for their determination. I believed that this was a clear case of fraudulent activity, and I expected a fair resolution. I requested that they reopen the case for further investigation. 

On XX/XX/2023, I received another letter from Chase Bank, stating that they had completed their investigation and that I was still responsible for the disputed charges. This decision left me even more perplexed and frustrated, as I was not provided with any substantial evidence or justification for their conclusion. 

On XX/XX/2023, I made another attempt to obtain more information from Chase Bank by speaking with their customer service representatives. Unfortunately, I was informed that they were unable to provide any written details of the investigation or any specific reasons for their determination. 

Attached to this letter, you will find copies of both letters from Chase Bank ( dated XX/XX/XXXX and XX/XX/2023 ) for your reference. 

I have followed the proper procedures for reporting fraudulent charges promptly and diligently. I have cooperated fully with Chase Bank throughout this process, and I have received no substantive information to justify their decision. I strongly believe that I am not responsible for the unauthorized charges on my account, and I am seeking your assistance in resolving this matter fairly.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} 2. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} 3. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} 4. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} 5. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$690.00} 6. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} 7. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} 8. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} 9. FIRST XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express any concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles failed to investigate my claims adequately. They informed me that recovering funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I requested physical evidence to validate accounts : XXXX XXXX and XXXX XXXX XXXX from the credit reporting agencies. The documents were not produced. As per 15 US Code 1681 ( e ) ( b ) 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. 
They have violated my consumer right by reporting false and inaccurate information on my credit report. 
Please see attached letter mailed and received by CRA.
Product: Payday loan, title loan, or personal loan

On Thursday, XX/XX/2019 my vehicle, a XX/XX/XXXX XXXX XXXX was repossessed by BMO Harris Bank, N.A. for what I presume was for unpaid late charges of {$200.00}. Since Thursday, XX/XX/2019 I have tried on numerous occasions to contact BMO Harris Bank, N.A. in order to resolve the issue. However, I continued to be transferred to different telephone numbers and told to the persons I have spoken to, XXXX XXXX, XXXX XXXX, XXXX XXXX (? ), XXXX XXXX, and XXXX XXXX that they are " sending an e-mail '' to someone who will contact me. 

As of today, Tuesday, XX/XX/2019 I have not been contacted by BMO Harris Bank, N.A. and remain without the use of my vehicle. 

All payments have been made in accordance with the coupons in the bank 's payment book and mailed well in advance of their ten day window for receipt prior to a late fee attaching.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies.
Product: Credit reporting or other personal consumer reports

Removal of all fraudulent accounts associated with US code 15 USC 1681 due to multiple data breaches