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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DO NOT BELONG TO ME XXXX NAME VARIATIONS DO NOT XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a package with documents from the FTC Identity Theft Report, FTC Notice to Furnishers, a copy of my Credit Report, and my driver 's license identification. Requesting them to report the fraudulent account. I have disputed this with Equifax and XXXX. My credit report has dropped dramatically and three of my Creditors have decided to close my accounts due to delinquency. This will be on my credit report for the next 10 years.
Product: Bank account or service

I logged on to my bank checking account this morning and found a miscellaneous pending charge. When I called the bank to find out what this charge was, they claim it is a check that was submitted and since my account went negative that it was it was pending to see if would be paid or returned. Huntington has my account set up to pay any overdrafts and then I have the 24 hour grace to put funds into the account before I would be charged a fee. Huntington said they could not tell me who this charge was from and that this was a new policy that was implemented this week. I told them that I did not write a check for this amount and I needed to know who was trying to take the money out of my account and they refused to tell me.
Product: Debt collection

I received the email below today XX/XX/XXXX from a XXXX XXXX from XXXX XXXX. I believe this is a very old payday loan I took out XXXX   years ago, and then lost my job and was unable to pay it, however I am not certain. I did receive one phone call from a woman who stated she was collecting for " XXXX XXXX '' but i did not recognize the name of the payday loan company, so i asked her who they were? She stated it was a payday loan I a took out from XXXX in XXXX. I advised I was not working and unable to pay and she became very agitated and hung up on me. Today I received this email. 
Sincerely, XXXX XXXX XXXX! 
Notice Under US Federal Law & FDCPA-811 ( Action Required ) Inline image XXXX Case File # XXXX The District Courthouse Balance Due- {$960.00} Lawsuit File Cost # {$8000.00} File Transferred- XX/XX/XXXX NOTICE OF LEGAL CREDITOR - XXXX XXXX 

Dear XXXX XXXX, This is to notify you and requires your immediate attention. Our Attorney is going to file a lawsuit of {$8000.00} in the District Courthouse shortly. It is a legal requirement to send a notice of intended litigation before legal proceeding in the District Courthouse is issued. You have the last day to tender payment in full on the Account or arrange for exact settlement of the balance. Kindly note that the XXXX Sheriff Department will be involved in this matter. 

We have repeatedly advised you of your long overdue balance but you have not made any payment and we have turned your account over to our Attorney and instructed them to commence suit without further delay. There is still time, however, to avoid lawsuit if you email us on time. This will be your last opportunity to resolve matters without the expense of court proceeding. 

XXXX If you ignore the notice, charges will be pressed against your Name are, a ) Theft by Deception ( ACC ACT 21A ) b ) Collateral Check Fraud c ) Violation of US Federal Law & FDCP Act-811 Note- This carries a maximum sentence of 2 years of prison and a fine up to {$8000.00} We trust that you will now give this matter appropriate attention and attend to payment on time so that no further action will be necessary on our part to recover payment. If you are unable to attend to payment today please respond to the notice so that alternate arrangements for paying and securing the debt might be considered. 

Note- Failure to respond to this notice may result in a negative report to the Credit Bureau Payment in full is required to stop collection activity. 

Kindly do not ignore the notice and co-operate with us so that we can close this case File outside the Courthouse. 

Thank you for your assistance in this matter Best Wishes, XXXX XXXX. 
XXXX Department ''
Product: Credit reporting or other personal consumer reports

I have been communicating with this company since XXXX of XXXX in an effort to correct vitally important private and personal information that they so carelessly continue to misrepresent on my behalf. In XXXX, I began telling this agency that THEY HAVE INACCURATE and flat out WRONG INFORMATION listed on my credit report. They have yet to correct the items that I requested to be corrected. It is imperative because there are other people who share the same or similar names and addresses as me and I do NOT want to have any of our information mixed up as it has been in the past. This agency has violated every consumer law out there that protects me, my information, and the accuracy in reporting it. I have suffered severe humiliation and financial hardship as a direct result of their negligence. In the seven months that I have been begging them to do right by me, they have YET to even correct my NAME and ADDRESS?!?! This is a gross misuse of authority as a data furnisher and controlling entity. 

According to Cushman v Transunion 1997, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate accounts and information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately.
Product: Money transfer, virtual currency, or money service

I'm playing this game and I'm trying to get my account number to add money to my account and I tried to transfer money from my PayPal account to my prepaid card with XXXX XXXX XXXX and it will not transfer the money
Product: Debt collection

I received notice from a company called Unifin claiming I owed a debt, with a form to request validation of the debt. On XX/XX/XXXX, I sent the verification request letter which I will attach. I sent the letter via certified mail, which was received by the debt collector on XX/XX/XXXX as shown on XXXX records. The law states that no further debt collection attempts can be made until the debt is verified. On XX/XX/XXXX, I received a text from Unifin attempting to collect the debt, which is in violation of the law. I later received a letter, dated XX/XX/XXXX from XXXX XXXX XXXX stating that they manage the account for XXXXXXXX XXXX, and that the account is being serviced by Unifin Inc, and would be sending documentation. I received another letter dated XX/XX/XXXX stating that they had enclosed the account summary which provides verification of the debt. XXXX was a couple pages from a XXXX XXXX credit card statement, for a billing cycle of XX/XX/XXXX to XX/XX/XXXX. The statement balance on the billing statement was {$750.00}. The balance that Resurgent/LVNV/Unifin states is owed is {$1000.00}. The statement they sent does not reflect the amount they are claiming is owed, they did not send the original agreement as requested, they did not send the last billing statement as requested, and did not send any evidence of any extra charges that were added since the last billing statement. I also believe that the changing of companies is being used to intentionally be misleading, and confusing in order to trick me into paying a debt that they do not have proof I owe, of either the debt or the amount they state that I owe. I believe that the actions of the company, especially the clear cut contact within the dispute period, violate the Fair Debt Collection Practices Act.
Product: Checking or savings account

Bank of America closed my checking account on XXXX XX/XX/year> at the time i was not aware my account was closed or was in the process of being closed. I visited a Bank of America branch to inquire as why my account was inaccessible and was told there it was being closed due to risk aversion. I asked about my upcoming paycheck from my employer that is direct deposited every Friday biweekly. The bank representative told me that the direct deposit would bounce and be returned to my employer the same day and that i would be able to get a check from my employer. Today is Friday XX/XX/year> and I have checked with my employer to check if my direct deposit went through and it did. I called bank of America and they said to tell my employer to issue a stop payment on the direct deposit which i asked my employer if was possible which he said no as the funds had already exited the account and could not be clawed back. I called bank of America again to ask when i would get the funds on my account and they told me initially that my account would be closed XX/XX/XXXX and a check would be mailed to me, however this time when i called they said my checking account was being closed XX/XX/XXXX and i would get my check 7 to 10 Business days after XX/XX/XXXX. Todays date is XX/XX/year> according to bank of Americas timeline they will have my money for a MONTH before they even return it to me. I am a student and had over a XXXX in my checking account before they locked me out of it. I need that my to pay bills and buy food, i can not afford to wait a month for it to be returned to me.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous,3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Usaa closed my account XX/XX/2021. My account is 99 percent state and federal dependent benefit deposits. They are continually holding my SSA and municipal state benefits even after I sent 3 letters by fax and within the USAA account in inbox. I owe no balance or bills due to them or any other entity. So far over a month and half span, 2 SSA checks, 2 unemployment checks, 2 municipal pensions checks totalling XXXX are being withheld. I havent had any access to ANY OF MY BENEFITS SINCE XX/XX/2021. THEY ARE WELL AWARE THAT THEY ARE SUPPOSE TO SEND THOSE BENEFITS BACK TO THE GOVT AGENCIES BUT HOLD MY DEPENDENT FUNDS AS IF IT WERE LEGALLY DUE SO.
Product: Checking or savings account

On XX/XX/XXXX an unknown person made unauthorized transactions from my checking account totaling $ XXXX.I notified Chase Bank which is the financial institution that I bank with and they stared a fraud investigation. Upon their investigation they claim that they could not find any evidence that any fraud took place and insinuated that I gave the unknown person my PIN number.My money was not refunded.I filed a police report however the investigation is still pending.
Product: Money transfer, virtual currency, or money service

I made a transfer on Thursday XX/XX/2022 and until today it has not arrived at the destination, the money left the account but did not arrive at the destination bank, I tried to contact the company through the channels at first without any response chat did not work I kept showing a person in the queue for hours and didn't answer whatsapp either, no email either, after XXXX days that only on the second I managed to contact the company, telling me that I had to wait another XXXX hours and that the bank would receiving should send me a statement proving that he did not receive it, this is unfeasible XXXX that should prove that I send it, they did not give me any proof even though they sent the money to the bank, the amount only left my XXXX account but did not arrive at the destination bank, a bureaucracy to generate a transfer receipt, I'm having a bad experience like this company, I registered because I have an account at XXXX XXXX XXXXXXXX ), I thought I would have a quality service but it's being a headache solve something simple.
Product: Checking or savings account

On XX/XX/XXXX, I received a phone call from my bank informing me that my account had been frozen indefinitely due to a fraud investigation. Since then, I have repeatedly asked when I will regain access to my account, as I urgently need funds, but I have received no answers. I visited the bank, called them about ten times, and even tried to reach their supervisor, but I still have not received any resolution. To this day, I have not received any official letter informing me of the status of my account.
Product: Credit card

am reaching out to formally dispute the recurring {$15.00} dishonored fees that have been charged to my account every other month. Upon reviewing my statements, I noticed that these fees appear, but they are not transparently displayed in the app unless specifically searched for. 

I requested an explanation from [ Company Name ], and I was informed that the charges were due to insufficient funds in my account. However, this is incorrect. If my account truly lacked funds, I would have incurred an overdraft fee from my bank, which has never happened. Additionally, I maintain sufficient funds specifically for this accounts payments. 

To clarify the situation, I contacted my bank, and they confirmed that they do not see any late or failed paymentseverything has been processed on time. Given this, I am requesting a thorough investigation into these charges. Please provide all relevant documents and transaction records related to these fees in a timely manner. 

I appreciate your prompt attention to this matter and look forward
Product: Money transfer, virtual currency, or money service

The bank is called Chime, I have a checking account with them, the question is that I carry out a transaction with a person I met on the Internet, request the services of said person, make a payment in which I was never notified that said transactions were carried out. they say that they are not refundable finish the transfer and the person notified me that he did not receive said money that he received an email from chime hey they notified him that she could not use said money because he needed to upload documents anyway I called chime they told me that it was impossible to reimburse and neither she nor I have the money in total it was {$140.00} dollars and the person was upset for not receiving his corresponding payment and I did not receive my service this was on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I was summons on XXXX with an intent to being sued to pay a balance on a debt collection from Portfolio Recovery Associates , LLC. I called the company on XXXX and asked to speak directly to XXXX XXXX at Portfolio Recovery Associates about this. All information I received was that they were a collection company, and he was the attorney who filed. I spoke with a XXXX, who worked with the dispute department and did open a case on my behalf. 
I filed for XXXX XXXX XXXX XXXX XXXX The summons states that I took out a credit card with XXXX XXXX XXXX XXXX. With that type of XXXX, I can not take out credit cards during my payback to it. Around the date they are claiming I took out the credit card, I was hacked with all my accounts, including social media and bank accounts. I had to delete all profiles and get a new debt card issued due to the hack. I personally thought this issue was resolved and this summons had not been put against of me.
Product: Checking or savings account

I opened a checking account on XX/XX/year>. The bonus " XXXX '' terms were that I would receive {$100.00} for every month in which I had an employer 's {$1500.00} direct deposit to the account, for up to 5 months. I completed these requirements for XXXX, XXXX, XXXX, but have not received any bonuses. The bank claims that the bonus was never applied, however, I entered the code on the application.
Product: Money transfer, virtual currency, or money service

I use venmo to send money to my roommate for rent. I recently over paid and they reimbursed me. I attempted to transfer this money back to my XXXX account and received an email stating that my account is suspended and that my money is being withheld.
Product: Mortgage

We just bought a new house this summer. During that time, the home builder, XXXX XXXX recommended that we go with their preferred lender, XXXX XXXX Mortgage. Within 30 days of closing XXXX XXXX finally gave us a locked in mortgage rate, which was a XXXX percent higher than my regular mortgage lender, but at that time, we were within the 30 days of closing. XXXX XXXX then said we could n't change lenders because it was too late. My issue is the by the time we finally got the higher rate and higher closing costs with XXXX XXXX, XXXX XXXX would not us allow to go with another lender. In the end, my mortgage rate is higher by .25 % and closing costs ( $ XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an item placed on my Equifax credit file by XXXX XXXX XXXX after we moved out of state and had no knowledge of an amount left owed. It was sold to a debt collector, XXXX XXXX of Companies, and added to my credit file. I contacted XXXX, paid the amount and notified Equifax. It took them over 2 weeks to investigate and still came back with the same result, saying they verified the account was accurate, when in fact, they had proof that it was not. The collection is still showing unpaid on my credit report.
Product: Debt collection

I am a victim of identity fraud involving XXXX XXXX XXXX. An unknown person used me to purchase auto insurance. I do not own a car nor do I have a drivers license. I received three bills from XXXX. I called and each time I was told by their representatives that they were sorry for the inconvenience and not to worry about it. On XX/XX/XXXX I received a notice from Credit Collection Services over same debt un-owed by me. 
Thank you
Product: Money transfer, virtual currency, or money service

coinbase auto logged me out of my account 6-7 months ago and because i dont have that same phone number i have to do id verification Coinbase camera on the web browser and app does not capture my passport photo in its entirety and they continue to blame it on the positioning of the passport
Product: Credit card or prepaid card

My my wife was notified that her employer had two data breaches with in a year. She was notified XX/XX/2021. Upon reviewing credit cards XXXX  XXXX XXXX and Discover were listed on my credit report. Upon calling both credit cards companies to inquire about the credit cards on my credit report I was unable to resolve the issue. I requested the application and statements pertaining to both accounts. I did not receive either. I made a police report with the XXXX MA. Police Department report # XXXX. Both my personal checking accounts which are XXXX XXXX  and XXXX XXXX XXXX were also compromised with fraudulent activity. I closed those checking accounts after going to both banks. 
XXXX XXXX  had a fraudulent transactions. XXXX XXXX XXXX an attempt was made to purchase items. With no resolution from XXXX  XXXX XXXX and Discover I sent both companies a certified notarized letter requesting that both XXXX  XXXX XXXX and Discover verify this accounts on XX/XX/2021 neither company yet to respond to documents to validate my response with in thirty days. I will request a dispute with all three credit bureaus with a security alert in place.
Product: Money transfer, virtual currency, or money service

I have been scammed for 2 months and I went through different kind of fraud transactions. This is wire-transfer transaction which was the last fraud one XX/XX/2021 WIRE TYPE : WIRE OUT DATE:XXXX XXXX ET XXXX SERVICE REF:XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ID XXXX XXXX PMT DET : XXXX XXXX XXXX. Amount : {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof that transunion is reporting inaccurate payment history and I need them to update this account information.
Product: Credit card or prepaid card

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced recovery collection agency is trying to collect a debt from XXXX that I do not owe account # XXXX for XXXX as well as re ageing the debt to make it look newer on my XXXX credit report I have tried with no avail to convalescent this to them. This illegal debt collection needs to be stopped and deleted or legal action against the collection agency and XXXX will be my next course of action.