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

Dear Consumer Financial Protection Bureau, CFPB : I DO NOT OWE XXXX XXXX  NOR XXXX XXXX XXXX XXXX. XXXX XXXX  IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E ( PLEASE READ ), AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS. 

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT XXXX XXXX ) FOR {$58.00} ; THUS, CREDITING THE XXXX CHECKING ACCOUNT {$58.00}. 

( 2 ) REQUESTING XXXX REMOVE THE EXTENDED OVERDRAFT SERVICE FEE CHARGE OF {$23.00}. 



( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF XXXX CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX website is now showing shut down and or unable to submit my request to dispute wrong information and or negative items on my report.The first contact was XX/XX/year>
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a pressing issue regarding the inclusion of charge-off accounts on my credit report, despite multiple attempts to rectify the situation. I am seeking your urgent assistance to expedite the removal of these accounts and restore the accuracy of my credit history without further delay. 

Despite submitting disputes, the charge-off accounts on my credit report persist. This situation is causing undue stress and negatively impacting my creditworthiness, which is of utmost importance to me. 

I have attached supporting documentation, including previous dispute submissions and any pertinent evidence, to facilitate a swift resolution. 

Recognizing the significance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I am requesting your immediate intervention to expedite the removal of these charge-off accounts. 

Considering the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift removal of these charge-off accounts from my credit report. 

Timely resolution is crucial, as it directly impacts my ability to make informed financial decisions. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$8700.00}.
Product: Credit reporting or other personal consumer reports

XXXX, located XXXX XXXX XXXX, XXXX, Illinois, XXXX with XXXX. Employer Identification Number XXXX and Experian and XXXX are reporting inaccurate information to XXXX XXXX 's consumer report which seems to be an intentional attempt to commit securities fraud, and purposefully interfere with XXXXXXXX XXXX  pursuit of happiness. XXXX, Experian and XXXX are reporting that XXXX account number XXXX and XXXX account number XXXX are both charged off as bad debt which is inaccurate as you can see in the attached 1099-C copy B received from both companies the debts has been settled and cancelled. The courts have ruled it is inequitable to allow creditors to belatedly enforce an alleged debt after its received a tax benefit from the cancellation of debt. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST THE CONSUMER REPORTING AGENCIES.
Product: Debt collection

I am writing to file a formal complaint against Midland Credit Management ( MCM ) concerning their handling of an alleged debt, which I believe involves multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Issues : XXXX. Inaccurate Reporting and Lack of Debt Validation : MCM has reported this debt to credit bureaus with inconsistent amounts that do not match the original agreement. 
Despite my written requests, MCM has failed to provide validation of the debt, including a copy of any signed agreement or contract. 
XXXX. Unlawful XXXX Practices : MCM has contacted me before XXXX XXXX and after XXXX XXXX, violating FDCPA guidelines. 
They have continued communications via email without my consent, despite my written request for them to cease all communications, as stipulated in 12 CFR 1006.6 ( c ). 

Violations : FCRA Violations : Reporting inaccurate and inconsistent information to credit bureaus. 
Failing to correct inaccuracies after being notified. 
FDCPA Violations : Communicating at prohibited times. 
Continuing communication after a written cease request. 
Failing to provide proper debt validation upon request.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XX/XX/XXXX Re : Request for Debt Validation** Dear to whom it may concern I am writing to formally dispute the validity of the alleged debt referenced above and to invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq. 

In order to verify the legitimacy of this debt, I demand the following documentation : XXXX. A copy of the XXXX XXXX that demonstrates your legal authority to collect this alleged debt. 
XXXX. Complete evidence of the chain of title for this alleged debt, including any and all purchase agreements and assignments indicating the transfer of ownership from the original creditor to your agency. 

As you are aware, the FDCPA requires that you cease all collection efforts until you have provided me with the requested validation. If you are unable to produce the aforementioned documentation, I will consider the alleged debt invalid and expect that any negative reporting associated with this account be removed from my credit report immediately. 

Here 's the account information and question XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Additionally, please furnish me with a detailed account statement that clearly outlines the original amount of the debt, any fees or interest that have been applied, my payment history, and the name of the original creditor. 

I request that you respond to this inquiry within 30 days from your receipt of this letter. Failure to comply with this request will force me to consider taking further action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX
Product: Debt collection

I called the collection company in regards to the account asking for them to send me a copy of sign contract that I signed with there office. She told me that the collection was sent to there company and that 's why it 's reporting. I asked her to delete the account because I never signed and authorized contract with there company this was with the University i attended. She stated that they do not delete because it was sent over by the school. I ask her to send me validation she sent over a contract from XXXX XXXX  and not there office
Product: Checking or savings account

I reported that I was a victim of identity theft and car XXXX. The preps used my phone and debit card to access my accounts. 

They transferred a little over XXXX to a made up cash app account. They also used XXXX XXXX and pay pal to transfer money. I filed a police, FBI, and FTC reports to help my bank understand it wasn't me accessing my bank. So far pay pal has refunded me my money. While cash app and XXXX XXXX both have verified it wasn't me drafting my accounts. 

I feel my integrity is being attacked when it wasn't me. My monthly spending also proves I have never made transactions like this. 

I have a fraud number from western union that can be given to USAA also.
Product: Credit reporting or other personal consumer reports

I do not recognize these addresses. Please remove. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my 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
Product: Debt collection

In XXXX of XXXX, I moved locations and with it utilities services. 

It is my understanding that two issues occurred, which have resulted in a debt being sent to a collector, Berlin-Wheeler. 

First, the return of rented equipment ( a modem/router unit ) was not properly recorded by XXXX XXXX XXXX The equipment was returned to the XXXX XXXX location on XXXX XXXX XXXX XXXX XXXX, LA XXXX ), in XXXX of XXXX. XXXX XXXX states they do not have record of the equipment return, and therefore charged an amount of {$120.00}. I was not notified of this charge or the following debt. 

Second, to transition service to the new address, the service provider ( XXXX XXXX ) created a new account rather than transferring service on an old account. The old account was not closed by XXXX, balances were not transferred to my new account, and I was not notified the old account was still active and carried a balance of {$20.00}. 

These two issues combined, resulted in an unpaid balance of {$140.00} owed to XXXX. Eventually, the debt was sent to/bought by the collector ( Berlin-Wheeler ) XXXX XXXX of XXXX. Both Berlin-Wheeler and XXXX state that mailed notices of the balance, and later collection, have been sent, but I have never received a notice. 

I discovered a balance was owed to XXXX, and had been sent to/bought by a collections agency, from review of a XXXX and XXXX credit reports. 

Through XX/XX/XXXX and XX/XX/XXXX, I have tried to resolve with Berlin-Wheeler and XXXX XXXX XXXX Berlin-Wheeler, the collector, states that they do not have the authority to resolve. XXXX XXXX states that amount owed is valid, but can not provided evidence that equipment was NOT returned and deny they mishandled transitioning services to my new address.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX ** - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected Consumer rights to privacy and confidentiality under 15 USC 1681, Account XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. XXXX  Account # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX  XXXX Account # XXXX Account XXXXXXXXXXXX Account # XXXX XXXX  XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, Inquiries 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 XXXX has violated my rights. 
I looked at my experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a Consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning or providing individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And acc to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, any reinvestingation under paragraph ( XXXX ) of any information disputed.
Product: Credit reporting

XX/XX/2017 Trans union system updated my XXXX account informing me that XXXX collections with XXXX had been removed and I was reporting No collections and inquiries from XXXX sources had been removed and added right back. I contacted TU and was told they would look into this and provide a update to me after I submit PROOF of what I was seeing reported. I complied with all the required information and called to confirm all docs were received and was told yes XX/XX/2017. I have not received any information, yet the next file updated from XXXX XXXX only shows all the information was inserted back. I would like all the inquiries and reinserted collection accounts with XXXX XXXX to be deleted as they did not comply nor provide proper notification this info would be re inserted. I would like the inquiries to be removed XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed as reported on XX/XX/2017 ...
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees that have been applied to my account at Navy Federal Credit Union. These fees were assessed despite there being sufficient funds in my account at the time the transactions were authorized. 

The root cause of these charges appears to be the delayed posting of charges and credits, which led to my account being unfairly assessed overdraft fees. This situation has caused significant hardship in my daily life, as I relied on the available balance to cover essential expenses. As a result of the fees, I have faced difficulty managing my finances, including paying bills and meeting other financial obligations. 

This issue is consistent with findings by the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar practices by Navy Federal Credit Union, where transactions were processed as if there were insufficient funds despite the account having adequate balance at the time of authorization. I believe these practices are deceptive and unfair, and I respectfully request that they be reviewed and corrected. 

I am seeking a full refund of the overdraft fees, as well as an immediate review of my account activity to prevent such issues from occurring in the future. I would also appreciate any clarification on how Navy Federal Credit Union plans to address these concerns moving forward to ensure that customers are not unfairly penalized. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit card or prepaid card

Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute.  By way of this signed letter, I will continue with disputing the above listed information.  On the evening of XX/XX/XXXX, I placed a take out order for two #5 combo sandwiches and two #6 combo sandwiches.  The merchant made a mistake by giving me two #7 combo sandwiches (see attached sales invoice).  Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive.  Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they "rarely make mistakes", "I must be wrong" and that he records videos and voices of all his customers.  In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup.The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.
Product: Debt collection

Any and all proof that purchases were made and any information showing confirmation of debt, payt, orders etc they falsely claim I owed at said dates especially since they claim the acct was already written off at specific time period also totals Are radically falsified they contradict their own statements responding to my disputes. If you will see their statements you'll see clearly the entire delinquency file on me doesn't add up nor make sense the totals, time frames every aspect of SEZZLES claim is absolutely false, on top of that I wasn't even able to do business with them at the specific time period they listed because I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help with this and exposing this company to remove from myife, credit and history from any negative damages any further. Please
Product: Credit card

I have a credit with capital one and they reported a credit card payment of 30 days in XXXX of 2017 but they charged a late fee in XXXX which was refunded back to me because it was an error but they will not remove the 30 day late payment in XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed inconsistency and errors on my report. XXXX XXXX XXXX XXXX. Please investigate. This is unlawful to have incorrect info on my report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX for Violating Federal Laws Dear Equifax Information Services, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX for multiple violations of federal laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). These violations have had a detrimental impact on my credit report and financial well-being. 

Firstly, XXXX XXXX XXXX XXXX XXXX has violated 12 CFR 1006.34 ( b ) ( 5 ) by inaccurately reporting information to credit bureaus. Despite my consistent and responsible credit card usage, XXXX XXXX - XXXX XXXX  has misrepresented my credit history, resulting in unjustified negative impacts on my credit score. 

Additionally, XXXX XXXX XXXX XXXX XXXX has failed to comply with 12 CFR 1006.34 ( c ) ( 4 ) ( i ) which mandates prompt investigation and response to consumer disputes. I have submitted multiple disputes regarding the erroneous information on my credit report, but XXXX XXXX XXXX XXXX XXXX  has neglected to investigate and address these disputes in a timely manner. 

Furthermore, XXXX XXXX XXXX XXXX XXXX has violated 12 CFR 1006.34 ( d ) by failing to provide me with written notice of the results of the investigation into my disputes. Despite my repeated requests for updates on the status of my disputes, XXXX XXXX - XXXX XXXX  has neglected to provide me with any formal communication or resolution. 

Lastly, XXXX XXXX - XXXX XXXX  has contravened 15 USC 1681-S2 ( 7 ) ( A ) which prohibits the furnishing of inaccurate information to credit reporting agencies. The inaccurate reporting of my credit history by XXXX XXXX XXXX XXXX XXXX  has unfairly damaged my creditworthiness and financial standing. 

I urge Equifax Information Services to take immediate action to investigate these violations by XXXX XXXX - XXXX XXXX  and rectify the inaccuracies on my credit report. I request that Equifax Information Services work diligently to ensure that XXXX XXXX - XXXX XXXX  complies with federal laws and provides me with the appropriate remedies for the harm caused. 

Thank you for your attention to this matter and your assistance in resolving these issues promptly.
Product: Checking or savings account

Chase bank keeps denying me without allowing me to know why. They can not deny me as an consumer who knows my rights but they wont reply to mail and emails and customer service. I am expanding my social security number to them to recieve an checking and savings account but they are illigally not able to deny any person due to anything because i am an consumer.
Product: Money transfer, virtual currency, or money service

From : Cash App Support XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX  To : XXXX XXXX Subject : General Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi XXXX, My name is XXXX, and I am the manager at Cash App Support. I understand that you are having issues with your account. Thank you for bringing this case to my attention. 

We are legally required to collect the full XXXX digit confirmation per FDIC guidelines, and to confirm it is really you who owns this account. This information is not requested for checking credit and other related operations. 

To note, submitted information is encrypted to our servers securely, regardless of whether youre using a public or private Wi-Fi connection or a data service on your device. 

Hi XXXX, If you do not have an SSN, you can continue to send and receive up to the amount listed in your Cash App ; however, you might not be able to verify your account to send or receive more than these limits. 

We currently do not have an alternative method to verify your account. 

Since you will not be able to provide the information needed to send this payment, the payment was canceled. 
If you have any other questions, feel free to reach back out to Cash App Support. 

Warm Regards, XXXX Cash App Support Manager If you do not have an SSN, you can continue to send and receive up to the amount listed in your Cash App ; however, you might not be able to verify your account to send or receive more than these limits. 
WE HAVE NOT BEEN ALLOWED TO SEND ANY AMOUNT THE AMOUT LISTED ON OUR CASH APP IS {$14.00}