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

To whom it may concern : According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Debt collection

I am filing an official complaint against the following business : XXXX XXXX XXXX ( XXXX ), Portfolio Recovery Associates, XXXX XXXX ( XXXX XXXX XXXX ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX and Portfolio via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX/ and Portfolio via certified mail on XXXX XXXXCopy of certified mail return receipt, proving that XXXX and Portfolio received my debt verification letter on XXXX
Product: Credit card

I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.
Product: Bank account or service

On XX/XX/2017 I attempted to pay health insurance premiums online for myself and my daughter. After the transaction was declined I contacted Wells Fargo and discovered that they had arbitrarily set a {$2000.00} spending limit on my debit card. The initial representative I spoke with offered to increase my limit to {$3000.00}. She then informed me that her request was denied by " the system. '' When I asked why I was unable to get access to the money in my account I was told by the Wells Fargo representative that it was for my own protection. My identity had been verified by the representative so I am wondering from whom I am being protected, myself?? I also spoke with a " customer care '' representative named XXXX. She basically repeated the same thing I was told by the first representative. Given that I was facing a deadline for purchasing insurance I was extremely frustrated and asked what recourse I had. I was told I could go into a bank the next day and ask for an increase or give the insurance company my account and routing number. Time was of the essence so going to the bank the next day was not a viable option nor was providing my account information to the insurance company because there was no mechanism to do so. I asked what recourse I have as an unsatisfied customer. I was told I could get a complaint number ( which I did ), that the complaint would be taken into consideration when policy discussions were held, but there was no guarantee that anything would change in the future and no further follow-up would happen unless I followed up myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open unauthorized accounts in my name. 

XXXX XXXX : Acct # XXXX, Amount XXXX XXXX  : Acct # XXXX, XXXX/XXXX : Acct # XXXX, Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA
Product: Checking or savings account

On XX/XX/XXXX I noticed my debit card had been charged XXXX times at XXXX dollars each totaling XXXX dollars for google play. I have a monthly recurring charge of {$6.00} for XXXX aware services and hundreds of dollars of Google equipment in my home. Google will not return these unauthorized charges due to my prior/current recurring payment history. I have disputed these charges once through my financial institution and twice through google as of today.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX XXXX XXXX {$50.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX XXXX {$880.00}, Opened XXXX XXXX XXXX XXXX XXXX {$4000.00}, Opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

XXXX Opened a business checking account with Wells Fargo XXXX Deposited a capital contribution XXXX The business did not launch and no revenue. 
XXXX Closed the bank account XXXX Wells Fargo issued a cashier 's check to me in the name of the business with the remaining balance in my account. 
XXXX I went to the local Wells Fargo branch to cash their cashier 's check made out to my company but they would not cash it because they said the account was closed and their check was payable to my business. No kidding! I closed the account and I was the sole proprietor. 
-Made 11 calls to customer service and 3 visits/appointments to the Wells Fargo branch . Spend 10 plus hours trying to get my money back. 
XXXX They send me an email saying if I dissolved my XXXX XXXX they may reissue in my name XXXX. I dissolved the XXXX XXXX XXXX. Went to the branch with the XXXX dissolution from State of PA and they still would not re-issue their cashier 's check in my name nor give me my money -I did attempt to file a complaint with the XXXX of PA but they said the bank had a federal charter and referred me to you.

-At least one Wells Fargo employee told me this was a recurring problem/complaint with other customers.

-I believe they are trying to unlawfully keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX DOB XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
CONSUMERPORTFOLIO SVS # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
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 accurac
y.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXXour ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX XXXX XX/XX/XXXX Furthermore, I request the removal of all unknown addresses associated to this identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Consumer Loan

I sent a letter asking them not to call my home phone. This letter was enclosed with a check ... which has been cashed. Then when they called my home saying they had not received the check ( which by this time had cleared my bank, ) I told them again not to call my home phone. They called my home phone again. I have also requested ( in XXXX separate letters and each time there is a phone call, ) for them to send me the original paperwork and an amortization schedule and a total still due. This has still not been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is showing on my credit profile as derogatory and upon multiple request for validation Experian & XXXX Credit Reporting Agencies have failed to comply with FCRA laws and continue to inaccurately report this derogatory information to my credit file. As a law abiding tax paying citizen, it is undue hardship to be required to contiually exert my resources to correct this damage. There is no balance due to the XXXX XXXX XXXX XXXX or any of its collectiona agents or the XXXX XXXX XXXX on this over payment that has been inaccurately reported to my file. In addition in an even more desparate measure to remove this from derogatory burden I have not only paid the amount shown but additional fees attached and STILL to no AVAIL I received a letter from Experian stating the matter is valid and a balance still reports to my file. EVEN with attached proof and confirming with the XXXX and their collection agents who received the payment in excess of {$1000.00} dollars ( performace @ XXXX ext XXXX ) that there is no balance. What else can you do when even paying them causes such damage. I am emotionally distressed and directly damaged by this non sense that is keeping my children and family from having the home life that they so rightfully deserve. Please help if anyone is listening. See attached docs for reference ..
Product: Debt collection

Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -company/HP SEARS ACCOUNT # XXXX REQUESTING TO REMOVE FROM ALL THREE CREDIT REPORTS
Product: Mortgage

I was THREATENED by PHH / XXXX XXXX XXXX to make sure and keep my appointments with my account Relationship XXXX by phone, XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. I turned down a {$150.00} job to be by my phone, as to not miss this call. NO CALL CAME!!!! So I went through XXXX and high water to call them, only to be told each tome that I had no such loan. I finally got a hold of someone that stated that I missed my call! She stated that XXXX did call me and I was not home. This is untrue as my phone is working correctly, people have gotten a hold of me all morning, with no problem at all, no caller ID as to her phone # is on it, My voice mail has NO message from her, etc. I requested a new relationship XXXX from XXXX, and they denied me of that. I asked for a supervisor XXXX and they denied me of that. I asked to have the appointment today, as I already am off work and missed {$150.00}, and they made another appointment, so I have to not work again for XX/XX/XXXX. I have asked for a statement of payments, and they have denied me of that. I have filed with you before, and they have told both you and I that they are looking into it, and have not. I have filed for COVID help and they are " looking into it ''. I will lose my home by the time they stop playing games with me. Please help me to stay in my home, and not be XXXX!!!! Ocwen their parent company has had numerous class action suits against them for the same thing, but people are out of their homes before they settle.
Product: Checking or savings account

Fifth Third Bank has a deposit practice of " holding '' a deposit depending on account activity for up to 7 business days if you deposit a paper check. It is their policy to hold these funds regardless of funds availability by the sending institution. 

I was advised today that based on my account status, EVEN IF THE SENDING INSTITUTION VALIDATED FUNDS AVAILABLITY they would withhold the funds that had already cleared my bank account for UP TO 7 BUSINESS DAYS. Again, regardless of the funds being cleared and available for my account, they will not release the funds.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. On XX/XX/year> I sent a letter to Transunion notifying them of the reinsertion of XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA section 611 ( B ). Transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Transunion actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Transunion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Payday loan, title loan, personal loan, or advance loan

I am still having a problem with my account. I have called XXXX  times and each person tells me something different. I ask to speak to a manager but they tell me they are not in. I am now being told that if I make my regular payment the balance will charge off in XXXX  days. I dont understand how they can do this to my credit if I pay. I am currently waiting to pay until they tell me that it will not charge off. They keep telling me to settle but I can not afford to settle and I paid the principle balance. All that is left of the debt is late charges :
Product: Checking or savings account

BB and T Bank allowed a non-signer, XXXX XXXX ( XXXX, XXXX ) to transfer funds from my account which was unauthorized. The total was {$180000.00}.
Product: Credit reporting or other personal consumer reports

I have been with GS BANK USA for a long time, and I have always appreciated the good value and service I have received from GS BANK USA. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.
Product: Payday loan, title loan, personal loan, or advance loan

purchased a pair of XXXX boots from XXXX in a size XXXX in mens on XX/XX/2023. Upon trying on the boot after being delivered on XX/XX/2023, it was discovered to be too big. 

On XX/XX/XXXX, I went to the XXXX XXXX store to return them. Because I used Klarna as the original payment method I used. I went into the Klarna app and entered in my receipt ID number as proof of the return so my payment plan can be updated to reflect the return. The return ID number on the receipt that I provided was XXXX. 

After XXXX weeks had passed, today, I received an e-mail from the " Klarna Dispute Team '' requesting a copy of the return receipt within 7 days for the the refund to continue with their " investigation ''. I called and informed them that the receipt has since faded and I provided the information that the app asked for on the exact date I made the return. They informed me their was nothing they could do. 

I then contacted The Timberland Outlet to request a copy of the receipt since I had the date and receipt ID number and they informed me that they could not provide a duplicate receipt. I then called back a second time to inform Klarna of this and they advised me that there was nothing that can be done. I then posed the question, " why doesn't the app allow us to upload a picture to prevent things of this nature from happening? The young lady stated that there was no additional information she could provide me with. 

Per their app, they have to wait for the business to respond to confirm the return. I should not be paying for a shoe that I returned. 

Today, Klarna communicated through the XXXX XXXX XXXX complaint I initiated : Hello XXXX, Klarna is in receipt of your complaint XXXX. We appreciate your inquiry regarding the order with Timberland ( XXXX ). 

After reviewing your order we can see the order was placed under a dispute, and the Resolution team sent a request to the store, requesting that the statement be adjusted to reflect the returned item. The store responded to the inquiry on XX/XX/2023 stating that their stores are unable to refund Klarna accounts and so you would need to provide a card to receive the refund or you will be provided with a gift card, however, they are not able to process the refund back to Klarna and you would need to work with the store directly to get your refund. 

How can I get a refund for an item I already returned? AGAIN, I provided Klarna with the transaction ID. They know that they item was returned as they have admitted such. I explained to them that the receipt that I was given had faded. This is nearly from a month ago. 

That is unfair and not ethical. I provided Klarna with the information that they requested via the app timely and my refund should be honored immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management had this account since XXXX but they are reporting to my credit that the account just opened in XXXX which is false! They never served me we never went to court and they just closed it the account on another credit report. I want this account closed and removed!