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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I made Walmart to Walmart transaction they wont release money due to me needing to verify info but I cant get through to correct departments been on hold over 2 hours and this is an emergency situation It is a huge inconvenience they wont refund money or anything
Product: Vehicle loan or lease

YAMAHA MOTOR FINANCE IS SAYING I AM DELIQUENT OR IN ARREARS ON MY ACCOUNT WITH REGARD TO INTEREST. MY LOAN IS CURRENT, I HAVE PAID ON TIME AND HAVE MADE SEVERAL PRINCIPLE PAYMENTS IN ADDITION TO MY NORMAL SCHEDULED PAYMENTS. HOW CAN I BE ARREARS IN INTEREST ON THIS LOAN? THE LAST 4 PAYMENTS I HAVE MADE HAVE ALL GONE TO INTEREST ONLY AND NOT PRINCIPLE AND INTEREST. WHAT KIND OF ACCOUINTING SYSTEM ARE THEY USING HERE? HOW CAN YOU HAVE A LOAN CURRENT AND BE DELIQUENT OR ARREARS IN INTEREST? THEY ARE NOT APPLYING MY PAYMENTS CORRECTLY. CAN SOMEONE PLEASE TELL ME WHEN THIS ACCOUNT BECAME DELIQUENT OR ARREARS IN INTEREST? WHEN DID THIS OCCUR? NO ONE AT THE CUSTOMER SERVICE LEVEL SEEMS TO HAVE AN ANSWER. CAN SOMEONE FROM UPPER MANAGEMENT PLEASE CONTACT ME REGARDING THIS ISSUE. I NEED A SR VP OF THE DEPARTMENT TO LOOK AT MY LOAN AND CALL ME BACK. SOMETHING IS NOT RIGHT HERE. LOAN NUMBER XXXX
Product: Debt collection

On XXXX there are 5 items that must be removed because they are false. 

1. {$160.00} : XXXX XXXX : It says it is from XXXX. I have a prepaid phone; meaning I pay in advance then get my service. I have no idea when and where this showed up 2. {$170.00} : Caine & Weiner Progressive. I do not owe any money to XXXX. I waited to policy completed and I renewed with XXXX. 

3. {$1500.00} : XXXX  : some emergency room fake charge. Listed three times with different dates exact amounts. FAKE. I have insurance 4 {$1500.00} 5 {$1500.00} Kindly remove all 5 charges listed on my XXXX report because they are false.
Product: Credit reporting

i tried to dispute errors found on my report from XXXX who had bought my loan from XXXX in XXXX but they list it as opened with them in XXXX the same time i opened XXXX with XXXX they listed it as another type of loan on top of my regular mortgage and also try to put a fraud alert on my report as i learned XXXX checked my credit today and ive never dealt with them. i cant contact equfax as they clam my info tells them ive had several loans and credit cards over the years and know never had a credit card ever.. 
i have a police report where someone stole my ssn and tried filing state tax forms under mjy namne for states ive never been
Product: Debt collection

I have been experiencing problems with my credit and noticed on reviewing my reports that there is an account entry that I did not authorize to be opened in 2013 with a financial institution that I no nothing about. Please assist me in obtaining complete validation of this account to include information and documentation that was used to validate the identity of the person who opened this account and the information and detail used to confirm that it was indeed me.
Product: Debt collection

I am in need of your company 's help. I received a copy of my credit report and there is a company named XXXX XXXX XXXX that does not belong to me. I disputed this with the bureaus and they stated it was verified. I believe this may belong to my father but I know this is not mine. I am a XXXX and it has happened before that they mix my information with my father but I know this isn't mine.
Product: Checking or savings account

On XX/XX/21 I tried repeatedly to withdraw {$160.00} from my Merill XXXX brokerage account which is held as cash in their deposit program ( ML Direct Deposit Program ). The system will not allow me to withdraw my withdrawable funds and says Were sorry, we can not complete the request at this time. Please try again later. 

I suspect they are purposefully creating friction for users to withdraw their funds. I have noticed similar practices and patterns with Merill XXXX making the process to link a non-Bank of America account extremely convoluted and difficult in order to steer customers to opening a BoA account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Request for Removal of Collection Account Due to CFPB Lawsuit, Harassment, and Dispute Letter To Whom It May Concern, I am writing to request the removal of a collection account from my credit report. This request is based on the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX in XX/XX/XXXX, alleging deceptive practices in their lease-to-own agreements. 

Additionally, I have experienced repeated harassment from XXXX. The first call I received was on XX/XX/XXXX at XXXX XXXX, followed by another on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX, XXXX called me first and then proceeded to call my wife. During the call with my wife, they made threats to process paperwork against me. This unprofessional and intimidating behavior violates fair debt collection practices. 

I have previously sent a formal dispute letter regarding this matter. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), I may be entitled to up to {$1000.00} in statutory damages for XXXX violations of my rights. 

Given these circumstances, I believe the collection account is inaccurate and should be removed immediately. 

Thank you for your attention to this matter. 

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

XXXX XXXX ACCOUNT ; XXXX DATE OPEN ; XXXX XXXX THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX BANK NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The THD/CBNA appears to be a charge-off account with a specific balance of {$340.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX Bureaus. As per FCRA, the XXXX and XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit history, I noticed that late payments have been inaccurately reported, negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 166B, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Furthermore, under the Fair Credit Billing Act ( FCBA ), creditors are obligated to provide accurate billing statements and properly investigate any disputes raised by consumers. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I would like to bring to your attention that the reported late payments are in violation of these consumer protection laws. The inaccuracies in my credit report have caused undue financial harm and have hindered my ability to access credit on favorable terms.

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate late payments from my credit report. I have enclosed copies of supporting documents that attest to the erroneous reporting.

I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal consumer protection laws.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

This is the XXXX complaint I am filing against BMO. BMO continues to lie with misleading information. 
All information that has been given to me leads to nowhere. I have called the numbers provided and Nobody at BMO has any idea how to make this right or can even find me in their system. I went to a BMO bank to make a payment like you told me and was unsuccessful. I have a letter stating that I can not make a payment at a bank and need to send a check by mail. I have exhausted my options and my time. This is not my fault its 100 % BMO fault. BMO fails to give me any information on my lease. Money been paid is not associated to anything related to me in any way and BMO can not give me a financial statement showing the money that I have paid is associated to me. BMO can not tell me where the money that has been paid is going. 
I have continued now for over 5 weeks to make this right in every possible way and am still unsuccessful. This is not okay and an apology for my inconvenience caused by your bank is unacceptable. BMO continues to give me the run around yet not one person has done anything to resolve this issue. BMO is robbing me of my time and Im sure many other peoples as well BMO needs to be held accountable in every way! This is unacceptable!
Product: Debt collection

I am writing to file a formal complaint against the collection agency, I C System. This collection account is reporting not only as open but also shows a past-due balance of {$2200.00}. I am disputing the validity of the alleged debt claimed by I C System and have significant concerns regarding their compliance with federal consumer protection laws. 

1. Violation of Validation Requirements : I C System has failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have proceeded to place the collection on my consumer report without my consent or proper notification.

2. Denial of Dispute Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to dispute the debt within a certain timeframe upon notification. I C System has not provided me with an opportunity to dispute the account, thereby denying me my rights under federal law.

3. Deceptive Practices : I believe that I C System is engaging in deceptive and misleading practices, which is a violation of my consumer rights. They have used false information and deceptive means in their attempts to collect a debt, actions which I consider to be unethical and illegal.

4. Unauthorized Reporting : Furthermore, I C System has no authority to report any debt to consumer reporting agencies without fulfilling all legal disclosures required by 12 CFR 1006.34 ( d ) and 15 USC 1681_S 2 ( 7 ) ( a ). Their failure to provide these disclosures before reporting the debt is a clear violation of federal law.

Given these concerns, I hereby : -Dispute any and all debts claimed by I C System.

-Revoke all consents previously given, if any, to I C System for communication through email, text messages, and telephone calls, in accordance with the rights afforded to me under the Federal Debt Collection Practices Act.

-Request a copy of the purchase agreement between I C System and the original creditor to substantiate their claim.

-Request proof that I C System is licensed and bonded to collect debts in my state.

Please take immediate action and investigate these matters thoroughly. I expect I C System to comply with all legal standards and cease all deceptive and unauthorized practices immediately.

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Debt collection

AR RESOURCES INC Original creditor : XXXX XXXX {$2400.00} This was removed from XXXX XXXX but not from XXXX.
Product: Debt collection

On XX/XX/XXXX I contacted PMAB for the second time to explain to them that the {$1600.00} charge is for a patient that I am not related to and do not know. This is an incorrect billing made by the medical facility. The file number provided by PMAB is XXXX XXXX XXXX XXXX XXXX. I explained to them that I had talked to the medical facility who recognized the mistake. 

I sent an email to dispute the claim per the telephone representative 's instructions. I have uploaded the copy of the email. 

The patient name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX at PMAB reiterated to me today - XX/XX/XXXX - the file name is XXXX XXXX XXXX XXXX XXXX and the date of the service is XX/XX/XXXX. 

The amount is for {$1600.00}. 

PMAB ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Debt is owed to XXXX XXXX XXXX XXXX I called PMAB again today XX/XX/XXXX to explain and they said this is still under dispute but they can not remove this from my credit until the medical facility does so. 

I contacted the medical facility as well and they said that they realized the problem and corrected it, as well as, already informed PMAB of the error. 

This is adversely affecting my credit and I need this corrected. 
I called this number ( XXXX ) XXXX again today - XX/XX/XXXX - and spoke to XXXX at the XXXX XXXX XXXX XXXX. She states that they corrected this and informed PMAB on XX/XX/XXXX. 

XXXX states that the patient apparently has a relative with the same first and last name as I do. This may have been the original source of misinformation. XXXX said that she is going to communicate this back to the person who sends collection files to PMAB. 

I am still sending this complaint because I feel that PMAB should have corrected this and investigated it thoroughly back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the fraud that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

In XX/XX/2020 my wife signed a contract for employment at a XXXX trading company. She was to be paid about {$3000.00} during training. 
She received {$120.00} and was expecting the balance. 
On Friday XX/XX/2020, she was notified that she had been added to a USAA Savings Bank checking account. We did not understand how that could happen without her applying or even knowing about the action. 
She went to her USAA web page and saw this new account and that it had {$3000.00}. 
She then transferred the training pay to our joint accounts - still not knowing how or why USAA allowed her to be added to an account - as secondary - to someone named XXXX XXXX, who was listed as primary. 
Ten minutes later my wife received an email from USAA confirming that she had been put on that account, which the bank identified as her " cousin. '' XXXX, we have no idea who this person is. 
After the weekend, I went on my USAA web page and discovered that the bank had frozen three of my accounts. 
Now, the bank is extorting me for {$3000.00} to " unlock '' my three accounts. They have said they are going to take my Social Security direct deposit on XX/XX/XXXX. 
USAA Federal Savings Bank is implying that my wife was in on this apparent internet scam/fraud. We have reported it to the Federal Bureau of Investigation, with no immediate result.