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

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I don't know why this company is making threats to me in the attached letter. I have tried asking the company for a copy of the contract and they have not produced it. There's no way for me to know how much the debt is for and how much the fees are without the original contract. Simply sending me bank statements does not establish that anything is owed and is not enough information. These companies are attempting to collect on a a debt not authorized by an original agreement or permitted by law in violation of the FDCPA and CA RFDCPA. I am requesting that they do not call me and that they communicate with my authorized representative only.
Product: Debt collection

Company Weltman , Weinberg & Reis Co., LPA first contacted me back on XX/XX/XXXX with claims of an owed debt. The debt being requested was not mine and appeared to be fraudulent. Weltman, Weinberg & Reis Co., were then as to validate the said debt owed, and they were informed that they had 30 days to do so per FDCPA regulations. They failed to adhere to federal regulations and have since reattempted collection procedures dating to XX/XX/XXXX. This company is in major violation of my consumer rights, and has committed multiple violations under Fair Debt Collection Practices Act, 15 USC 1692.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

a person who I don't know, went into the TD Bank Branch in XXXX Pa and took a standard deposit slip accidently wrote my checking account number on the deposit slip and deposited XXXX into my account. now my question is, why the teller didn't verify the person on the account when the person gave her the cash and deposit slip, certainly she typed in the account number, instead they just processed the transaction. so when I went into my account online, naturally I saw the transaction, printed the deposit slip and receipt of the transaction and took it to the TD Bank Branch in XXXX XXXX   XXXX, Pa, where I work. and XXXX told me that it would be corrected in 30 minutes. that was at approximately XXXX XXXX. it was corrected, but I am fearful now that some stranger has my account number on the deposit receipt he acquired after the transaction. my complaint is that no one verified who this person was or the account information with him.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between company XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. 

The details of these accounts are as follows : Credit Systems INTL, Acct # XXXX, XXXX XXXX, Acct # XXXX & Acct # XXXX, XXXX XXXX, Acct # XXXX, XXXX Funding, Acct # XXXX and First Progress, Acct # XXXX These companies are 3rd party debt collectors. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and CAN NOT be reported to your credit report. It is important to have these accounts removed immediately.

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, XXXX, and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. 

Neither the financial institutions, Credit Systems INTL, XXXX XXXX, XXXX XXXX, XXXX Funding, and First Progress nor the consumer reporting agencies, XXXX, XXXX, and XXXX, have my consent to furnish this information, and they certainly do not have my expressed written consent. Any previous consent given to, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now REVOKED. 

The Furnishers of Information to credit agencies including : Credit Systems INTL, XXXX XXXX, XXXX XXXX, XXXX Funding, and First Progress did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Accounts that are being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). Credit Systems INTL, XXXX XXXX, XXXX XXXX, XXXX Funding, and First Progress are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.
Product: Money transfer, virtual currency, or money service

I did send money to XXXX on XXXX XXXX by using Money Gram app throw my phone the amount is {$7400.00} including there transaction fee but money gram franchise didn't give money to receiver by saying amount is to high told sender to cancel transaction and send it to you in small amount so i cancelled the transaction and received notification with Reference # XXXX that i will get my money back by XXXX XXXX. Which i didnt received so i call money gram to see whats the status they told me we are sending your case to review to appropriate department after 10 days i received email from them issue is resolved i will receive money in 2 to 3 business days but i didnt so i call again they saying we send it to your bank talk to your bank i went to my bank XXXX XXXX XXXXXXXX XXXX we didnt receive money so i put a claim to investigate bank did all the investigate on there end and sent me reports thats there no error and money didnt received from XXXX XXXX i need to talk to them again so i call money gram. Its been 8 months now i didnt received the money every time i call them they say we sent the money talk to your bank saying there is no money received from money gram. Every time i call they put the the case for investigate and i received the email after 10 days we sent it to your XXXX BANK on XX/XX/year> talk to them. Bank saying money gram doing fraud with you. I am looking for help from CFPB right now this is my last hope. I hope CFPB take action and contact to both end.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, they do not belong to me, please check them, they are hurting me Identity Theft MILITARY STAR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft US DEPT VETS Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT VETS Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative in the Consumer Affairs Division of Experian regarding false/inaccurate information that is intentionally and willfully being reported by Experian, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( the debt collector ). I provided indisputable proof, by way of fax, that shows the amount of {$1000.00} was the amount owed, according to the Court ; however, Experian, XXXX XXXX, and XXXX XXXX systems tripled the amount to XXXX and has been wrongfully reporting {$2900.00} for about six ( 6 ) years. The are all aware that under the Fair Credit Reporting Act that inaccurate information must be deleted ; however, they continue to DEFY the law in an attempt to oppress and cause further harm by continuously reporting information that they know to be false. Further, I was told by the assistant leasing agent that I could move -- with no further financial obligation- after reporting several incidents involving safety and other criminal activities by people XXXX had allowed to move into the community. Further, I did not receive Notice of the Court date, even though the correct address was in the Court 's file and on my counterclaim. I have no doubt that had I been provided with Notice ; the outcome would have been quite different. Nevertheless, Experian is reporting information that it knows is false, and I asking for assistance in correcting this matter right away.
Product: Payday loan, title loan, or personal loan

wellsforgo close my account with out me knowing
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating " they do not report any bankruptcies to anybody. So if that's the case, how did the credit bureaus validate my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Debt collection

I had a credit card with Synchrony Bank which got stolen in a airport some years ago. 
I reported the fraudulent charges and situation to the bank and even asked why they allowed for such irregular charges to be made. 
They removed the charges and later on I began getting statements to pay back the charges I did not make. 
They did not honor their police of zero liability for fraudulent charges and instead had reported this to credit bureaus damaging my credit and sending it to a collection agency, XXXX XXXX XXXX. 
I provided the debt collector with my affidavit as well as additional information to sustain my claim of not recognizing the charges and its still shown in my credit report.
Product: Checking or savings account

I deposit a check on XX/XX/XXXX to Fifth Third Bank and I was told it be off hold XX/XX/XXXX. I go back on XX/XX/XXXX to get my deposit and I was told its been put on hold till XX/XX/XXXX. I was told as a federal law to hold checks For a week. I received a cancel check from my employer that paid me for a job. The money has already been released within XXXX days of deposit. I still do not have my deposit.holding funds has made me late with my rent and other bills, some is day to day late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous times with Transunion and creditors to resolve this issue and have been completely ignored
Product: Vehicle loan or lease

Attached please find proof of payments from bank account of XXXX  XXXX XXXX. This account was never late. All payments were made every single month. Also, I am awaiting for my Affidavit of Truth to be answered, every Fact in the Affidavit needs to be answered.
Product: Mortgage

Since XXXX of XXXX my loan has been transferred to Caliber Home loans. The first month after acquiring my loan Caliber attempted to change my monthly payment. In XXXX of XXXX Caliber sent me a refund check stating that I had overpaid. Soon after that I noticed that they were escrowing my taxes and insurance. Since my retirement I have been paying my own real estate taxes. The insurance has gone through my previous mortgage company but I would rather get my own insurance. All of this was being done despite the fact that my previous lender sent out a letter stating that the terms and agreements in loan would not be changed. Each and every month I sent my mortgage payments to the post office box listed for Caliber and the payments were received on time per my postal delivery confirmation printout. The payment for XXXX XXXX was never sent to my bank. I mailed that payment to Caliber, the same address that I had always used before, on XXXX XXXX by priority mail. I finally received the check back around XXXX XXXX from a different mortgage company that was also in Texas, undoubtedly XXXX that they know. Caliber has charged me about {$420.00} in late fees for XXXX. I know for a fact that it is not possible because I have always sent my payments with delivery confirmation that shows the date in which Caliber received my payment. I believe that this company is attempting to manufacture a default. The late charge is {$25.00} and even if I were late every single month, the most the late charge could be is {$300.00}. This company is now claiming that I owe them over {$9000.00} in fees and payments. I am retired and have always made my mortgage payment every single month. They are trying to steal my property. My XXXX payment was received at their address on XXXX/XXXX/XXXX but the check was n't processed at my bank until XXXX/XXXX/XXXX. They have just sent me a right to cure default letter threatening foreclosure in XXXX.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST Dear Sir or Madam : I am a victim of human trafficking debt bondage. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a current bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I have provided all needed documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 ). 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

These accounts should not be furnished on my consumer report as they are in violation!! 

XXXX : Debt Collector Name : AlDOUS AND ASSOCIATES Original Lender : XXXX XXXX XXXX XXXX Age Of Account : 1 Years, 11 Months Highest Balance : {$260.00} Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENEP, to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN ENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

This is the second time this month!!
On   XXXX   XXXX   I deposited {$620.00} to my checking account, this would bring my balance in the account to {$930.00}. However Key Bank only gives you {$100.00}. of the deposit on the day it is deposited.
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On   XXXX   XXXX   I wrote a check for {$300.00}. and deposited it into my business account at another bank and I had a direct withdraw from my account for {$140.00}. Now even though I had a pending deposit they charged me an overdraft fee AGAIN!! This is wrong!! They can process my check from another bank the same day, but they ca n't process my deposit the same day.
This is just wrong!! I also believe it to be illegal if I have a pending deposit that would more than cover the overdraft amount.
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your immediate attention an urgent matter regarding inaccuracies in my credit report. After a thorough review of my credit history, I have identified late payments erroneously reported on my account. Given the urgency of this matter and its potential impact on my financial well-being, I am requesting an immediate correction or removal of the inaccurate late payment entries. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. It is critical that these inaccuracies are promptly addressed to prevent any adverse effects on my creditworthiness. 

XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service I urgently request a swift investigation into this matter, and I kindly ask that you take immediate action to correct or remove the inaccurate late payment entries from my credit report. Your prompt attention to this issue is crucial in preserving the accuracy of my credit history and preventing any unwarranted negative impact on my financial standing.
Product: Debt collection

I was contacted by this company and they allege that I owe them a debt but I am not famailiar with this company or any financial relationship with them. I asked them to stop calling and any credit report activity as I am disputing this debt. i wrote them a letter an sent it certified mail but I have yet to recieve a response. please help me thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I spotted some unauthorized inquiries that needs to be deleted effective immediately.
Product: Credit card

Bank of America XXXX was closed out by Bank of America. XXXX has charged a {$75.00} annual fee the month prior to deciding to close out my account. I have requested that BAC reverse off the annual fee which they are refusing to do so. 

I have talked to XXXX area on this account and reversing off the annual fee. I 'm being told that they will not reverse off the annual fee nor provide the agreed upon benefits for the card since they closed out the account and it has a balance on it. 

Bank of America is assessing me an annual fee that would provide benefit of new mileage points, discounted companion fee and free checked bags on XXXX. Since this account is close none of those benefits are provided. 

I requested that they product change to a no fee card. Once again this was refused. 

I have to question the legality and ethical behavior behind charging an annual fee on a card and not providing the benefits associated with that card. 

The last contact I had from a supervisor XXXX XXXX XXXX is that they have a contractual agreement with XXXX to charge the fee even when the account is closed. 

All my requests to have this escalated up to a XXXX level at Bank of America have also been stonewalled by representatives. It would appear that the institution is doing their best to not have the customer talk to individuals who can actually make an informed decision.