23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed Security Credit Systems which is on my credit for an  account they claim is through XXXX XXXX. Since i have disputed this as not mine they provided documentation from a company from XXXX XXXX and the documentation does not have any indication that it belongs to me or that i signed an agreement with XXXX XXXX. No Signatures, the information is all typed out and does not prove that I have an agreement with either of these names. This makes 3 names total. I need this removed from my credit as this is hurting me and they have called threatening to sue me and sending different letters/people to my home harrasing me of this debt that is not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX, I made a transfer for the amount of {$300.00} to a Bank account in XXXX using Remitly. Remitly advised the transfer should have been completed within minutes in this case Friday XX/XX/XXXX at XXXX. On XX/XX/XXXX I checked the status of the transaction and it was still pending. reached out to the company ( Remitly ) but at this time they do not have a customer service number or email working. they had a chat available which I used to address the issue and the CS advised that the transaction was being review by my bank in XXXX and that I should wait for about 12 hours since this is the normal time for a review like this. It is now XXXX XXXX, XX/XX/XXXX and I have not been able to get in contact with Remitly at all. Not through email, phone, or Chat. it is frustrating specially now with was going on now, not being able to obtain answers to an issue like this. Yet, they are ready to to take your money but not to solve the issue!
Product: Money transfer, virtual currency, or money service

The paypal account can not be Linked to the bank and withdraw cash. I have called the customer service representative many times, but I have not been allowed to Linked to the bank and withdraw cash. It has brought huge troubles to my life. Please XXXX help me! thanks
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Unauthorized Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Robo dialer calling me repeatedly 50 times in a row. Constantly calling over and over and over again. Without stopping. I've had to turn my phone off. And I've blocked the number and it still calls. Even after speaking to them it continues. Calls come at all hours of the day, early morning, midday, late night, doesn't matter, but it's almost always at least 20-60 times a day, every day for the last 2 months.
Product: Checking or savings account

First a week ago Bank of America closed my debit card with no explanation nor did they contact me, my card was declined, I had to contact them and still no explanation, so they sent me another card, I waited a week for the card, I followed instructions and activated the card went to use it and again declined, contacted Bank of America again and they told me my old pin was no good but never mentioned it when I received the card so they said the new pin will come a couple of days after the new card but was never told that so 1 times I was embarrassed at the store buying groceries only to be declined, very upset
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX unclear on amounts invald contract. Reported this violation to XXXX, XXXX  and XXXX  to conduct an investigation. Today XXXX XXXX I checked my credit through XXXX XXXX XXXX continues to report a open account which should be closed. World Omni Financial Corporation and affiliate Southeast Toyota Finance. Failed to follow the Fair Credit Reporting Act 1964,1970,2005. The Account is not valid and simply should list closed. This company failed to correct the errors according to a letter I received from this firm on XX/XX/XXXX. The errors were serious failed to bind the gap insurance of XXXX failed to make correction XX/XX/XXXX reflect the failure to make the correction on this contract. Contacted Southeast Toyota Affiliate and World Omni financial corporation. They fail to address the failure to address the mistakes made and are trying to enforce a invalid contract. Several errors on a contract for XXXX can not be taken lightly. I respected this company enough to make the corrections they refused and continue to break the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was a victim of a scam. A seller pretend to be a XXXX seller with which I paid him via XXXX. This seller turns out to be a small electrical company out of Maryland. The transaction was for {$4300.00} When I tried to contact the Bank to submit a claim, I was diverted to the online site. I submitted the claim, I submitted the wrong amount {$20.00}. I called the bank the next day and they advised me to just cancel the claim and resubmit. 

I was informed that the claim was fine and yesterday they told me I am not eligible and they have not done anything to process the claim. Since I submit the first claim. Again, I called them the next day after mistakenly submitting the wrong amount and they advised me to cancel and resubmit. I am doing this based on their advise. 

I have been a bank of Chase bank for 30 years and a private client. I will move all my accounts to another institution. I don't feel like they are looking out my best interest. I like to see if you can assist me in retriving this fund for a fradulent activity
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on Dispute Submitted XX/XX/year> Request for Immediate Action To Whom It May Concern, I am writing to follow up on a dispute I submitted regarding an XXXX XXXX XXXX account on my credit report. The dispute was submitted on XX/XX/year>, and as of today, I have not received any update or resolution regarding this matter. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and provide a response within 30 days of submission. It has now been more than 30 days since my original dispute, and I am concerned about the delay in addressing this issue. 

I am requesting immediate action to complete the investigation and remove the XXXX XXXX collection account from my credit file. This account is inaccurate and should no longer appear on my report. Please provide me with a written response and confirmation of your investigation results detailing the investigation and proof of the deletion as soon as possible. 

I appreciate your prompt attention to this matter and expect a resolution without further delay. 


Thank you for your time and assistance.
Product: Debt collection

This debt is not mine. I never had an account with XXXX ever. Someone may have used my information but this is not mine and needs to be immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I was at XXXX XXXX XXXX today XX/XX/20 and I was denied from opening an account with them because of my credit. They gave me a copy of my credit report and when I reviewed it, I saw that there are seven accounts on my credit history that I never opened. I have no idea why these accounts are appearing on my credit or who could have opened them using my information. I have never allowed anyone to open these accounts in my name nor do I have any written/verbal contract with any of these companies ; I have never opened an account with these companies and I never gave them permission to run and access my credit information. I did not benefit anything ( money, services, goods or any other benefit ) from these accounts that were opened without my permission and I already filed a police report regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet. I feel like Im being ignored and taken advantage of because I am disputing so many items on my credit report. Section 611 ( a ) of the FCRA plainly states that a failure to investigate these items within 30 days prompts the immediate removal of those items from my credit report. It has been over 60 days, so they should be deleted. I demand these items be deleted immediately, or I will file for litigation due to the stress that this situation has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

MBA LAW-I SENT IN A LETTER TO THE COMPANY ASKING FOR A COPY OF A CONTRACT BETWEEN MYSELF AND MBA WITH MY SIGNATURE, BUT HAVE NOT RECEIVED A RESPONSE OR A CONTRACT.

I HAVE NEVER HAD ANY BUSINESS WITH MBA AND DO NOT OWE THEM ANYTHING.

THERE ARE REPORTING {$410.00} FOR THIS ACCOUNT BEING OWED.
Product: Debt collection

" Midland Funding , LLC '' is a heavy handed collections company that " buys '' bad credit card debt for pennies on the dollar and then aggressively pursues the debtor. 
Since my ex husband was not taking care of his half of the debt, after the divorce, I decided to hire an attorney to help me negotiate his half since it was still affecting my credit. 
At the time of the negotiations, " Midland Funding '' only presented 1 account to my attorney. It was negotiated out of court and paid as agreed, even though the statute of limitations had past and they could no longer go after me legally. I really just wanted to clear up the damage on my credit that my ex husband had caused. 
Then, a few weeks later, I started getting calls and letters again concerning 2 additional accounts that they had also purchased at the same time as the settled account. The problem is " Midland Funding '' was/is required and should have presented all collection accounts they had in my name. They failed to disclose all accounts not only to my attorney but to the courts and the Judge. 
This all took place about a year ago and they are still contacting me by phone and by mail, even though they know my attorney, first hand. I calmly direct calls to my attorney and have turned over the letters to him. 
I do not want to take them to court. But I will if that 's what it takes for them to follow the law and rules of the courts. I really just want the calls and letters to stop or be redirected to my attorney. And if I am understanding the law, it is illegal for them to pursue me and to still report the other XXXX accounts on my credit report since they failed to submit all XXXX accounts at the time of negotiations and settlement. 
Thank you for this format to allow consumers to report illegal behavior.
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 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
Product: Debt collection

Week before XXXX of XX/XX/2021 I received a call at work and I told the guy to remove my work number from the account he tried saying I authorized to call my work and I did not and as of today XXXX XXXX the company again contacted my work which our work numbers are only for emergency use only and the lady wouldnt say where she was calling from until the third time I asked and I asked her not to call my work number again I did not authorized
Product: Credit card or prepaid card

Well i got capital one card never used it then it was used fraud and all charges on it were not made by me at all then i was fraudly paid off then i told them i did not make any of the charges and they cleared it so told them to cancel it i cut card up now on XX/XX/XXXX i got phone call and ssyed i owed it and the store is saying to them i did it but i never did and about to scream i found the person who did it her name is XXXX XXXX on XXXX and XXXX and her number is XXXX ( XXXX ) XXXX get her in trouble for fraud me
Product: Credit reporting or other personal consumer reports

Heres a dispute letter template to address the duplicate collections reporting issue : [ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Date ] XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding Duplicate Reporting of Autocredit Account Dear XXXX, I am writing to formally dispute the inaccurate and duplicate reporting of an account from Autocredit on my credit report. The duplicate entries are affecting my credit profile and do not accurately reflect my financial history. 

The duplicate accounts are as follows : 1. Account # XXXX : Listed as an installment account, opened on XX/XX/year>, with a status of Paid. 
2. Account # XXXX : Listed as an installment account, opened on XX/XX/year>, with a status of Closed or Paid with Zero Balance.

Both accounts are from the same creditor, Autocredit, and reflect identical information except for slight discrepancies in reporting dates. It is clear that this is a duplicate entry, which violates the Fair Credit Reporting Act ( FCRA ) by inaccurately representing my credit obligations. 

To assist with your investigation, I have attached the following documents : 1. A copy of my government-issued photo ID. 
XXXX. A utility bill for address verification. 
XXXX. Screenshots of the duplicate accounts as they appear on my credit report. 

Please complete this investigation and provide written confirmation of the resolution within 30 days, as required by the FCRA. 

If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this matter. 

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

I was stunned to find inaccurate accounts suddenly showing up on my credit report tonight. I have no idea how this happened! I check my credit report regularly, but this time there were discrepancies that appeared out of nowhere. I tried refreshing my browser, hoping it was just a glitch, but unfortunately, the inaccurate accounts stayed there. Im asking that the documents Ive submitted be reviewed carefully, so I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported inaccurate information on my credit report provided to them by a collection agency. I disputed the collection through Transunion stating the information was inaccurate. They did not properly investigate and they left the false information on my credit report. 
If Transunion would have requested proof of the debt before placing it on my credit report, they would have seen it was false. Its my understanding that not only a creditor but the credit monitoring companies have a responsibility to report accurate information and investigate disputes by verifying that information. 
The collection report filed by XXXX XXXX XXXX is set for deletion, although if Transunion would have investigated the dispute properly this collection would never have appeared on my credit report in the first place. 
Transunion had a responsibility during my dispute to investigate for accuracy and failed to do so.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent inquiries were made to my credit. I have already reached out to the credit bureau to resolve this issue by sending in supporting documents showing proof but they failed to remove the items and are breaking the credit law. Please have them resolve this matter by removing inquiries immediately listed below : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

NONE of the credit reporting agencies ( Experian, XXXX, or XXXX ) explain HOW a credit score calculation is done ( there is only information regarding what " % '' of a credit score is from various sources-e.g. debts, credit utilization, etc. ). Please INVESTIGATE EACH CREDIT REPORTING AGENCY and find out WHY there is NO INFORMATION given to consumers regarding HOW a credit report score is calculated!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file : DEPT OF EDUCATION/XXXX XXXXXXXX - {$10000.00} XXXX - {$4400.00} It shows that these accounts were both opened in XXXX. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

Thank you, XXXX XXXX
Product: Checking or savings account

The terms were not clear and I have repeatedly reached out to Commerce Bank about this issue! I want my account reopened. I spoke with a representative who told me otherwise on XX/XX/year> and advised that I speak with branch managers and people inside the bank for assistance. Then on top of that, I had to deal with the aggressive branch manager at the XXXX Commerce Bank who took a tone with me. I want my account reopened and the funds OR the data transferred to the new account! Commerce Bank has been extremely uncooperative with this and has done nothing to resolve the matter. The Commerce Bank representatives that you speak with on the main line say XXXX thing and then you have the people within the bank saying another that is different. I am not going to let this rest and I want them to do what they should allow so I can have my account back.
Product: Credit card or prepaid card

XX/XX/2021 I late for a credit card payment and when I had enough to pay on XX/XX/XXXX I submitted to pay but the computer took more than what it is programmed to do. custumer service represntatives said 2 days but more than two had passed but 4 days. XXXX Credit Card by Synchony
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to SANTANDER CONSUMER USA for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AL XXXX Dear Midland Credit Management, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
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, XXXXXXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

In XX/XX/2019 there were multiple inquiries not authorized by me. The only companies authorized are XXXX XXXX and XXXX XXXX. The others on XX/XX/2019 are not authorized.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX - Account Number : Unknown - Date of Charge Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter. 

Company reported their investigation was in progress XX/XX/XXXX ; on today, XX/XX/XXXX they still have not responded or completed their investigation