23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXX in the mail stating that it is the second notice of a " severe delinquency '' over a payday loan with Ace Cash Express. 
1. I have never heard of ace cash express 2. I never received a first notice 3. The amount of the " pay day loan '' they claim I took is more than pay day loans can legally give you in my state. 
This company claims I took this loan out while I was working for an employer I haven't worked for in almost 20 years. They also state that it was " malicious intent to commit fraud '' on my part by closing my bank account right after taking this payday loan. I have only ever closed one bank account in my life. I was not working for and had not been working for the XXXX XXXX for several years at the time that account was closed. 
They are threatening me with wage garnishment, personal property or bank account lein, negative credit reporting, back interest, legal fees, court costs, and full principle of the loan. If I do not mail in the full amount a subpoena to XXXX County Municipal Court will be issued for me and 2 witnesses to go to trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

A R Resources put this medical account on my report without first following proper Fair Credit Reporting Act. Specifically, I had Health insurance during the time in question. The bill should 've been sent to the insurance company, instead of just putting it directly on my credit report. AR Resources failed to first contact me in regards to resolving the matter prior to putting it on my credit report. I did not receive anything pertaining to this bill. I got notice when running my credit report. Please remove this account. 

Moreover. AR Resources had the account as closed, then reported it as an open collection. Please remove this from my XXXX and XXXX reports immediately.
Product: Mortgage

In XX/XX/XXXX we received a letter from our mortgage company stating that our mortgage was going up from XXXX to XXXX because of our future tax bills. ( Projected taxes XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX ) I understood why this was happening it was due to a past due water bill that was assessed our taxes last year and we have since paid off. We spoke to the mortgage company last Friday and they said all we would need would be a letter starting our estimated takes for next year. So that is what I got. The person at the town hall said they can not give actual bills for XX/XX/XXXX and XX/XX/XXXX because the do not exists yet and will not exists till XX/XX/XXXX. I called the mortgage company today to see what my new bill would be and they said they can not make any changes because they " can not make changes on estimated amounts '' yet the amount the are charging us is in fact an estimated amount. What can I do. We really ca n't afford this XXXX more a month and the mortgage company does n't seam to want to work with us. Please help
Product: Credit card

I received a letter via USPS dated XX/XX/2023 informing me that the application for a TJ Maxx credit card was denied due to " unable to access credit bureau due to freeze or lock. '' I DID NOT MAKE THIS REQUEST. I HAVE NO INTEREST IN A TJ MAXX CREDIT CARD. 

On XX/XX/2023, I called Synchrony Bank at XXXX XXXX. Synchrony Bank verified that an application was submitted on XX/XX/2023 using my name and select other information and that NO credit report was pulled and the application was denied.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Complaint Department Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX CFPB Im writing to you to dispute certain false information that is reported in my credit file. The errors are encircled on the attached copy of the report I received.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that the items indicated are reinvestigated and deleted from my report as soon as possible.Please look into this ( these ) matter ( s ) and ( delete or correct ) the unverifiable and inaccurate item ( s ). Also I'm asking for the removal of all incorrect information under section 1681 of the consumer credit reporting act for misuse of information an not verification of correct information, provided unverified information, wrongly processed, not up to date information, wrongly distributed information such as name, addresses, inquiries, collections, chargeoffs, that are inaccurate an not updated. All inaccurate information has violated my constitutional rights as a class 1 felony under federal law for defamation of character damaging my image to others causing long lasting damaging decisions for the way others see me. PLEASE FIX ERRORS AN UPDATE NEW CREDIT REPORT. 

In accordance with the Fair Credit Reporting Act of 1996, please inform me when the disputed items have been deleted. Also, send an updated copy of my credit report to the below address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma, a company I am a subscriber, represented with my current score of XXXX I could obtain a XXXX Credit Card to consolidate my debt and obtain reduced payments with its issuance. Credit Karma never disclosed that XXXX Card would be using a Hard Review of my account, nor did XXXX Card contact me to achieve my permission to do so. It short, they ran my Report, turned my request down and it showed up on my Credit Page as an Disapproval with the subsequent action of the other Two Credit Agencies lowering their scores on my credit. This all occurred without any change in my Financial Status as I have NOT missed any payments in over 275 months according to my record. I saw that the FTC was fining Credit Karma {$3.00} XXXX Dollars. I am requesting a Remuneration of a portion of those funds for my Personal Credit Damages. I would also like to suggest that the XXXX Credit Card be Fined for NOT notifying and obtaining permission to run the credit of potential card users. Thanking you for your continued help and over watch on Companies who continue to take advantage of the unsuspecting. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested to have an address that doesn't belong to me nor can I receive any correspondence to be deleted from my consumer report,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also only allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

In XX/XX/2021 I got a phone call and then a letter from a collection agency called Receivables Performance Management LLC. They said that I owe XXXX to XXXX XXXX XXXX for a XXXX XXXX bill for services at XXXX XXXX XXXX XXXX Ky XXXX. I do not live at that address and never authorized anyone to open an account in my name. This bill has to be fraud. I have written to that collection agency several times and talked to them on the phone several times. They told me to keep it off my credit report I need to file a police report.I filed a police report for fraud with The XXXX police department. The incident report number XXXX. I then sent to information to the collection agency. It still went on my credit report which caused my score to drop 52 points.I am still receiving notices from them saying I need to pay the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was obtained without my consent and used to acquire goods and services without my knowledge.
Product: Credit reporting or other personal consumer reports

Transunion has my account locked-out they will not let me log-in and/or do anything online I am trying to freeze my credit with them I can not get help either thru chat ; online assistance ; or thru the phone keep telling to submit forms which then say " verification failure '' I am being treated unfairly - they have me at their mercy and will not help
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX SN Servicing Corporation, my mortgage company, dated XX/XX/21 with a demand for payment. The paperwork states that I have 30 days to dispute the debt. Instead of giving me 30 days to dispute the debt, I received a letter dated XX/XX/21 stating that they were beginning the foreclosure on my home and the sale is scheduled for XX/XX/21. They are proceeding on the foreclosure even though there is a foreclosure moratorium until XX/XX/21. I have also not been provided contact information or the ability to try to work out mortgage forbearance options.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following accounts are not mine, I did not open any of them, and I am not a debtor : XXXX XXXX XXXX ( XXXX ) and XXXX XXXXXXXX XXXX XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX. Subject : Complaint Against XXXX and Transunion for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX and Transunion for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX. 
I believe that XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights. 
I request that the CFPB investigate this matter and ensure that Experian updates my personal information as requested. Additionally, I seek confirmation that my credit report will reflect the accurate and updated information without further delays. 
Furthermore, I demand a deletion of all personally identifiable information from my consumer credit report with the exception of :
Product: Checking or savings account

In XXXX of XXXX i disputed some transactions ( XXXX XXXX XXXX ) as service not as described. I disputed this with Bank Of America and clearly stated why i was looking to dispute these charges and they denied the claim within days not giving the proper investigation. XXXX XXXX coerced me into staying in my contract over this time period and even further back than the one year that was disputed. Bank of America told me they dont even go as far back as i was requesting which i think was ridiculous. As a consumer i have the right to dispute these charges and receive/ keep my provisional credit of {XXXX} and even further back than that. I will go to whatever means to prove i have the right to these funds. This is NOT A FRAUD ISSUE. I am NOT claiming fraud. This is a NON-FRAUD issue due to negligence by the merchant and a lack of service as described by the merchant when amenities that i orignally signed up for were taken away. Bank of Americas lack of consideration for their customers is beyond me. I hope this reaches them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the following accounts listed IMMEDIATELY!
Product: Checking or savings account

I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. 

My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XXXX  : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. 

I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. 

I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 223 days since XX/XX/XXXX. Pleae see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XXXX XXXX 

As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.
Product: Credit card or prepaid card

I received a credit card in the mail from Lending Club bank. Immediately contacted them to let me know that I didnt authorize this account and to close and report the card to their fraud department. Customer service also stated that she would send me a letter of our conversation and that the account would be closed. On XX/XX/11 I received a statement of the same account and contacted them again and they said the account was flagged but closed. I urge them to close this account because I did not authorize this account and they claim they are waiting for the fraud department to close the account. I have not received a letter from Lending club informing me that the account was closed.
Product: Debt collection

Below is the statement was received : ERC received an account in their office on XX/XX/2017 in the amount of {$240.00} placed for collection by our client, XXXX XXXX XXXX XXXX 

I sent a payment ( {$240.00} ). My last payment was received in ERC office on XX/XX/2017 paid directly to XXXX XXXX XXXX. 

They have been reporting this on my credit report as open since 2017 after payment was received.
Product: Debt collection

I was checked on my XXXX XXXX and saw on my reports without my know, they didn't send me his information until I call the company ask them please send me the debt validation which they are refused and report said disagreement but not what I was ask.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate bankruptcy record currently reported on my LexisNexis credit report. The details of the bankruptcy record in question are as follows : Type of Bankruptcy : [ XXXX  XXXX Reporting Error : The reported information is incorrect, which may be due to administrative or clerical errors.

To substantiate my request, I am providing the following documentation : A copy of my credit report with the incorrect bankruptcy record highlighted.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any inaccuracies in my credit report. Therefore, I request that LexisNexis promptly investigates this matter and removes the incorrect bankruptcy entry from my credit report.

Please confirm in writing once the correction has been made or if additional information is required from my side. I would appreciate your timely response to this request within the 30-day period stipulated by the FCRA.

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. I have doubts about its accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXXXXXX XXXX XXXXXXXX I XXXX Balance : {$99.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX ( XXXX ) Account # XXXX ( XXXX XXXX ), has violated my rights. 

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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

-any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX