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

I am writing to formally dispute a negative account that is currently appearing on my credit report. The account in question is attributed to Mid-Atlantic. I believe that this account is inaccurately reflected, and I kindly request its immediate removal from my credit report. In support of my request, I would like to reference specific provisions within the United States Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

FCRA - Fair Credit Reporting Act : Under the FCRA, it is stipulated that consumers have the right to accurate and fair credit reporting. Specifically, section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of information contained in consumers ' credit reports. Any information that is unverifiable, incomplete, or outdated should not be reported. 
Furthermore, section 609 ( a ) ( 1 ) of the FCRA grants consumers the right to request and obtain a free copy of their credit report once every twelve months. In accordance with this provision, I have obtained my credit report and have identified the inaccurate information attributed to the Mid-Atlantic account. 

FDCPA - Fair Debt Collection Practices Act : Although the FDCPA primarily regulates the practices of debt collectors, it can still be pertinent in this context. Section 808 ( 2 ) of the FDCPA states that debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. If the information reported by Mid-Atlantic is indeed inaccurate or misleading, it may be in violation of this provision. 
In light of the aforementioned statutes, I respectfully request the following actions : Thorough Investigation : I urge you to conduct a comprehensive investigation into the accuracy and validity of the Mid-Atlantic account currently appearing on my credit report. This investigation should include verification of the account 's details, including its validity, amount, and timeliness. 

Prompt Removal : If it is determined that the account is inaccurate, unverifiable, or misleading, I request that you immediately remove the Mid-Atlantic account from my credit report, as per my rights under the FCRA. 

Written Confirmation : Once the investigation is complete and any necessary corrections have been made, I kindly request that you provide me with written confirmation of the actions taken, including the removal of the Mid-Atlantic account from my credit report. 

I appreciate your prompt attention to this matter and your adherence to the provisions set forth in the FCRA and FDCPA. I understand that accurate credit reporting is essential for financial well-being, and I am committed to resolving any discrepancies to ensure the integrity of my credit history. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to demand the immediate removal of fraudulent account from my credit report. Unauthorized account have been opened in my name without my consent or knowledge, constituting a clear case of identity theft and a violation of my privacy XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently trying to result my disputing matters with the company but I am getting the run arounds, computer-generated responses and they have failed to provide me with my following requests sent to them by certified mail on, XX/XX/2020, XX/XX/2020 and XX/XX/2020.
Product: Vehicle loan or lease

My vehicle was totaled on XX/XX/2013, I had insurance and GAP coverage for the loan, capital one did not provide the documentation in a timely manner to the insurance company and continued to accrue interest on the loan. The insurance was settled after capital one sent the documents over a year later and I am disputing the amount that was still remaining because the bank failed to send the documentation in a timely manner, and they do not want to remove the balance after being paid what was due on the loan at the time of loss.
Product: Credit card or prepaid card

Representatives of XXXX XXXX, XXXX XXXX XXXX and or Card Services are intentionally delaying processing payments to the account for an XXXX XXXX XXXX XXXX XXXX credit card.
Product: Money transfer, virtual currency, or money service

My problem is simple : on XX/XX/XXXX an unauthorized transfer of {$200.00} was made from Venmo to go to my daughter XXXX which she never received. I only know this because the transaction showed up on my XXXX XXXX account as a transaction from Venmo. My daughter doesn't even keep the Venmo app active on her phone unless she is expecting to make or receive a transaction. Instead of Venmo correcting the error and returning the funds to my account I talked to a Venmo rep who said she needed my daughter to call to say the transfer was not received and was not requested by her. She did so. Then we called together to explain and were told the money would be replaced on XX/XX/XXXX. 

We called Venmo again and were told the money went to her XXXX XXXX account. It did not ; she transferred the money back to me via Venmo at XXXX on XX/XX/XXXX. She had to download the Venmo app to do so, which she did.The {$200.00} has not been returned, we've talked to several representatives none of whom seem to be able to correct this error or even explain how it happened. And we get a different story every time. First I was told this unauthorized transaction may have happened accidently if my phone was unlocked in my purse similar to XXXX XXXX XXXX XXXX someone. Then a rep told me I tried twice on XX/XX/XXXX to send the {$200.00}. I never authorized any payment to my daughter and we have spoken to Venmo separately and together to get this resolved. I mentioned this mysteriously happened once before in XXXX. I simply got in touch with Venmo, they reversed the transaction, charged me a transaction fee and that was resolved. I disputed the fee and that has never been resolved. Now, I had to get " permission '' from my daughter for the money to be returned, she had to verify who she was before they could accept her " permission, '' and on and on. Plus, Venmo has NO NOTES on all of these calls so we have to start from the beginning each time we call or I write to the company. There is no trail of information about unauthorized payment. When I asked, what if the recipient had not been my daughter but a stranger, would I have had to get the stranger 's permission for Venmo to correct the error? I get no response to that question. The final email I received said my case was denied because the {$200.00} transaction was not unauthorized! 

I need my {$200.00} put back in my account. It is causing me to have to monitor my account daily to keep from being overdrawn, which is now likely to occur before the month 's end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( XXXX.XX/XX/XXXX ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it XXXX that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's credit report.
Product: Credit card

I have a XXXX credit card through CitiBank/Best Buy. On XX/XX/XXXX the credit limit was {$5500.00}. On XXXX I made a payment of {$3000.00} to lower my debt on the card in anticipation of a charge that was going to be made. A few days later, that charge was placed on my account for a maximum of {$330.00}, but it could have been lower, it was a lottery charge. On XXXX I received notification that my credit limit was being dropped down to {$3100.00} where it currently stands. This was immediate and with no warning. I had no room to dispute or ask for delay. I immediately placed another payment of {$500.00} so the charge of {$330.00} would clear, as this would place my account far too close to the credit limit. I had to previously ask credit services to push through the {$3000.00} charge, and they were kind enough to do so. But this time with the {$500.00} it was a total nightmare. I spent a good chunk of the day on the phone being passed around different departments and at one point was even referred to XXXX who had nothing to do with the payments. They eventually pushed my payment through, and I lost out on the purchase. It was declined, and I lost my chance at what I was trying to purchase. 

I have made XXXX payments of {$200.00} since, and not a single one of them has lowered my credit balance. Citi seems to be refusing to apply my payments to my balance. I am not going to go through the process of calling and fighting with them again. I am also worried they will drop my credit limit again out of spite. I have being continuously denied more charges because of this despite clearly having the proper account balance. The discrepancy is in the " available credit '' which they will not lower. Today, my account balance shows over {$500.00} less than the credit limit, but my available credit is negative {$83.00}. I had to fight them again today just to get my account semi-cleared to use for something else, and I still couldn't use it to the full capacity.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove thank you. 
XXXX XXXX XXXX XXXX, Ms XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ms XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of the of the XXXX XXXX XXXX, as well as victim of the XXXX Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach which led to me being a victim of Identity Theft. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe XXXXXXXX XXXX  handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested XXXX to provide their method of verification several times back in XXXX, XX/XX/XXXX, and as late as XXXX of XXXX
Product: Payday loan, title loan, or personal loan

I got this loan for XXXX I made a couple payments on it before I ended up out of work due to medical reasons. I called to explain this the loan was actually a lease on a puppy. When I spoke to them the lady said if I could care for the puppy I should be able to pay my loan. The loan eventually was put into collection and now is totally XXXX. This is outrageous is there any thing we can do. I feel as if I have been taking advantage.
Product: Debt collection

XXXX XXXX XXXX is trying to sue me for the Amount of {$3600.00} by way of Attorneys office : Kramer & Frank XXXX XXXX XXXX. XXXX. 
XXXX XXXX, MO XXXX File # XXXX XXXX XXXX ( XXXX ) XXXX Letter was sent to my Residence on XX/XX/2018. It is quite a friendly cute letter if you will. XXXX XXXX XXXX is in Bold lettering implies yelling. XXXX XXXX is the contact for the above listed Attorneys office. they offer for me to pay online at XXXX. I will admit I was XXXX off due to the amount of overdraft fees you and I know accrue with Banks. You can gather they are harassing me and want to file for a judgement to be placed on me. You know when one has a XXXX his/her income is limited well my income is limited I receive XXXX dollars on the XXXX of each month from XXXX XXXX XXXX who by the way allows me to withdraw {$60.00} dollars each month in cash for the payment of XXXX dollars. I withdraw XXXX then I pay XXXX dollars so I really pay {$40.00} dollars for {$60.00}. I admit I need to pay XXXX XXXX some money due to a delinquent account, credit card, However, I did pay over 75 % of the balance due to the fact that I thought that I would be able to keep my Job and pay my bill. However you know it 's time like this that I wish I 'd never gave XXXX XXXX {$20000.00} XXXX XXXX {$10000.00} XXXX XXXX {$20000.00}. You know right now their rejoicing in the fact I cant pay XXXX XXXX XXXX for the Credit Card. My spending got out of control when I lost my Job. Sorry this informative letter is n't perfect according to Legal Standards However, I Hope that I 've Voiced myself concerning this matter correctly. 
Last I live at a XXXX XXXX XXXX in XXXX Missouri Like the Creditor.
Product: Money transfer, virtual currency, or money service

Complaint against Western Union Location in XXXX XXXX : This is not the first time this happened to me. I sent money and was told that the money will be available on XXXX XXXX. I told my son to pick-up the following day because of the previous experience when he came on the date we were told the money was available just to find out it was not. Today is XXXX XXXX, my son went to pick-up and AGAIN was told the money is not available. I called Western Union and the agent said the money is already available. This is the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX location.
Product: Credit card or prepaid card

A large payment was made to compensate for the next XXXX months payments because I was unable to pay due to being XXXX. XXXX XXXX XXXX military. Navy federaXXXX did not accept this and reported me late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Went online to check my Transunion report. Couldnt sign in. I called the # XXXX XXXX XXXX - XXXX assisted me and gave me another direct number to call the consumer help at XXXX. While on hold, i decided to online chat - Had a very long chat with XXXX only to find out the only phone number associated with Transunion is XXXX. 
I took a snap shot of out conversation and told them, if they cant get into my account, i would report this is whomever I can. 

A bit of background - 2 months ago, while at work, Human resources person, XXXX, came over and laughed then asked me if I tried to collect unemployment, now both of us are laughing - the answer was " NO ' ; so she said someone filed for benefits under my Social Security number. 

Not sure if this is all related, but I am sick of it all. 
I will pray that you can obtain the answer quickly and easily. 

Have a Blessed day and stay well.
Product: Debt collection

Was called by them, long story short, I was threatened to have wages garnished, told I had a summons ( which I called and there were none ). Continues to call and leave harassing messages with the business office of the company I work for. Continual harassing calls to my cell phone. This company is engaging in bad and illegal debt practices. These calls to my employer and to me need to stop immediately. They are against the law.
Product: Checking or savings account

On Friday, XXXX, I made a {$150.00} payment over XXXX to a close friend, which i authorized. Afterwards chase sent me a fraud alert via text message and called me when I said I did not make the following transations that followed. I DID NOT AUTHORIZE the next transations, and they believed me, and sent me credits back. I asked them to close my account or lock it, and they said they did and to come into a bank Monday. When I arrived at the bank my account was empty again and it was for different amounts from XXXX pay again. They returned 2 out of 5 payments that I was told all went to the same recipient, all 5. They gave me back {$340.00} out of {$970.00} and closed the investigation. I have been calling them almost every day for two weeks and have been into 2 different banks on multiple occasions. I DID NOT authorize these transations and feel I deserve the money returned because I know they have the facts on their end.
Product: Debt collection

QUALITY ASSET RECOVERY has been contacting for a long time about medical bills that are not mine. I have been disputing these accounts for a long time. More recently, on XX/XX/XXXX, i disputed both accounts reporting on my credit. One in the amount of {$1500.00} and the other {$1000.00}. On XXXX XXXX, i disputed again after disputes came back verified. I asked for method of verification. I have not received any word or feedback. The times i have called them to dispute, they refused. The rep was extremely NASTY AND VERBALLY ABUSIVE TO ME AND REFUSED TO TRANSFER MY CALL TO A SUPERVISOR. AT THIS POINT I NEED THE DEBTS REMOVED FROM MY CREDIT REPORT AND ALSO ALL CONTACT FROM THEM CEASED DUE TO THE ABUSE I'VE UNDERGONE. OTHERWISE, I PLAN TO SEEK COUNSEL AND SUE THEM.
Product: Credit card

Fraud began in XXXX by an identity thief known to me, I reported the fraud when I became aware sometime in XXXX. There have been multiple cards and bank accounts opened by this person as well as two stolen credit cards that I opened that were used that I will make separate complains for. I have recently been advised by an agency ( XXXX ) that I should file an FTC report since I have been unable to obtain a police report in all these years due to various reasons by the XXXX. 

Regarding Express specifically, in XX/XX/XXXX I requested all statements from Express and I was told they would send them to me within two weeks. I have not received them. This is necessary to attempt to successfully file a police report again.
Product: Checking or savings account

An unknown individual used my information to make a purchase on XXXX so I made a fraud claim with US Bank who the account is with. A few days later some random US Bank employee decided to cancel my claim without telling anyone ( it wasn't Denied it was Cancelled like as if it had never been filed ). I wasn't notified in any way. They cancelled the claim after the money had been returned to the account causing it to get charged a second time. I guess they decided I needed to go on a roller coaster ride. The second time I called about the fraud the employee had no idea what was going on since the previous employee didn't document or tell anyone else what they did. It took him a longtime to find out even basic information on what was going on. I have no idea if I'm ever going to get my money back. 

How is it even legal for them to cancel a fraud claim a pretend it never existed? And they aren't required to notify the complainant either? 

I've had nothing but bad experiences banking with US Bank to the point I rarely even use the account that the fraud was committed on which makes this even more annoying. This is the type of place that at least at my branch the Drive-Thru tellers also handle the answering the phones which ends up with them all busy and no one being helped in Drive-Thru.
Product: Checking or savings account

On XX/XX/22 I received three emails from Truist Bank that a personal checking account had been opened in my name. My full name was on the email with the account. I called Truist to confirm and they did confirm an account had been opened in my name. I was told that someone must have my name, address, date of birth and social security number in order to set up an account, but that the phone number doesn't have to be accurate. I called Truist and they closed the account and forwarded my issue to their fraud department. They are supposed to call me if additional information is needed, but I wasn't given more information than that.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I noticed there are a few problems on my personal credit report on XX/XX/XXXX. 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. '' Please correct the spelling on my name to : XXXX XXXX XXXX I should only have XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account number : Account balance : XXXX Account name : XXXXXXXX XXXX XXXXXXXX When the account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX  When the account was opened : Account balance : {$420.00} Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : XXXX Account name : XXXX XXXX XXXX when the account was opened : XXXX XXXX Account balance : {$300.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account balance : {$1000.00}
Product: Credit card

Recently, I 've been having difficulty meeting my minimum payments on XXXX of my credit cards with Bank of America. I 've called and explained to them the situation, after being a loyal customer of theirs for many years, no one seemed to care about me and my situation, rather only cared about their money and their high interest rate. In my time of need, I asked them to lower the interest rate and/or work out a payment. I was declined XXXX options. I do n't think I am being treated fairly. They are only out to receive their high late payment and interest fees. They have no interest in what 's best for the customer.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022