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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Debt collection

Debt was paid as part of a Debt Relief program thru XXXX XXXX. Debt was negotiated and paid in full the amount agreed upon. XXXX XXXX XXXX are attempting to collect the debt that has already been paid.
Product: Mortgage

I was late on payments I sent in a payment and it was sent back to me from Wells Fargo and was told that they couldn't except payment I then got a letter for foreclosure and then my home forclosed on.
Product: Checking or savings account

I went through my account and I have several service charges from with draweals that were not authorized over the last XXXX
Product: Credit reporting or other personal consumer reports

Certainly! Below is a sample dispute letter related to negligence, which may be relevant to a civil liability issue under the Fair Credit Reporting Act ( FCRA ) Section 1681, typically related to inaccurate information or negligence in reporting. However, if this is a general civil dispute regarding negligence outside of credit reporting, the structure can be adjusted accordingly. 

-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax ( XXXX ) XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute of Civil Liability for Negligence under Section 1681** I am writing to formally dispute the civil liability claim you have filed against me, specifically regarding the alleged negligence outlined in your correspondence dated [ insert date ]. Under the Fair Credit Reporting Act ( FCRA ), Section 1681, I believe the claim is not only inaccurate but also violates the standards set forth for reporting and investigating consumer complaints. 

It is my understanding that under Section 1681, any information reported to credit bureaus or third parties must be accurate and verifiable. However, I have reason to believe that the facts surrounding this claim are based on [ inaccurate, incomplete, or otherwise faulty ] information, and as such, I dispute any liability associated with the allegations of negligence. 

I request that you provide me with : XXXX. A detailed account of the events that led to the negligence claim, including all documentation and evidence supporting your position. 
XXXX. A clear explanation of any communications or agreements that might be relevant to this dispute. 
XXXX. A copy of any investigation or review you conducted before filing the claim. 

I also request that you cease any further attempts to enforce this claim, as I do not believe I am responsible for any damages related to the negligence in question. If I do not receive a satisfactory resolution within [ reasonable time, e.g., 30 days ], I will consider taking further legal action to address the issue, including reporting your practices to the relevant consumer protection agencies. 

Please consider this letter a formal dispute under Section 1681 of the FCRA. I expect a response within the timeframe required by law and look forward to resolving this matter promptly. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
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 FIN Account XXXX Account Name : XXXX Account Number : 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: Credit card or prepaid card

I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible. Please update my account accordingly.
Product: Checking or savings account

Bank of America is illegally holding my funds, which Ive filed a complaint about. They have now forced my account into overdrawn status, and Im sure they will now start charging overdraft fees because they are illegally holding my funds. This is terrible conduct that can not be allowed to continue. Please help. Theyre illegally withholding funds from a retirement check thats been signed by two parties and is in no danger of not clearing. They have no basis for withholding the funds and are in violation of the law.
Product: Credit reporting or other personal consumer reports

On XXXX I sent Experian, Equifax, and Transunion a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it.
Product: Mortgage

XXXX XXXX  sold my mortgage to PNC Bank. The first thing PNC Bank did was raise my rates and they are unable to adequately explain why my rates are going up. They can not demonstrate anything about the mortgage prior to their acquisition of the mortgage despite some obvious problems with my escrow account. They can not explain why payments were made to XXXX XXXX that appear to be more than the amount I owe in property taxes nor they can explain where that money went. They also can not explain why my homeowners insurance collection is not accurate and why they are projecting an increase in my policy rates and appear to be charging me for increased homeowners insurance rates despite the fact that my insurance company has not yet reviewed my file for its annual rate analysis. 

PNC screwed up and lost my first mortgage check that I sent which cost me a stop payment with my current bank in addition to hours spent on the phone trying to unravel this. 

I do want to do business with PNC Bank. I never asked my mortgage to be sold to PNC Bank. I realize they are allowed to do this but they are not allowed to just raise my mortgage payments and tell me I owe them more money without demonstrating to me why I would owe them more money. This is a wrong. This is beyond wrong that I am forced to do business with a bank that I do not want to do do business with but it is flat out illegal for them to raise my mortgage payments upon acquisition of my mortgage.
Product: Credit reporting or other personal consumer reports

Request for accurate documentation provided that this debt is currently mine. 

Reached out to the company to assist in the matter of this repo. It has provided damage to my credit score affecting my day to day, as well as my livelihood. Company was unprofessional and unable to provide me with accurate information regarding a contract.
Product: Checking or savings account

I have sole legal and physical custody of my son. XXXX is the XXXX at the local M & T XXXX XXXX, XXXX XXXX was being instructed by XXXX XXXX I could not get through to the mobile banking. Upon calling, XXXX hears that I am calling to do a transfer, then immediately transfers me to XXXX. XXXX asks for my full social security number to pull my accounts. I explain the accounts I have and my son 's of whom I am the legal owner ( he is the equitable ). I also explain that I was having trouble getting through to the mobile banking and HOW the funds were to be used. The transaction was for just under XXXX XXXXXXXX. I verify my address. XXXX then has to get XXXX to approve. So again he has to ask the same things I've already verified with XXXX. They both get on their high-horse about how they're doing such a favor to me -- which frankly boggles my mind because they're working in retail banking! They then start asking questions about how the money is to be used and I reply lawful purposes for my son 's benefit and they continue prying. I explain to XXXX he can approve it or not, but I'm not doing anything improper or unlawful and that I'd already confirmed my information. He asks to put me on hold and then suddenly can not do the transaction, despite them already validating my information! 

I complained via online portal to M & T, XXXX wrote me back saying she was going to have the branch reach out. XXXX never did. The woman who was guiding him, XXXX did, and all she did was go through the spiel of banking security ignoring the fact that I'd already validated all the information! Moreover, that XXXX was letting his emotions control him and he was on a power trip insofar as not " feeling comfortable '' with it and he was playing judge/jury and executioner without the grant of power to do so. The facts of it are I confirmed the data, advised him that I was comporting with the law ( and frankly he doesn't need to know ), and he suddenly decided he couldn't do it ... .not sure if that's because I am XXXX  with an XXXX name, or what but lacking any other evidence, that is the only conclusion we can draw.
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXX XXXX  : amount of XXXX XXXX XXXX  : amount to of : XXXX Collection XXXX XXXXXXXX XXXX : Amount of XXXX I never had a contract with this debt collector for any debt. Account have been disputed numerous of time and have not been removed. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

This is the third time that Citi Bank account services has claimed to lose my XXXX transaction after they claimed it should have reflected on my account ledger. Once I called the bank and put up a fuss about it , they told me that it’ll take 2 hours to release the funds. Unfortunately, they requested that I put in a dispute to release my funds. What brought me to this site today was that my bank told me that funds in the amount of $XXXX had “disappeared” and should’ve been in my account. I spoke to 4 different customer service representatives who all gave me a different story on why I didn’t receive funds that I so desperately needed . On one occasion I found where the money was missing and the bank had to do an investigation and replenished the money that “disappeared”. So this is not the first time for losing money that should reflect in the system.I would like to have an investigation into Citi Bank accounts in general. I’m sure I’m not the only person that this is happening  to. The bottom line is that Citi Bank claims that once the deposit disappears (that’s their term) that there needs to be an investigation on why the money disappeared and I have to wait 10 days for a provisional credit for money that belongs to me but clearly visible to the bank on their end. One customer service rep said that, “it’s not released wait 2hrs” , another says,”their not sure why it’s not showing on the account. It looks like it disappeared “, another says that”I have to wait a certain amount of business days “. This is bananas!
Product: Bank account or service

I have a complaint about Merrill Lynch XXXX Alabama office. My XXXX account was taken over with funds exceeding over {$76000.00} and ML allowed a person that was never on account to withdraw all funds. The local Judge heard the case and has ordered that account be refunded, however to this day from XXXX nothing has been done. I have court order with me as XXXX account sole custodian and I have every check that ML has allowed to be cashed and taken from account even after account was frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and XXXX XXXX. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Product: Credit reporting or other personal consumer reports

" I am filling this FTC identity Theft Affidavit to report 1 separate Fraudulent account appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of Identity Theft and Fraud. This Fraudulent account consists of personal credit card opened at XXXX XXXX on XX/XX/year>XXXX  under the account number XXXX. This account has resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I demand aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On my XXXX XXXX Credit Card from XXXX Bank, I had a credit balance of {$8.00} from clothing items that were returned in XXXX. 
On my XXXX from XX/XX/2022 the credit balance of $ XXXX was removed, and in transactions it stated that a credit balance refund was applied. 

I placed a call to customer service and explained that I DID NOT make a purchase, and I DID NOT receive a check for the credit balance, so why was the credit balance removed? 
I requested a check number if, in fact a check was sent, and no check number could be provided. 

I was told that they didn't know what happened to my money and they opened a " case ''. XXXX weeks later, still no answer as to why it was removed, and why no check was issued. The credit of $ XXXX was not returned to my account. I know this is not a lot of money, but they are not authorized to just remove money from my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Finance incorrectly list an account with a balance of {$52000.00}. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received notice that my account with XXXX XXXX XXXX was removed from my credit report and I noticed that it has been reinserted on my credit report. I was never notified that this item was being reinserted and per the Fair Credit Reporting Act the credit bureaus are supposed to notify me in writing within 5 days of the re-insert date. Please have this account deleted off of my report.
Product: Student loan

Navient is billing me incorrectly. For years the amount of my payment due has been around XXXX. Since 2016 I began paying XXXX. In XXXX I made a payment of XXXX because it said I was overdue. It didnt make sense to me but Im trying to buy a house so I paid it. Then I called and they said they had made a mistake and they would credit my payments and I was now paid ahead till XXXX. I then logged in a few weeks ago and it shows I owe XXXX plus dollars in late fees! I called them and said this doesnt make any sense look at my payment t history. And even if that was the case when I overpaid when I made the payment of XXXX after they applied the amount to the normal payment of principal and interest the late fees should have then been paid. I dont have ANY statements or correspondence from them nor can they provide any that shows I have a late balance of XXXX plus dollars. When you look at my payment history you will see it for yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how the company have validated the alleged account reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully Defamation my Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, also Fair Credit Reporting Act 15 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 168in ]. The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. *** ( copied from the affidavit attached ) ***