23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX : I write in order to submit a complaint against Professional Account Management ( " PAM '' ) of XXXX. PAM falsely alleges that I owe {$180.00}. I have disputed the validity of the purported debts, in writing, on numerous occasions. PAM refuses to provide documentary evidence to support their accusations. PAM and/or its agents have called me at work, called and texted my mobile phone resulting in charges, phoned before XXXX and after XXXX, sent threatening letters, and presented materially false information to the CFPB and the XXXX. I have requested that they cease and desist communication on multiple occasions to no avail. For the foregoing reasons, PAM is in clear violation of the FDCPA. Furthermore, they are in violation of the FCRA, FDCPA, and the FTC Act by falsely alleging to public entities that I am delinquent on accounts and publicly disclosing my personal information without authorization or consent. I respectfully request that you intervene and put an end to these unlawful practices. Very truly yours, /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Maryland XXXX
Product: Debt collection

This senior was " conned '' out of home repairs that was done unjustly. They are harassing her for the amount due, including intimidation, legal action and phone calls. The name of the debt collection is Recovery Solutions. The home was repaired under her home owners insurance, and they advised that the company that took advantage of her should be not harassing her. She is in her XXXX 's, has no family, and has contacted our community service agency for assistance. They stated she owes over {$8000.00} to this company. She is very upset and anxious and feels very intimated.
Product: Debt collection

Name of Company : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX Amount : {$3700.00} This account is on my credit report, this is not my account. I have disputed the account and the removed it from one credit report. The company then placed it only credit report with a new balance of {$3600.00}. I need this account to removed from all three credit agency.
Product: Vehicle loan or lease

I put in a request with BBVA to move my due date. I was told this was allowed but I could only move it within my 10 day grace period. My payment is due on the XXXX so I formally in writing request the move to the XXXX. I have emailed numberous times, called 10+ times, and 2 months later was told it was denied. I never recieved info about denial through email or letter. By law any denial or modification to my loan needs to be expressed in writing to me. Furthermore, at no point did anyone at BBVA tell me that I could not move my date, all persons spoken with said it was totally a viable option, from loan dept. collections, and customer service. The request was simply to move the date to align my due date with my payday, so that I was not late or using all my grace period.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

I used clover as my business merchant service provider. On XX/XX/2023, Clover decided to close my merchant account and held over {$23000.00} fund as reserve. The fund are held over 90 days now and when I requested an update, the representative advised the the fund will stay there forever and advised that I will not receive the fund that belongs to my business.
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX i have contacted them by mail and phone for my right as a consumer for them to report the following company that is reporting on my credit. 

the following account an date is listed below - XXXX XXXX XXXX -opened XX/XX/2019 amount XXXX 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and any thrid party financial institution and the Consumer reporting agencies XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX and credit reporting agency Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which Is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Credit reporting or other personal consumer reports

There is fraud on the below accounts. I have recently detected suspicious activities on several accounts within my credit repot. I am taking these accounts like this very seriously, and am committed to safeguarding the security and privacy of my personal credit accounts. 

Upon thorough investigation, I have identified irregular transactions and unauthorized access on the following accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Fraudulent Activity : Multiple unauthorized transactions and unusual login attempts have been observed on this account. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Fraudulent Activity : Suspicious transactions involving large amounts of money have been detected. These transactions were not authorized by the account holder. 

XXXX. XXXX XXXX Account Number : XXXX Fraudulent Activity : Unauthorized access to this account has occurred, with evidence of fraudulent transfers and changes made to personal information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my report. Please remove this account from my report as it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute online on the Equifax website for some fraudulent inquiries on my credit report. They closed the investigation on the same date, did not investigate anything and did not removed the fraudulent inquiries. I'm attaching the letter they send me on their website. This was their response : The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX (
Product: Checking or savings account

I opened and M and T Premier checking account XX/XX/2020. The promotional terms were {$500.00} which I completed on XX/XX/2020. The bank confirmed my promotion and instructed me to wait. I waited the 90 days and now they state I am not able to receive a promotion .I spoke to the bank at least 5 times and they had many opportunities to inform me. They made me send identify documents twice. I feel they are being deceptive as they also charged me {$14.00} in service fees for 2 consecutive months. They had no intention on paying this promotion and merely bilked me for fees. I have attached all the records I have kept, and a copy of their promotion.
Product: Checking or savings account

Someone open fraud account with my social security with td bank it was reported in the check system XX/XX/2015 i was not aware of the situation never was told to me everytime i tried to open checking account i was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has improperly maintaining my account information and reporting this information to different credit bureaus for the less 12 years. In so doing, my credit score was greatly affected.1 ). They had additional credit cards, etc billed to my account. 2 ) .The failed to maintain good banking records as required by law. 3 ) .I  believe this was done due to my race
Product: Credit reporting, credit repair services, or other personal consumer reports

About four weeks ago I called TransUnion about a credit account freeze and ended up subscribing to the TransUnion Credit Monitoring News Letter which I was told could be cancelled within 30 days with no charge. I quote from a letter dated XX/XX/2022 : " If you don't cancel your membership within the XXXX trial period ... '' On XX/XX/2022 I called TransUnion and in a completely garbled and difficult conversation with a service representative cancelled the Credit Monitoring Service and asked that a cancellation notice would be sent to me by mail. As of XX/XX/2022 I hadn't received a notice. So on XX/XX/2022 at about XXXX XXXX  I called again. The first person I talked with spoke with clarity and then transferred me to a person I could not understand because her speech kept breaking-up into unintelligent blurs. With customer service like this how can TU call itself anything other than a flop?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by US Bankruptcy Court Il XXXX in my file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX Chapter XXXX Bankruptcy Reference # XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with US Bankruptcy Court Il XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.Privacy Protection for Filings Made with the Court ( a ) REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. I have also included documents for the courts to show they do not report any information to the credit bureaus where you claimed the information was verified.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

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

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in a timely manner.
Product: Credit card

Wells Fargo closed 13 accounts associated with me and my businesses without providing a reason. I was not engaged in illegal activity, and they did not allege that we were. I have never missed a payment on any debt I owed in the past 20 years and had borrowed and repaid {$300000.00} to the bank without issue. 

The company advertises credit cards rewards for its Active Cash cards. I signed up for the card solely because of the rewards program and their advertising of it. When they closed the accounts on XX/XX/2023, Wells Fargo claimed that they had provided notice that the credit card account would be closed, which is a false statement as they never sent me any letters stating my credit card account would be closed prior to the termination notice. They stated that they were authorized to seize {$200.00} in rewards points that I had lawfully earned, even though they initiated the account closure. 

Wells Fargo 's Cardholder Agreement, which allows them to widely advertise credit cards programs, unilaterally close accounts, and then seize rewards points, is unconscionable. This behavior by the bank is taking advantage of US taxpayers. 

I have contacted Wells Fargo multiple times and do not expect a resolution without litigation, which I will initiate if they report this invalid debt to a credit reporting agency. I am registering this complaint so that the CFPB will publish this information widely so that other consumers aren't deceived by Wells Fargo 's advertising that customers are entitled to use the rewards they earned through their rewards programs. 

I also hope that the CFPB will investigate the false statements made by Wells Fargo 's representatives- where they falsely claimed that I had been provided notice before the credit card account was closed. These statements are recorded on Wells Fargo 's telephone system in calls I made to the Executive Complaints Management Office in XX/XX/2023, and can be subponeaned by the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband made our XXXX mortgage payment to loan depot online and received a confirmation email from them stating the payment was successful. The payment did not process however and they did not contact us to notify us of the error and after 30 days automatically reported us to the credit bureau agencies. Once we received a notification from our bank of negative credit activity we investigated the cause and discovered it to be loan depot. We contacted them immediately and made payment as well as providing evidence of the confirmation email which indicates we made the payment on time. Despite this they refuse to redact the negative credit report. The dispute has been ongoing for months and they have not shown any willingness to help resolve the situation satisfactorily and have ignored requests for call backs.
Product: Vehicle loan or lease

Since the loan was given I have been making extra principal payments each month. They have been applied as credits to my account instead of to the principal amount as intended. GM said they do not have this policy in writing anywhere and they just assumed everyone knew this. They said I could call in each month with my payment and tell them that the overage should be assigned to principal and not as a credit to the following month. I requested that they go back and credit the additional payments to principal and they said they would not do that. The app from GM just started asking if the additional payment was to be applied to principal within the last 2 months.
Product: Debt collection

I am a XXXX  and found out I was in collections for XXXX. I never received a letter or a phone call from UCB. When I called UCB, my address was wrong so i gave them the correct information to update it in their system. My insurance which is the Department of Veterans Affairs called them XX/XX/2021 and multiple times since then to give them the CORRECT information to bill my claim and to request a update. UCB told me it can take up to 30-45 days, but if my claim was indeed resubmitted electronically my insurance would have received it in three days. I have called once a week to see if my claim has been resubmitted to my insurance and I am told it was. IT is now XX/XX/2021 and my insurance still has not received it. My Insurance and I have called them multiple times giving them the information to resubmit and they have not done their job. When we call to verify the information, the representatives always has it wrong after we has already given them the information previously. Now my insurance may deny the claim because UCB and the providers office who sent me to collections failed to submit my claim to my insurance in a timely manner. This entire bill could have been paid if people did their job correctly. The Department of Veterans Affairs has already told them that they need to write the debt off because I am not liable for their mistakes. UCB employees are rude, shows no empathy and has yet to resolve this. i have talked to multiple employees at UCB and a supervisor and no one is resolving this matter, or giving me accurate information.
Product: Checking or savings account

I attempted to deposit {$1300.00} into my XXXX account through an authorized Pnc atm. The machine took my money, then told me the transaction was not allowed. When I called the atm customer service, XXXX, the representative who answered the phone was rude and short.
Product: Credit reporting or other personal consumer reports

I have checked and acknowledged the response from XXXX regarding my previously filed complaint. However, there are still numerous discrepancies and inaccuracies in their reports, despite their claim of having verified them with the original creditor. I provided them with a screenshot of the accounts in question, demonstrating that their verification and investigation process was unsuccessful. 

Secondly, XXXX has failed to provide me with further statements or explanations on how they verified the inaccuracies of the disputed accounts. They merely mentioned that they were verified, without detailing their investigation process. 

Lastly, Experian has not yet responded to my dispute. I can not wait another 30-45 days to file my complaints again because this is adversely affecting my scores and financial plans.
Product: Credit reporting or other personal consumer reports

I recently sent you a request to reinvestigate the information previously disputed. Please review my prior correspondence, I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Federal Trade Commission, and my state attorney general. Remove this incorrect information. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within XXXX paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. Account number XXXX Please updated my name correctly to XXXX XXXX, XXXX XXXX XXXX is incorrect. PLEASE UPDATE CORRECT AS CURRENT XXXX  XXXX XX/XX/XXXX STATE I WAS XXXX  DAYS LATE BUT CURRENT FOR XXXX AND XXXX XX/XX/XXXX AND XX/XX/XXXX STATE XXXX  DAYS WHICH IS INCORRECT PLEASE UPDATE CORRECTLY XX/XX/XXXX stated XXXX days and XXXX  XXXX  days and XXXX XXXX  days which is incorrect- can't be XXXX  days late each month please update ad current. XXXX XXXX stated XXXX  days late, while XXXX and XXXX are XXXX is incorrect please update correctly as current. XXXX XXXX stated XXXX  days and XXXX are each XXXX  days late and XXXX and XXXX are current - Please update correctly XXXX XXXX stated XXXX  days late - while XXXX and XXXX are current -please update correctly XXXX XXXX stated XXXX  days late and XX/XX/XXXX, and XXXX Need updated as current as stated XXXX  days which is incorrect. XXXX and XX/XX/XXXX stated XXXX  days late which is incorrect, I show paid on time.