23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

Synchrony Bank was sent a negotiable instrument for payment per UCC 3-104. The negotiable instrument is legal tender under the UCC. Synchrony Bank can securitize the negotiable instrument per 12 USC 431 and 12 USC 412. However, Synchrony Bank refuses to acknowledge the payment and will only accept Federal Reserve Notes, which is highly illegal. They were sent a debt validation letter in which it was ignored. Instead of acknowledging the debt validation letter, another bill was sent. Previously, the bill was set off to XXXX  after sending a debt validation letter. A few days ago, I received another bill alleging full payment. All correspondences where sent via certified mail. 

Synchrony Bank accepted the negotiable instrument per the UCC and never returned it. According to the UCC, the debt is considered discharged. When I endorsed the promissory note, I signed with " with recourse '' which gives me limited liability. If Synchrony Bank is contracted with the XXXX XXXX XXXX XXXX per the " Federal Home Loan Bank '' Act, then they have access to the federal reserve window. To this day, Synchrony Bank has yet to provide evidence of indebtness by my debt validation letter per 15 USC.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry from XXXX XXXX still showing on the latest credit report on the Equifax website. It was supposed to be removed in XX/XX/ and it is now XX/XX/ and it is still present.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This creditor/credit collection agency is fraudulently reporting this collection to my credit report since I have never signed any contract or been in any agreement with the company. I also have reason to believe that this company XXXX not be licensed to do business in the state of Illinois. This information should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX not exactly sure of exact dates etc, but I was sent an email about Wells Fargo and unauthorized fees, which I have experienced since being a customer with them over the last XXXX years, quite frequently. It seemed like every other month there was a {$35.00} fee or a monthly fee that frankly I was under the impression when opening up my XXXX checking accounts, XXXX was a joint account with my spouse, and a savings account that monthly fees were waved but it seems I was always charged something.
Product: Money transfer, virtual currency, or money service

Cash app allowed money too be stolen out of my account I was in the XXXX around the time it happened. I have documents also
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Transunion on XX/XX/year> asking them to investigate these accounts XXXX XXXX, XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Debt collection

I am disputing this as erroneous. I was quoted an amount for the insurance premium and paid it in full. After sending the last payment, making XXXX balance due, and after cancelling my insurance as it was no longer needed, XXXX proceeded to harass me with repetitive audits where they kept coming up with new amounts supposedly due and then adjusting the alleged amount due after each new audit. I provided all the necessary information to them yet they kept doing audits and I have contacted them numerous times both by phone and email in attempt to resolve this, but they continued to the point of it being harassing. Then they sent me to collections when I do not owe them anything. I am kindly asking this collection agency to stop sending me bills since I have proof the policy was paid in full and also of cooperating with their harassing, confusing, and unfair audit process. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding inaccuracies in the reporting of the XXXX XXXX XXXX credit card account on my credit report. Despite multiple requests, I am still seeing discrepancies across the reports from XXXX, XXXX, and Equifax.
Product: Checking or savings account

I have been with Navy Federal Credit Union since 2021. On numerous occasions, I have found on my on-line bank statements, duplicate postings, not only in deposits but withdrawals. I have contacted Navy Federal, and they said they would take care of this issue. Well this issue have caused, XXXX  and other problems with my account and creditors. 
Please fix this issue with XXXX.
Product: Credit card or prepaid card

I signed up for a credit card with American Express to receive XXXX XXXX miles after spending {$4000.00} in 3 months. I called American Express several times asking for a status. They have told me that insurance payments dont count towards the {$4000.00}. I had a customer service rep investigate this on XX/XX/XXXX. She said that that was in error and on XX/XX/XXXX I would have received a bonus. Today ( XX/XX/XXXX ) I used the chat function and called and was told that the previous investigation was closed and I would have to wait XXXX days for a new investigation, followed by an additional XXXX weeks. This was after they told me I would not qualify, but then corrected themselves after being told to check my record.
Product: Checking or savings account

I have revolving acct saving if My checking acct were to get below {$100.00}, they will transfer money from saving to checking so I would not be charged a {$25.00} fees. 
Wellsfargo closed my saving acct without my permission and started charging me {$25.00} fees for my checking account on monthly basis. When I called them, they claim that the offer is no longer available and was terminated by the bank.. This happen prior to 2017. 
This illegal conduct had caused me to pay {$25.00} monthly charges and caused me to pay numerous over draft.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$190.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX Date Opened XX/XX/XXXX Date Opened XXXX - Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian need to remove/ delete my Bk
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report and XXXX XXXX, XXXX and equifax want delete them. They are 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 and XXXX, XXXX XXXX , us sm Bus XXXX and XXXX XXXX XXXX .
Product: Checking or savings account

On XXXX XXXX I posted a cheque for a XXXX Card in the amount of XXXX XXXX Dollars in the mail box at XXXX XXXX XXXX in XXXX N.Y ( cheque # XXXX ). On XX/XX/XXXX, I discovered an unauthorized withdrawal from my account in the amount of {$9800.00}. I contacted my bank, XXXX and they said " The cheque # XXXX in the amount of XXXX was deposited in The Bank of America. The cheque # XXXX was altered and was payable to one XXXX XXXX for a car purchase. It is three months now and XXXX can not recover my money. I would like to know how Bank of America can cash a forged cheque. I want my money back. 
I already sent you a complaint about XXXX. I need to know from Bank of America when I will get my money back. 
Why cant XXXX XXXX  and Bank of America N.A settle their dispute and refund me my money.
Product: Credit reporting or other personal consumer reports

UMB Bank in XXXX reported I applied for a loan and reported I worked for a employer that I dont even know. That employer contacted me threatening action because a investigation company started harassing him and was contacting police/threatens a lawsuit. 
Im on workers comp and found that my disgruntled employer used my employment information to put this on my credit report to cause trouble with workers comp. I called this UMB and they removed the false employer immediately but left the inquiry on my reports. I also requested a report of where and what this application was for and was refused any cooperation. It was made through UMB at their XXXX XXXXXXXX XXXX XXXX. ( Close to my employer ). I know it was made on XX/XX/2023. This bank will not cooperate with me. I have a right to a report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX  Hard Inquiries XXXX I did not authorize this inquiry XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX Hard Inquiries XXXX I did not authorize this inquiry I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. 
Removal or correction of the inaccurate information. 
An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
Sincerely, XXXX XXXX
Product: Debt collection

This debt only shows up on my XXXX credit report and it has been deleted from both XXXX and XXXX which I believe is grounds for removal from my XXXX as well. I am also attaching a screenshot of the collection from the credit report and a copy of the letter that I have mailed to the collection company in which I am challenging the debt.
Product: Bank account or service

I keep getting over XXXX XXXX but they wo n't let me check my account because I 'm supposed to have online bank account but I ca n't sign into it every time I go and try to sign in to tell me I 'm not authorized call do you get the problem solved they give me a new username and password I 'll try to get on and still ca n't. I 'm being charged {$300.00} a month I will draft the I ca n't afford them on a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  ( Original Creditor : XXXX XXXX XXXX  ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CCI ( Original Creditor : XXXX XXXX XXXX ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an two dispute letters to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XX/XX/XXXXAccount Number : XXXX Status : Charge Off XXXX Account XXXX : XXXX Status : Charge Off XX/XX/ Account Number : XXXX Status : Charge Off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge-off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge-offXX/XX/XXXX Account Number : XXXX Status : Open ( Overutilized )XX/XX/XXXX Account Number : XXXX Status : ClosedXX/XX/XXXX XX/XX/XXXX Account Number : XXXX Status : Closed These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Coinbase took money from my bank account but did not deliver the purchased cryptocurrency. My account was under the email : XXXX email from : Fri, XX/XX/2017, XXXX PM states : Your purchase for {$4600.00} USD of ETH has started Your funds will be available by XX/XX/2017 However, the funds were never accessible. I could not trade them, sell them, or transfer them. Coinbase has since closed my account and I have no access to them. 


The transaction details are : Amount XXXX XXXX XXXX rate @ {$300.00} / XXXX XXXX {$4500.00} Fee {$68.00} Total {$4600.00}
Product: Checking or savings account

In XX/XX/2022 I received a message saying that my checking account balance was XXXX. I have a XXXX XXXX XXXX XXXX XXXX ) account which I checked and attached to that account was an Everyday checking account that I had not opened. I called Wells Fargo and reported the fraud. It took them about 4 weeks to resolve the issue and said that someone had opened the account online. In XX/XX/2022 I received the same message and checked again and found that Wells Fargo allowed someone to open a checking account again in my name linking it to the XXXX account. I again called Wells Fargo to report it and asked them to not allow any online changes to be made to my accounts. If a change is to be made to my accounts it will need to be done in a branch and person should show ID. Wells Fargo said that they could not do this. What an international bank can not protect its depositors from fraud on their accounts, thats ridiculous. I want Wells Fargo to put a stop to allowing people to opening any account and linking it to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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