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

XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, New York XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/year> Subject : Formal Demand for Account Removal Final Notice Before Legal Action Dear Consumer Financial Protection Bureau , I am writing to formally demand that American Express and XXXX immediately remove the fraudulent account listed above from my credit report. If this issue is not resolved promptly, I will pursue legal action to enforce my rights under federal law. 

Legal Violations Committed by American Express and XXXX 1. Unlawful Reporting of an Authorized User Account ( FCRA Violations 15 U.S.C. 1681 et seq. ) I was only an authorized user on this account, not the primary account holder. 
Under FCRA 1681b, American Express must have my written consent to report this account under my name. No such consent was ever given. 
2. Misuse of Payment Information False Liability Assignment XXXX XXXX falsely claims that a payment from my business checking account proves ownership of this credit card. 
This is legally incorrect and a deceptive financial practice. A third-party payment does not establish legal liability for a debt. 
This misrepresentation violates FCRA 1681s-2 ( a ) ( Furnishing Inaccurate Information ) and the Truth in Lending Act ( TILA 1026.12 ), which states that authorized users are not liable for debt. 
3. Unlawful Credit Reporting No Permissible Purpose FCRA 1681b requires that a consumer provide written authorization before a financial institution reports an account under their name. 
Since I never agreed to be personally liable for this account, American Express and XXXX have violated this law by reporting inaccurate information. 
4. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ( b ) ) American Express has refused to provide : A signed contract proving I agreed to be liable for this account. 
Documentation proving I authorized this account to be reported under my credit. 
Evidence that I linked my business checking account to this credit card. 
Since they have failed to produce this evidence, they must remove the account immediately.
Product: Credit card

I just emailed this after a second attempt to resolve a " late payment issue '' with USBank Credit Card from XXXX. Please contact me if the details are not clear. 

" I just had the worst experience of my life in dealing with a credit card company when I called to fix a misunderstanding on my account resulting in a late payment when I updated my autopay. I took precautions to not miss a payment, and somehow it missed anyway. When I called in the lady -- no, she was n't a lady -- the woman, who possessed low social intelligence, decided to take a condescending and accusing tone with me, blaming me for the problem rather than helping me resolve it. Therefore, I 'll be filing a complaint with REI, the BBB and with the Consumer Financial Protection Bureau as well as submitting erroneous claims disputes to the credit rating agencies. 

This late payment was an error that occurred due to a ridiculous system wait time XXXX MORE THAN 60 days?! ) for auto payment update, XXXX that I will argue is intentional to increase bank revenue streams by charging default interest rates. 

This has already resulted in a credit line decrease, which I want reinstated AND a late payment ding on my credit report, which I want corrected immediately. 

" XXXX bank ''? Ha ; that 's absurd. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple problems on my credit and I am attaching a letter to descibe all the problems with it
Product: Credit reporting or other personal consumer reports

In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. 

Per the XXXX 's definition of your verification process, XXXX XXXX XXXX is a web-based, XXXX XXXX XXXX, automated system. '' I expect you to adhere strictly to these standards.
Product: Vehicle loan or lease

Wells Fargo repossessed my car I don't know how fees were coming from everywhere
Product: Debt collection

I have more then one law firm contacting me for the same credit card, i have ended by paying two law  firms for the same card i have cleared check numbers from bank statements for XXXX XXXX XXXX XXXX ( payments of XXXX ) along with signed documentation for payments with cleared debits from my bank account with a letter that states the debt was paid in full to the XXXX XXXX XXXX XXXX XXXX  for the law firm of XXXX XXXX XXXX ( payments of {$130.00} twice a month ) All three law firms have the same information about this account. Account number XXXX & the creditor being barclayXXXX XXXX ( XXXX ) The third law firm XXXX XXXX has taken me to court three times first court day of XX/XX/2020. Which was the date of my finally payment to XXXX XXXX for the agreed amount of {$440.00}, the paid in full letter has case number & account number. 
All three Law Firms were & still are belittling, aggressive & demanding to a point of not knowing what to do ... ..The only reasoning i have for paying two Firms at the same time for the same card and the reason i will not pay the third! 
My personal information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX il XXXX XXXX law firms in the fight of charged off debt XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2015, I ran a credit report with XXXX. My credit score was XXXX with no adverse accounts or collections. On XXXX/XXXX/2015, I started working with my husband on an erroneous collection that had been place on his credit report. During the course of our discoveries, we found out that this was a medical bill for me. We never received a medical bill. We never received a collection letter. We never received any written or verbal communications from anyone. While working with the collection agency and their client, the doctors to resolve errors they both had made on our address and our insurance company and the proper person to file the insurance claim, out of nowhere, a collection for the same account was place on my credit report on XXXX/XXXX/2015. The client, XXXX XXXX XXXX admitted that they made a gross error in the way they initially filed the claim. 

On XXXX/XXXX/2015 when I found out about the medical bill, I immediately contacted XXXX XXXX XXXX and furnished them with the correct insurance information. By XXXX/XXXX/2015, they were paid. 

This should never have been referred to a collection agency. XXXX XXXX XXXX filed their insurance claim incorrectly. XXXX XXXX XXXX had an incorrect address for me and therefore, I never received any communication from them about a medical bill. 

When I went in for an emergency service, I went to XXXX XXXX XXXX XXXX, all information with regard to contact information and proper insurance, XXXX, was furnished to them. They filed their claim and were paid in full promptly. I 'm sure the physicians were contracted through the hospital so I have no idea where they obtained their billing or insurance information in order to file a claim. I did not contract with XXXX XXXX XXXX. My entrance into the hospital was with XXXX XXXX XXXX XXXX. 

I never received a collection letter from XXXX XXXX XXXX. They used the same incorrect address that the Physicians used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXXXX/XX/ Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Name : XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XX/XX/ Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XXXX XXXX XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries on my credit report. I have provided the details for each inquiry below. These inquiries were not authorized by me, and I am requesting their removal from my credit report. 

1. XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Personal Loan Companies - Contact Info : - Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize any personal loan with OneMain on the above date. 

2. XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize a credit card with XXXXXXXX XXXX on the above date. 

3. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Credit Bureaus - Contact Info : - Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit inquiry with XXXX XXXX XXXX. 

4. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit card with XXXX XXXX XXXX on this date. 

5. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Mortgage Reporters- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not authorize any mortgage-related inquiries with XXXX XXXX XXXXXXXX XXXX 

These inquiries have had a negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed if found to be unauthorized. 

Please notify me in writing of the results of your investigation and the actions taken. I have enclosed a copy of my credit report, along with proof of identity for your verification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Please remove these from my account, I did not authorize this at all.
Product: Money transfer, virtual currency, or money service

As of XXXX17 ' I made a transfer of {$4300.00} to my Coinbase account. The withdraw was from my XXXX XXXX. Funds, USDT, were transferred using my Bitcoin Address. Copy pasted the BTC Address : XXXX for me to transfer the USDT over to my USD Wallet on Coinbase. The transaction went through but I only received XXXX cents, still pending status, in BTC ( XXXX BTC. ) The transaction is here for anybody to see by clicking the link below. When going on the XXXX website, please copy paste the BTC Address, shown above, to view the current balance. The balance shows the XXXX cents in BTC and the rest of my funds in USDT. The funds are still there but without the Private key I can not access my funds. Coinbase, under their terms and condition, states that the private key is held by them and is not to be handed out due to privacy concerns, to which I understand. However, the address is my address and nobody elses. I understand if I sent the wrong funds to the wrong address and I am asking the for the private keys to the other individuals address, ultimately asking for their bank account information, however this is my account and my wallet so this should be a feasible task for coinbase. I tried another transaction to the same address and my {$10.00} in BTC came to my account without an issue, so I know I still have access to my account.
Public Transaction XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ATTENTION TO XXXX XXXX XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING XXXX inquiries when there is only XXXX on XXXX and XXXX has only XXXX and EQUIFAX shows that they were for online service request when i did ask for my credit to be ran XXXX times, this is inaccurate and must be removed /deleted US CODE 1681 c 2, us CODE 1681e-b and EQUIFAX REINSERTED a bankruptcy when section 9037 only last four of social is shown, and only birth year is shown how was it verified bankruptcy laws says a consumer information is redacted. Equifax places bankruptcy back on my credit report. FCRA STATES credit bureaus reinserted a item after it was removed, they were supposed to notify me U.S.part a-A-5-B-ii, IC systems is reporting a XXXX balance on all reporting agencies which i have no idea who they are, and what the charges are for.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. As a consumer, I have the right to ensure that all information reported by your agency is accurate and verified under the Fair Credit Reporting Act ( FCRA ). 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed legal action against Experian for failing to properly investigate consumer disputes. As such, I am requesting that you thoroughly investigate and verify the disputed items listed below in accordance with your legal obligations under the FCRA : According to FCRA XXXX XXXX, I have the right to a full investigation of all disputes and to receive timely communication regarding the outcome. If these accounts can not be verified or corrected, they must be removed from my credit report immediately. 

Additionally, please provide written confirmation that you have received this dispute and are conducting a proper investigation, as required by law. I will follow up in 30 days to ensure compliance and resolution of this matter. 

Thank you for your prompt attention. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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: Debt collection

This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  Sessoms and Rogers  of what I owe from credit card from  XXXX  bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  Sessoms and Rogers  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to contact  XXXX . I called  XXXX  to see if could pay them and they told me no too because my account was closed.  Sessom and Rogers  told me they would have to ask  XXXX  for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  Sessoms and Rogers  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent Comenity Bank a letter due to an adverse action MONTHS AGO and I have yet to receive a response what's so ever. Please see attached documents as it contains my full complaint and requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my consumer reports, I found my consumer rights have been violated. In Accordance to the Fair Credit Reporting Act. 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( I ) States the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX XXXX, Equifax is reporting late payments for 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 is an experience created by credit usage 15 USC1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the Fcra Act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 my vehicle was involved in am accident and remained in the repair shop for 3 months. USAA Insurance declared it a total loss XXXX XXXX and owernership was transfered to them. I signed paperwork for the payoff. I don't have control of title paperwork. They were the Lienholders also. They would not release my payment until they received the Title from the DMV, but they had the vehicle in their possession. They reported missed and late payments to the 3 bureaus. I've been a member with USAA over 20 years and never missed a payment. I contacted USAA and explained the situation and asked if they could removed the negative reporting statement and they said they could not. I disputed with the 3 bureaus also. Why should I be held at fault if they didn't have the title, but were is possession of the vehicle. Payment should have been released when I signed over ownership to them. It's their 's and the dealership responsibility to obtain the title information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment on my account that is messing with my credit score. I tried to call the company no response I dispute it the transaction and they still giving me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. 
Account Name + Account Number Late payment reported on ( Month/Year ). Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party.

Please send an updated copy of my credit report reflecting the requested changes. 
Thank you for your help with this matter, XXXX XXXX XXXX
Product: Bank account or service

Bank of America has changed their computer system and are creating unnecessary overdrafts in checking accounts by deducting pending charges from the available balance and causing legitimate charges to overdraft. For example, I had a rental car pending charge of {$97.00} on Saturday. I returned the car on Tuesday and because of my 3 day free coupon the charge was reversed. However when I checked m balance on Wednesday, the reversed charge disappeared and the pending charge was still there. The remaining pending charge caused and overdraft because I made XXXX credit card payments on Tuesday. Hence, I now owe BOA {$35.00} overdraft and {$10.00} savings transfer plus {$12.00} overdraft amount. How can this be when the {$97.00} charge should have been removed? On Thursday the pending charge will clear and I will still owe money to BOA. Why did their computer drop the reversal? Why am I charged for something I do not owe? BOA is ripping people off again!
Product: Debt collection

I currently have an auto loan with Wells Fargo Dealer services. Myself and my husband are on the loan. They have two phone numbers for us XXXX and XXXX. We have repeatedly told them to only contact us at the XXXX and not the XXXX number. My husband has a dangerous job and is not allowed to have unexpected phone calls while working at that number. I have called them several times and asked them why they keep calling that number. They tell me " I do not know why it says do not call next to the number. '' We have been telling them for months to stop calling that number. The last time I told them to stop calling that number was on XX/XX/XXXX they called the number again on XX/XX/XXXX. I have now informed them to only communicate through mail.