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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : REGIONAL ACCEPTANCE CO Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

Loancare fraudulently resubmitted an online billpay check to my credit union. The second payment from my account taken on XX/XX/19. The initial payment was paid by my credit union on XX/XX/XXXX, then Loancare retried it on XX/XX/XXXX and my Credit Union paid it again causing overdrafts, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX and XXXX have both violated my rights. 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 an account without my WRITTEN instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that XXXX, XXXX or Equifax would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( XXXX ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX /Received : XXXX /Submitted for Investigation : XXXX Response from XXXX XXXX - Results : Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX Submitted for InvestigationXXXX Response from XXXX : XXXX - Results : Unchanged Letter # 2 ( XXXX ) - : WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY XXXX/XXXX/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Letter # 1 ( EQUIFAX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent XXXX XXXX / Rcvd : XXXX NO RESPONSE XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent : XXXX Rcvd : XXXX XXXX RESPONSE Letter # 2 : ( EQUIFAX ) Past 30 Days-NO RESPONSE /Demand for Delete 0616 4.6 ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :?/ Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :? /Submitted for Investigation? NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX
Product: Money transfer, virtual currency, or money service

I had used my Bank of America mobile application to XXXX an amount to a friend. This amount was for {$3500.00} on XX/XX/XXXX using the mobile number ( XXXX ) as the XXXX account. The money was debited from my Bank account immediately but was never received by the intended recipient. It has been XXXX  days and the recipient has still not received any money from Bank of America. 
Bank of America is refusing to credit the amount back. I have offered to provide proof that the amount was not received by the recipient in his bank account but Bank of America is still not crediting the amount back to my account. They are also not providing any resolution forward. The XXXX service by used through my Bank of America account. 
Please help with the resolution. I can not afford to lose {$3500.00}. 

Bank of America has confirmed that the recipient is a XXXX bank customer and the recipient is ready to provide a proof from his account statement that the amount is not received.
Product: Credit reporting or other personal consumer reports

The following accounts were not initiated by me and I suspect identity theft. I have already submitted several disputes regarding this, the creditors just ignore them, so please I ask that this time they will review more thouroughly, I am including my ID here and a copy of my social as well as a proof of address, please forward this to the bureaus on my behalf, last time they disregarded the ID I had sent. 

The accounts in question are as follows : XXXX XXXX XXXX {$2900.00} XXXX XXXX {$1400.00} XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX- {$1200.00} XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING INACCURATE INFORMATION ON MY CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I have late payments that they will not remove and according to 15 United States Code 1666 ( a ) & ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' this is unlawful and shouldnt be reporting at any time! 
And i have unauthorized inquires on my file thats not attached to any account an they will not help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly attempted to get my accounts status corrected with Experian.     I was just declined credit due to the fact that there is inaccurate and erroneous information on my credit report. I have a Chapter  XXXX  Bankruptcy that was discharged in   XX/XX/XXXX  . They have an account that still shows as " Charged Off '' I just a ttempted ( XX/XX/XXXX  ) t o get credit and was denied. I was told that the reasoning is there is a charge off on my account showing. I have attempted to dispute AGAIN the status of this account and all I got back from them is " We have already investigated this information, and the source, creditor or public record has verified that it is correct. If you still have a question about it, you may want to contact the source, or if you have additional relevant information, click here. '' With no option to have this error corrected.  <P/> This account was included in my Bankruptcy and discharged along with other accounts that show a s " Status : Discharged thro ugh Bankruptcy  Chapter   XXXX . '' But fo r SOME reason this one car d shows as " Account  Charged  Off '' even though they were all part of the SAME Bankruptcy.  <P/> Experian is making it even harder by telling me there is nothing they can do as the company says the status is accurate even though you can tell just by LOOKING at it that it 's wrong. And today it cost me.  <P/> My next step is to file a FCRA complaint as there is no way that this account is " Charged Off '' there is no validation for that and of course..Experian does n't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to file and investigate the dispute. I was advised my information not matching the application that was filed.
Product: Checking or savings account

I am an American Citizen residing in The XXXX XXXX. My Father, XXXX XXXX XXXX had an account with BancorpSouth Bank XXXX XXXX XXXX XXXX, XXXX XXXX Texas. My father passed away on XXXX XXXX XXXXPrior to my Father 's passing, my XXXX XXXX XXXX had power of attorney for his finances. 

My brother has my fathers will. I have had to pay a lawyer {$3000.00} just to make my brother take the will to the courthouse. 

On XXXX XX/XX/2019, my brother has distributed my Father 's bank account as per the will. 
I do not know if this has been distributed correctly as my brother will not show me what was in the bank account at the start. 

I do not know how he has managed to distribute and take some of my Fathers money from his bank account and close it when he has not been appointed as the executor. ( no-one is the executor as of yet by law ) My brother only had power of attorney whilst my Father was alive. 

I called the bank and they will not tell me anything as my name is not on the account. 
My brother 's name is also not on the account, he just had power of attorney up until his death. 

I was coming to America prior to the Corona virus outbreak. Now I am stuck in the XXXX XXXX not able to do anything.
Product: Credit card or prepaid card

1. My old card expired, so HSBC sent a new card to my home ( U.S ), but it was stolen and used by criminal suspect from XX/XX/XXXX. when all transaction happened, I was physical located in XXXX, XXXX ( passport record can prove ) 2. In XX/XX/XXXX, I received a call from HSBC to remind overdue payment, then I found the credit card was on fraud. ( No text messages and phone call from HSBC to remind the abnormal transactions ) 3 I reported to HSBC about the fraud in XX/XX/XXXX and filed a policy report on XX/XX/XXXX in US 4. From XX/XX/XXXX till XXXXXX/XX/XXXX, I keep contacting HSBC fraud department and look for a solution ( made over 15 times phone call ), HSBC partially dispute the transaction, but still denied over {$6000.00} transaction. 

Complains : Here is the complains for my case : 1. Fraud department didn't make any progress from XX/XX/XXXX to XX/XX/XXXX.

2. In XX/XX/XXXX, Fraud department supervisorXXXX XXXX ( not sure the name is correct ) told me HSBC partially disputed the transaction, and suggested me call XXXX XXXX XXXX, I called more than 10 time of the number, but no response. so I have to call fraud department, but fraud department asked me call ( XXXX XXXX ), so I was a ball been kicked one side to the other. 
3. Fraud department told me different reasons of deny the fraud dispute requirement each times when I called 4. I required to talk to fraud department supervisor from XXXX ( >5 times ), only one time received call back, but no progress. 
5. it passed 6 months that investigator still can't get policy report, obviously, no one is working on my case. 

I attached " policy report card '' and and " I94 - Custom entry/exit record- which can prove I am physically in XXXX , not in US when the fraud happened ''
Product: Debt collection

I've been receiving calls from Franklin Collections company for the last week - they are also showing up on my current credit report as having a negative impact due to my debt. When I tried calling them, I was forwarded to an automated service that told me I had a debt owed to XXXX XXXX XXXX for {$240.00} I thought this was odd since I haven't had internet through XXXX XXXX XXXX since 2019. I contacted XXXX XXXX XXXX via online chat and they told me I was being scammed and that I dont owe them anything. I took screenshots of the exchange with XXXX XXXX XXXX just in case. I would like to get this corrected as soon as possible though, and make sure the debt is no longer on my credit report
Product: Debt collection

This company has sent me numerous amount of harassing emails monthly. Ive never received any notices in the email regarding this alleged fraudulent debt. I just keep getting annoying emails from this company asking me for money. Section 1006.6 ( b ) ( 1 ) ( i ) prohibits a debt collector from communicating or attempting to communicate, including through electronic communication media and in violation of 15 U.S. Code 1692c - Communication in connection with debt collection.
Product: Debt collection

these items on my credit are not credit report i tried to send information concerning this but nothing has happened. There are 5 medical bills that is not mine 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
Accounts XXXX XXXX XXXX, Account # XXXX Amount {$800.00}
Product: Credit reporting or other personal consumer reports

I was overlooking my credit report on XX/XX/year> and noticed several inquiries that should not be on my report as the were supposed to be pre-screened soft-pull offers with no affect to my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company called me about an account with XXXX XXXX XXXX. I called them back on XX/XX/XXXX and told them I had written communication from XXXX XXXX XXXX that stated they were not sending my account to a collection agency, I was working directly with XXXX XXXX XXXX on this account, and that I was disputing this debt. They never asked for proof. They never started an investigation into my dispute. They reported my account to the credit reporting agencies without listing it in dispute which is a violation of FCRA 623 ( a ) ( 3 ). 
When I called them on XX/XX/2020, they stated they never started the dispute process or any investigation. Violation of Furnisher Rule 660.4 ( a ) and 660.4 ( e ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00} ; 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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my EXPERIAN, XXXX and XXXX credit report and found the following account listed as late payments on my credit report : ACCOUNT NAME : XXXX XXXX  Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with sectio

n 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with
the written instructions of the consumer to whom it relates. 

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS TRANSACTION AS A LATE ACCOUNT. 

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is EXCLUDED FROM FURNISHING AND REPORTING. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH.

*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY. DO NOT DELETE THE ACCOUNTS. 

XX/XX/year> ACCOUNT IS ( XXXX  ) XX/XX/year> ACCOUNT IS ( XXXX ) DAYS LATE XX/XX/year> ACCOUNT IS ( XXXX  ) Please provide me with bank statements or any transactional documentations that lead you to report this account ( 30 ) days late when I never been late paying any company. This is interfering and preventing me from buying a home amongst other things in my life. Your reinvestigation has showed no proof. 

Failure to respond satisfactorily with deletion of late payments referenced of account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance 5. 616 Civil Liability for willful noncompliance 15 USC 16811n 6.Negligent Enablement of Identity Fraud
Product: Checking or savings account

Dear Sirs ; I requested a funds transfer from the investment firm Fidelity XX/XX/2023 in the amount of {$650.00}. I had several auto draft payments which tried to clear around XXXX XXXX  on the XXXX. PNC gives you 24 hours to get money transferred before they charge you an overdraft fee. At about XXXX XX/XX/2023 the transfer of funds had not posted to the checking account. I checked again at XXXX XXXX the transfer from fidelity had still not posted to the account. At XXXX the transfer of funds finally posted to the checking account. Along with the posting of the transfer came TWO overdraft fees of {$36.00} dollars each. I called the local branch first and was told they would put the information in the computer and see what it said. I was told by the representative at the branch the computer denied the reversal of any of the fees and I asked if even one of them could be removed and was told NO. 

I also called the Executive Client Relations line and spoke with XXXX and got the same answer I will see what the computer says. She said the computer said NO. 

I had this problem before in XX/XX/2023 and was told they would not charge me any overdraft fees as long as it was not a debit card use or a check tried to clear and not charge any overdraft fees, because I had no control over any ACH drafts which were trying to clear. 

I was told today they never heard of such. I am a Senior Citizen and have a hard time as it is. In XX/XX/2023 they were charging me overdraft fees because there system always delayed the posting or giving me credit for the SS check being there but taking over 24 hours to post and showing a credit for the amount SS sent to the bank. PNC still does this they will show the SS check posted but funds are not immediately available for 24 hours. The bank reps have told me they do that because the check may not be good??? They do any transfers from Fidelity the same way. PNC just refuses to take off the {$72.00} charged. 

I appreciate your assistance in this matter. 

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

These accounts do not belong to me. XXXX XXXX, XXXX XXXX, XXXX  XXXX/XXXX, XXXX  XXXX, US Small Business, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....