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

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit card or prepaid card

THIS COMPLAINT HAS NOT BEEN PREVIOUSLY SUBMITTED NOR ADDRESSED, AND IT WILL BE RESUBMITTED OVER AND OVER AND OVER AGAIN UNTIL IT HAS BEEN ADDRESSED. SIMPLE AS THAT. 

A copy of this complaint is also being MAILED directly to XXXX XXXX XXXX XXXX, Dispute Advisor at Barclaycard, at XXXX XXXX XXXX, in XXXX, DE XXXX. The fact of the matter is, Barclays have aided and abetted merchants in perpetrating consumer FRAUD in violation of applicable Banking laws and regulations. More specifically, Barclays continues to permit merchants to accept its credit card for purchases without requiring the merchant to issue refunds for the returned purchase to the original method of payment used at the time of purchase, and it also continues to permit merchants to accept the credit card and then issue refunds toward different method of payments other than the original Barclays credit card that the the consumer used at the time of the purchase. As a direct result of this improper, unfair and deceptive trade practice by Barclays, I have sustained financial losses and other compensable damages and have filed an appropriate civil lawsuit against Barclays to recover damages.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the unauthorized reporting of my educational record by XXXX to consumer reporting agencies ( CRAs ) Experian, XXXX, and XXXX. I am deeply concerned about the violation of my privacy rights and the lack of proper authorization for XXXX to disclose my personal information to these agencies. 

On XX/XX/year>, I previously lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning XXXX 's unauthorized reporting. Despite my efforts to rectify this issue, XXXX continues to report my educational record without my consent. I reiterate that I have never provided written permission to XXXX to report my information to any CRAs. 

Furthermore, I wish to highlight that there is no valid promissory note or negotiable instrument establishing any debt owed to XXXX. The alleged promissory note provided by XXXX contains inaccuracies, including a phone number that does not correspond to mine, indicating that it is fabricated. I maintain that I have not entered into any contractual agreement with XXXX, nor have I provided authorization for them to report my personal information to CRAs.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( 2 ), any disclosure of consumer information to CRAs requires explicit written permission. I demand that XXXX provide documented evidence demonstrating that I have granted them such permission. Failure to produce such evidence will be considered a violation of federal law. 

Moreover, I draw attention to the provisions of 15 USC 6801, which stipulate that my personal information must be kept confidential, protected from unauthorized access, and maintained as private. XXXX 's actions in disclosing my educational record to CRAs without my consent represent a clear violation of this statute. 

Furthermore, I am prepared to take legal action against XXXX for their fraudulent activities, including the forging of promissory notes and the unauthorized reporting of my personal information. I have already initiated legal proceedings against XXXX for violations of 8 USC 1324c, and I will not hesitate to include the CRAs as co-defendants in any legal action if they continue to facilitate XXXX 's unlawful practices. 

In light of the seriousness of these violations, I request prompt intervention by the CFPB to ensure that XXXX ceases its unauthorized reporting and that all erroneous entries related to my educational record are promptly removed from my credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had made purchase of litecoin from Coinbase a few weeks ago paying their fees and their basic cost. I happened to check my bank statement and they withdrew XXXX usdt from my bank account overdrafting my account for an unauthorized payment of the same exact amount I had paid weeks prior. I had called and confronted them and they said they cant discuss it further with me and hung up on me. I am one of many who has had this happen to them. No purchase was authorized and nothing was given in exchange for my money.
Product: Credit reporting or other personal consumer reports

The amount being reported by Applied Bank is incorrect. This account has been paid in full. 
The amount of {$130.00} was paid to XXXX XXXX XXXX  Spoke with manager XXXX XXXX and he assured me this would be resolved but it has not as of todays date. 

Original Creditor : Applied Bank Account Number : XXXX Previous Balance : {$130.00} Current Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate and fix this address immediately : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Please fix this inaccurate address as soon as possible. There are important data that is linked to that address that needs fixing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I was XXXX from XX/XX/22 to XX/XX/22 My bank account at Chase bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of XXXX and filed a police report, I have provided all the documents and they are still giving me a hard time. 
Chase bank XXXX XXXX card XXXX XXXX card XXXX XXXX XXXX to name a few
Product: Credit reporting, credit repair services, or other personal consumer reports

I open several disputes with Experian in order for them to delete accounts that do not belong to me. 

I sent them all the supporting documentation proving that the accounts are not under my name and still they are reporting it. They finish their investigation and said that the information is accurate.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX stated that I received a copy of my credit report and there is unknown inaccurate information listed on my credit report. There are misspelled names and inaccurate unknown inconsistent account information on my credit report. Theses companies has done nothing but ignore me and continue to violate my rights as a consumer by reported this inaccurate information every month which is negatively impacting my credit which is hurting myself and my family lively hood. Per 15USC 1681i these companies by law are supposed to investigate this information to make sure that it is 100 percent accurate before reporting anything to the public, which they DID NOT.
Product: Mortgage

On XX/XX/XXXX, I contacted Specialized Loan Servicing ( SLS ), my home equity servicing company to request a loan payoff. I was emailed the payoff which had a payoff date of XX/XX/XXXX. On XX/XX/XXXX I wired the amount requested on the payoff as instructed in the letter and was under the impression that my loan was satisfied and paid in full. On or about XX/XX/XXXX, I received a call from SLS, stating that the payoff amount was incorrect and they need an additional {$4000.00} for attorney fees that I was not aware of. I told the representative that I would need to speak with my attorney and if they could provide me with an invoice showing what the additional charges were for. I requested to speak to a supervisor and was told that one would give me a call back in 24 to 48 hours.  I did receive a call from the supervisor and was told the same thing about the attorney fees. I explained to him that it is not my fault that they ( SLS ) issued the incorrect payoff letter and now I was being penalized for their error. Needless to say, with the holidays and I could not afford the additional {$4000.00} and notice that on XX/XX/XXXX a deposit was made into my bank account for the amount I originally wired on XX/XX/XXXX. When I called SLS to complain again on XX/XX/XXXX they were no help and gave me the attorney 's contact information to get an invoice. I spent over 2 hours on the phone with no resolutions. I told that a new payoff letter was mailed to me on XX/XX/XXXX with a payoff date of XX/XX/XXXX, which is impossible considering that it takes more than 2 days for delivery of mail. I finally tried to get a new payoff letter from them and was told that they can not email payoff letters, which they did on XX/XX/XXXX and I would have to wait for the mail. As of today and almost 2 weeks, I still have not received the payoff. I reviewed a statement that they sent me and it shows that for the entire month of XX/XX/XXXX they charged me interest against the loan even though they received my wire on XXXX and kept it until XX/XX/XXXX, causing me to loss interest while they charged me interest against the loan. This is completely unacceptable that they can charge me interest wile holding my funds for 11 days with me losing interest. I spoke to representative on XX/XX/XXXX and she was of no assistance informing that they never applied the funds to my loan so they can go ahead and charge me interest since the funds were never applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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/XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized, inaccurate information. I have a late payment being reported from Credit Acceptance account number is XXXX, and according to FCRA 15 USC 1681a 2 ( a ) ( i ) a consumer report does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report. According to the FCRA these laws are stating this account needs to be updated or this account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to give me a free credit report. They are trying to sell products on the website and will not give me an online report like the other two credit bureau. They have a form for submission ; however, the information they want is prohibitive, equivalent to applying for a mortgage. I need my report ASAP
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted earlier this year by a person claiming to represent XXXX stating that I had a past due balance on my account. At that time, I was unaware of any balance due, and had already turned in this leased vehicle to the dealership months earlier, in favor of a renewed lease on a newer vehicle. While speaking to the agent on the phone, I logged into my account at XXXX, and saw that I have a {$0.00} balance. My most recent statement for this account was dated XX/XX/2019 and showed Total Amount Due {$0.00}. 
Considering I had an unknown person calling me unsolicited and asking for money, while giving me conflicting information from what my online statement showed me, obviously this raised red flags. The agent was unable to tell me why my online account showed no balance due, or what the amount owed was for. The agent advised they would mail me an invoice showing me the balance due, which I agreed to review and pay if it was in fact legitimate. 
This invoice never arrived. I have still yet to receive any piece of paper showing what the balance owed is for. 
Moving forward, I have been in the process of refinancing my home. Earlier this month, my mortgage broker advised me that they noticed a sharp drop in my credit score from one day to the next. I immediately reviewed my credit report to find that XXXX reported my account as seriously delinquent, for a vehicle I had turned in more than six months ago, and for an account to which I have no statement showing I owe any money. To add to this, my account was enrolled in autopay, which served to pay any balance for the duration of my lease. Any money owed should have just been debited from my account, but that is not what happened. 
I have since attempted to resolve this matter with XXXX XXXX XXXX over the phone over multiple occasions. I was transferred, hung up on, and lied to. I was told I would receive a call back from a manager within 72 hours, only to find out a week later that no managers make outbound calls, and that there was no record of that request on my account. 
I have since paid the balance due, despite still not seeing any invoice to indicate what it was for, as my concern for the $ 300+ dollars that I was told I owed is far less than the impact this has taken on my credit report. I have worked very diligently throughout my life to maintain a flawless credit score, however this incident has taken me from over 800, to in the 600s at the time of this writing. I am in the process of trying to refinance my home, and this incident is severely impacting my ability to do so, and in turn costing me FAR more money than the {$300.00} XXXX requested ( and in turn received ) from me. 
I have now sent a letter in writing to XXXX, as I was told this is the only method I am able to communicate with their disputes department. I initiated a dispute with XXXX when this first appeared ealier this month, however just today this has now appeared on my Experian report as well, despite having already been paid! 

I have attached the most recent statement I have for this account.
Product: Vehicle loan or lease

Hello. I had an auto loan with Wells Fargo from XXXX XXXX XXXX  and heard of the Wells Fargo lawsuit and believe I maybe affected by this. I am military and moved from the original location of where I purchased my vehicle ( XXXX ). I am unsure of who to contact about this and was directed to you.
Product: Checking or savings account

First Midwest Bank is a predator for poor people. 

I am constantly charged excessive overdraft fees even when my account is not in the negative. I estimate about {$500.00} a month in over drafts and extended over draft fees each month from this bank. 

In the month of XXXX I deposited a total of {$5500.00}. I spent a total of {$4100.00} and I paid a total of {$490.00} in overdraft fees. 

XX/XX/2018 I received a direct deposit for {$920.00} and received an Overdraft fee of {$32.00} the same day. 

XX/XX/2018 the day of my direct deposit I got an over draft fee the same day for {$36.00}. 

On XX/XX/2018 I reviewed a direct deposit payment of {$1800.00} I made purchases of {$180.00}, {$12.00}, {$1500.00}, {$3.00}. and the next charge that exact same day is a CONTINUOUS OVER FRAFT FEE FOR {$32.00}. 

On XX/XX/2018 I has a direct deposit go in for {$1800.00}. My account was not in the negative however the following day I was still charged an overdraft fee. 

On XX/XX/2018 I deposited cash to cover a check that had not yet cleared my cash was held the for days and I was again charged an overdraft fee even though I provided funds to cover it. 

If you deposit cash in a branch or at the ATM it is held like a check. This bank does not trust CASH. 

No transaction is ever declined. They will except any transaction rather you are in the red or not in order to charge more fees. 

There are virtually no ATMs for this bank except for the branches so you are charged fees from both First Midwest and the ATM service to access any cash. I have been charged as many as 5 overdraft fees in one day. 

You don't even get until the end of business to cover a transaction if it posts early. I get charged a fee before a transaction is even cleared. 

Almost half of my income is going to overdraft fees. It has become impossible to manage my account because of this. I make $ XXXX a year and I can barely cover my living expenses because First Midwest is  literally robbing my account as soon as I get a dollar. 

They have never offered me a resolution. I find a way to justify each transaction and will even go so far as to yell at you. I fell like a victim. This is the worst back I have ever done business with and I have had a bank account since I was XXXX and I am now XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX agency was not given authorization or permission to release this information to my credit report. Also, it violates consumer law and is grounds for a lawsuit, in violation with Federal consumer laws and also the most recent supreme case laws. Only credit transactions and loans are reported to the credit report, with the permission of the consumer. I HAVE NOT given permission or signed any contract. I have NOT received any contract of my consent or validation or proof of debt with my permission. Other credit report agencies have removed this item in compliance with the federal laws. Not removing this item is grounds for lawsuit, in that, injuries have been accrued on my end. XXXXXXXX XXXX XXXX, as also solicited my social security number from the other participant, with the intent of collecting money not only for him, but also for themselves, which is Aggravated Identity Theft. Department of Child Support services, receives 66 % of every dollar they collect, and to ask for my SSN without my permission, also violates the federal laws and is fraud and criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days since I sent my letter and I have yet to receive a response. I'm not sure if my disputes are being ignored and I am being taken advantage of. It is stated in section 611 ( a ), that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 60 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. I feel that these accounts are adversely affecting my credit report and costing me countless dollars in interest. My information was also impacted by the XXXX Data Breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of this unknown inquiry from my record, despite these attempts to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the unknown inquiry from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the unknown inquiry : XXXX XX/XX/year>.