23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC XXXX. XXXX XXXX XXXX, FL XXXX XXXX : Account # XXXX ERC failed to respond to my credit dispute letter that I sent via certified mail on XX/XX/2021, U.S. Postal Service tracking number XXXX. 

I am attaching a copy of the dispute letter that I sent via certified mail asking ERC to verify the accuracy or remove the unverified accounts listed below. According to the USPS ERC received my dispute letter on XX/XX/2021. 

In failing to respond to my dispute letter, and failing to verify that these accounts belong to me before the end of the 30-day period beginning on the date that ERC received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

I demand the following accounts be removed immediately. 

Name of Account : Account Number : ERC XXXX
Product: Mortgage

I have a mortgage through Union Home Mortgage. I pay the bill automatically every other week instead of paying it automatically on a monthly basis. This eliminates 6 years of payments from the total loan. Without my knowledge or consent, they cancelled the automatic payments and I got an overdue bill. I asked them to reinstated the automatic payments every other week and they agreed ; however, they didn't do it. I had to call and email multiple times. It's now fixed and I've missed 4 months of payments every other week. I've asked them to credit my account for the amount I would have saved for those 4 months, if they hadn't erroneously cancelled all of my automatic payments. I've heard back from them on other issues but not this. So I asked them twice if it would be best for us to work with the CFPB and they didn't respond.
Product: Credit reporting or other personal consumer reports

After numerous attempts to speak to someone over the phone, via their dispute site, and through mail, I sent a formal letter of intent to sue over the following FCRA violations. This was the only time that I received correspondence. 
Numerous Privacy violations FCRA VIOLATIONS INCLUDING REPORTING OLD/OUTDATED INFORMATION, MIXING MY CREDIT FILE WITH MY FATHER 'S ( WHO HAS THE SAME NAME AS MYSELF, AND HIS WIFE AND MY WIFE 'S FIRST NAMES ARE THE SAME ) FAILING TO SEPARATE MY FATHER 'S CREDIT FILE FROM MINE. 
Failing to investigate a dispute REFUSING TO DELETE UNAUTHORIZED INQUIRIES XXXX XXXXXX/XX/year> AFTER A PHONE CALL FROM ME STATING THEY WERE NOT VIABLE, FAILING TO UPDATE RECORDS. 
Violating 15 U.S.C. 6802 WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

15 USC 1681 STATES TRANSACTIONS ARE TO BE EXCLUDED AND THE REPORTING OF LATE PAYMENTS IS ALSO ILLEGAL AND YOU HAVE ALLOWED SUCH THINGS ON MY CREDIT REPORT IMPERMISSIBLE CREDIT PULLS AND PRIVACY VIOLATIONS INCLUDING 15 USC 1681Q- OBTAINING INFORMATION UNDER FALSE PRETENSES, THEN VIOLATING 15 USC 6802 ( XXXX XXXX XXXX XXXX ) WHEN YOU DID NOT ENSURE THE PROTECTION OF MY PERSONAL FINANCIAL INFORMATION. 

18 USC 1028 A- THIS IS A FORM OF AGGRAVATED IDENTITY THEFT AND IM LOOKING TO PURSUE DAMAGES TO THE EXTENT OF THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

A COLLECTION XXXX XXXX  XXXX  APPEARED ON MY XXXX, XXXX AND EXPERIAN. THIS ACCOUNT DOESNT BELONG TO ME. PLEASE REMOVE FROM CREDIT BURUEAS
Product: Credit card or prepaid card

My credit card was used at an XXXX XXXX outside my home city on three transactions in one day ( XX/XX/2019 ). One for {$1500.00}, second for {$1500.00}, and third for {$430.00}. When I noticed the charges the following day, I called Chase to cancel the card and send me a replacement. I also disputed the charges, the charges were then temporarily removed and then added back on my account. I have had a Chase credit card for almost 4 years now and have never disputed a charge until now. My credit limit is {$5000.00} and this fraudulent charge has caused me to go over my limit thus negatively effecting my credit score.
Product: Credit card

Attached is a copy of a Collection Letter received by myself. Virtually Simultaneous to the mailing of this letter, which by law is to permit an answer by defendant within 30 days to any disputes of debt or any portion of it, to gather whatever evidence the defendant might have or to seek legal advice and discuss any remedies to alleged debt, the Alleged Creditor thru their Attorney in Violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act the Collection Company filed a complaint with the court. 
I attempted to contact the Collection Companies Attorneys of record on several occasions including XXXX XXXX, 2015 and XXXX/XXXX/2015 to discuss first and foremost the violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act as well as the alleged debt and on both occasions was told a different amount was owed $ XXXX than in the complaint and that XXXX of the attorney 's would reach out that day or the next or in the case of the XXXX XXXX call the next day or at that very latest XXXX XXXX to discuss the violations and the alleged debt. In neither case did this occur. In fact in further violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act a letter dated XXXX XXXX, 2015 was sent to me stating that I had instead of notifying them of violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act, that I was in fact merely calling to dispute the debt, continuing to use the fruits from their poisonous tree to further their own case, and attempt to protect and insulate themselves from ongoing violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act. 
In addition it appears my own research that any alleged debt that might exist is not with this Creditor as I can not get alleged original creditor to verify that XXXX is the creditor of record. The only references of record that I 've been able to get via XXXX number references are a company called XXXX Capital that then referenced a company called XXXX. As such there is certainly the peril that if I were to make any arrangement with this Collection Company that additional alleged creditors could present themselves at a future date. The presentation of copies of alleged statements from the original creditor in possession of Collection Company does not constitute a legal ownership of alleged debt.
Product: Credit reporting, credit repair services, 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 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 which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 reporting or other personal consumer reports

ear Equifax Customer Support, I am writing to formally file a complaint regarding my ongoing inability to access my credit report. Every time I attempt to log in, I receive a message instructing me to call customer support. I have already called 3-4 weeks ago, completed the verification process, and was assured that the issue would be resolved. However, the problem persists, and I am still unable to access my report. 

Despite this issue, Equifax continues attempting to charge me for a membership service, even though my access remains blocked and the problem has not been fixed. This is unacceptable, and I expect immediate action to resolve the situation. 

I request that : 1. My access to my credit report be fully restored without further delay. 
2. Any unauthorized charges related to the membership be refunded.

3. A formal response explaining why this issue has not been addressed despite my previous calls. 

If this matter is not resolved promptly, I may consider escalating the issue to the relevant consumer protection authorities. 

Please address this matter as soon as possible and provide an update on the resolution.
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report from the XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) are completely unacceptable and need to be addressed immediately. These accounts are falsely reported with late payments, even though I have always paid on time. Under 15 U.S.C. 1666b ( a ), creditors can not legally report on-time payments as late, and this false reporting violates the law. Furthermore, their failure to ensure MAXIMUM POSSIBLE ACCURACY as required by 15 U.S.C. 1681e ( b ) under the FCRA is unacceptable. Failure to address this issue violates FCRA 611 ( a ), which requires a proper reinvestigation of disputes, considered violating the law of willful non-compliance under FCRA 616 and 617, making them liable for damages of up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received recent credit reports from XXXX, Transunion and XXXX. On them, I am seeing several hard inquiries that I am not familiar with. I have not applied for credit in over 3 years, yet new inquiries are on each credit reporting companies reports? I have not authorized any such permission and my account should be on a fraud alert, triggering someone to contact me.
Product: Credit reporting

Submitted a dispute with Experian. They immediately respond that debt XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX2011 indicated the debt is mine. I viewed who the collecter is collecting a debt for and I never attended the school. So to fraudulently hold me for a debt I am not liable for is outrageous. They have had this fraudulent debt on my credit report since 2011 and requesting that it immediately be removed.
Product: Student loan

NelNet Servicing LLC along with the department of education sent me a letter saying that any payment made. on my federal student loans made after XX/XX/2020 I am entitled to a refund which in total come up to {$9900.00} but the company that took the money which is XXXX XXXX is telling me that they are not giving me a refund of those payments. They are saying that XXXX is the bank that issued the loan and they not giving my money back either. The date of XX/XX/2020 is the day I became total and permanent XXXX. Firstmark Services is a division on Nelnet the company that sent the letter XXXX ID # XXXX
Product: Money transfer, virtual currency, or money service

Wire transfer to my account XX/XX/XXXX & XXXX 2020, thru XXXX {$2500.00} two transaction. After those Coinbase would not let me get into my account either to forward or remove funds. I could not get on line, even change passwords, they froze me out.. When on line for a phone #, call a # and got someone to help me.. He help me to ad {$2000.00}, to my account. I thought he was a employee of Coinbase., after that transaction, somehow he remove my {$4500.00} out of my account.. His name was XXXX his # XXXX. 

Wrote two certified letters to Coinbase, tp XXXX XXXX Chief Excutive Officer on XX/XX/XXXX, and XX/XX/XXXX, and have not heard one word. Finally got a way to get into my account thru XXXX, which show XXXX balance, this was with there help line. 

I feel Coinbase has a responsibility to protect my investment, I never get a any notification funds were moved out of my account.
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  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

I hope this message finds you well. I am writing to express my concern and seek immediate resolution regarding an unauthorized charge and the subsequent overdraft fee incurred on my account. 

On XX/XX/2023, I made a payment of {$140.00} to my account with XXXX XXXX XXXX. I promptly realized a mistake had been made and immediately contacted card services via the XXXX support line to request a cancellation of this charge. I was assured that the charge would be reversed. Consequently, I resubmitted the payment on the same day to my correct account at XXXX XXXX XXXX, which was successfully posted on XX/XX/2023. 

However, I was dismayed to discover that on XX/XX/2023, XXXX 's card services attempted to withdraw another {$140.00} from my now inactive account at XXXX XXXX XXXX. This attempt not only was unauthorized but also resulted in an overdraft fee of {$30.00} being debited from my account. 

Upon contacting XXXX 's card services, even after verifying the accuracy of the aforementioned transactions, I was informed that the charge on XX/XX/2023 ( which is not reflected on my account ) was authorized. I want to categorically state that this charge was not authorized by me and has resulted in financial damages amounting to {$30.00} at the time of lodging this complaint. 

Moreover, I am deeply concerned by the comments made by XXXX 's XXXX Services, indicating potential unauthorized attempts in the future. This raises significant security concerns and demands immediate attention. 

I kindly request the following actions to be taken : A thorough investigation into the unauthorized charge dated XX/XX/2023. 
Reversal of the {$30.00} overdraft fee incurred due to the unauthorized charge. 
XXXX that no future unauthorized attempts will be made on my account. 
A written confirmation detailing the resolution of these matters. 

Your immediate attention and swift resolution of this matter are crucial to maintaining the trust and confidence I have in your institution. I appreciate your understanding and cooperation in advance. 

Thank you for taking the time to address my concerns. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

After making payments on medical debt for 55 months, and after receiving verbal assurances that this would not be reported to Consumer Credit Bureaus if payments remained timely and current, the debt was reported to XXXX credit reporting agencies as being placed for collection on XX/XX/2016.
Product: Bank account or service

Bank of American violated Federal rules when they placed a 10 day hold on a ATM deposit of Cashiers check {$4600.00} that I had drawn from my XXXX locally down the street. After calling them multiple times and visiting the branch 3 times on my trip out of state. They decided they can just do what they please even after I pointed out to employees and supervisors that they were violating FDIC rules on clearing bank deposits. Their actions caused me to be late with my mortgage payment which I transfer every month through the branch. The hold did not qualify under the exception rules at all and they were told that and still kept the hold in place long after the cashiers check cleared. I want some sort of sanctions or formal reprimand placed against B of A for not following the rules and I should be given both an apology and some sort of monetary compensation for damaging my payment record with my lender and causing me to drive 3 hours 3 times out of state to the nearest B of A while I was on vacation to try to handle the problem. I had to pull out over {$4000.00} more from another bank causing me extra fees and charges just to make my mortgage payment which was late because of their hold.
Product: Credit reporting, credit repair services, 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 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 of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Debt collection

I called Capio Partners to pay off XXXX of my debts and also to advise them that the items was no longer a disputed item. They said it was not in dispute yet it keeps reading that on my credit report and after XXXX plus minutes on the phone I was transferred to several people and forced to pay XXXX bills ( XXXX which I never knew ) was in collections. After explaining that I was reading this information from my credit report because I 'm trying to move they threaten me with the XXXX new items that was never advised to me I had. He said I had to pay them all and that the new XXXX items was going to hit my credit report within 10 days. It hit my credit report on XXXX XXXX 2015, but on the credit report it says XXXX report XXXX 2015 and then report again in XXXX. This is n't true because I 've had my credit report pulled every month for 7 month since trying to get a house and they knew this once I called them to pay and they threw these items on my credit report and dropped my score and still report them as being disputed. Now I 'm being held up with my closing date. They would n't even take my money for a XXXX of them. They said I had to pay all.
Product: Checking or savings account

i closed a checking account on XX/XX/XXXX and it has not closed yet with a promise it will close in three days at least once a week.received a promise today
Product: Checking or savings account

XX/XX/year>. I had made a transaction with XXXX using a credit card. Instead they put it through my bank account. They started the problem. I called them and they advised me to contact the merchant and request them to refund the transaction to avoid an issue with the payment to the bank. I did this and the transaction was refunded by the merchant to XXXX and showed refunded XX/XX/XXXX. I heard nothing more after until today. Suddenly my bank account was hit for the funds even though it was makes refunded. I then called my bank to stop payment and they said they couldn't but filed a dispute. However, they tell me it will take up to XXXX business days to resolve. In the meantime they will not allow me a conditional credit and will therefore bounce my payments made for tonight and ongoing. They do not care about the effects on my credit because of this. My brother was able to XXXX XXXX  but this is inexcusable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an account ; XXXX XXXX XXXX that's not mine.
Product: Credit card or prepaid card

This is additional information regarding the complaint # XXXX that i submitted earlier today regarding this matter. 
Bank of America credited me with {$73.00} for a fraudulent car rental charge made in XXXX XXXX Bank of America wrongly reversed that credit and charged me the {$73.00}. Bank of America got the {$73.00} back from the dishonest car rental company on XX/XX/2020 but still refuses to give me the {$73.00}. Thus Bank of America got the {$73.00} back from the fraudulent vendor, but instead of giving the money back to me Bank of America is keeping the money for itself. 
As I mentioned in my original complaint filed earlier today, I do not have the computer skills to attach documents that I mentioned in my original complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

New open delinquent account showed as open XX/XX/XXXX. I have not had an account with XXXX XXXX since XX/XX/XXXX. The account information is incorrect and re-aged. It should be deleted. Attached are the only loans from XXXX XXXX that I have received
Product: Debt collection

I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am unaware of this debt and have not received any proper notification as required by law. If you believe that you have provided me with proper notification, I request that you send me the certified receipt that includes my name and signature as evidence of delivery. 
Until this information is provided, I do not acknowledge the debt.