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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX NUMBER XXXX XXXX XXXX XXXX XXXX, NUMBER Account : XXXX XXXX XXXX  : NUMBER Account : XXXXXXXX XXXX XXXX XXXX NUMBER Account : XXXXXXXX XXXX XXXX XXXX NUMBER Account : XXXX
Product: Debt collection

On XXXX XXXX, XXXX, I request debt validation of the following XXXX debts placed for collections at RENTON COLLECTIONS, INC. 

XXXX. Original creditor XXXX XXXX XXXX {$900.00} XXXX. Original creditor XXXX XXXX XXXX, XXXX Balance {$260.00} On XXXX XXXX, XXXX, I mailed a second request for debt validation regarding the above referenced accounts. 
I did not receive any information regarding these debts, and the collection agency has failed to validate the debts. 

XXXX LAST NAME HAS CHANGED FROM XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor XXXX reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no results..
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality underXX/XX/XXXX 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX According to XX/XX/XXXXthe credit bureaus have to modify or delete accounts that are not reporting accurately According toXX/XX/XXXX the credit bureaus don't have no written premission According to XXXX XXXX XXXX I have the right to privacy According to XXXX XXXX XXXX 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. 

XX/XX/XXXXReporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if XX/XX/XXXX the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; andXX/XX/XXXXthe information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit card or prepaid card

My complaint is against American Express with my XXXX rewards credit card. I verified with an agent that I had made enough purchases to qualify for an additional XXXX points and an elite status. When I did not receive the points I called on XX/XX/XXXX and was promised by the supervisor XXXX from XXXX for this to be updated and my points and status to be changed due to inaccurate information given to me by the agent. I made {$50000.00} in purchases but the agent failed to tell me that I needed to make an additional {$23.00} dollars in purchases as they deduct the credit card fee. I spoke to XXXX in Florida and he promised to adjust this. Nothing has happened.
Product: Mortgage

Our house burned down on XXXX XXXX. Our insurance, XXXX  XXXX, sent a payment to Freedom Mortgage in XXXX. They entered into their system on XXXX XXXX. They did not apply it to the or loan. It is just sitting there. They are saying we are behind and are adding up late fees. They were sent a letter saying we want the house paid off and they continue to say we are behind and when you call them, they send you to XXXX different people and none of them have any answers, so they cut you off. Our insurance agent tried to help us, and they did the same thing to him. Meanwhile it is being reported to credit bureaus that we are behind. We have never, ever been behind with them. We live on SS, so all our bills have to get paid as soon as our check comes in because we only get one check a month. Every bill we have gets paid at once. We need someone to make them apply the money and take the late fees off.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX  XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

I am formally writing this complaint because today after reviewing my EXPERIAN INFORMATION SOLUTIONS consumer disclosure reports, I noticed the inaccurate accounts I filed an initial complaint about came out of dispute on XX/XX/2024. I have reason to believe that EXPERIAN has disputed these accounts upon receiving the initial complaint from the CFPB. I demanded in my most recent complaint with the CFPB regarding EXPERIAN INFORMATION SOLUTION 'S errors and the previous notice of dispute letters I mailed to EXPERIAN demanding that they remove the accounts for failure to correct inaccurate account information. EXPERIAN INFORMATION SOLUTIONS did not comply. They have violated the FCRA 1681i ( 5 ) ( a ) ( 1 ) ( 2 ) because they did not remove the accounts only to not remove but to verify as accurate the same accounts that were I demanded to be removed. EXPERIAN has verified and updated an account with XXXX XXXX XXXX that is still inaccurate. They have updated an account with XXXX which is now an incomplete account, and EXPERIAN still did not remove the inaccurate account from XXXX XXXX XXXX that is still being reported inaccurately. I want these accounts removed. The accounts in question are all still being reported inaccurately. EXPERIAN is practicing unfair credit reporting.
Product: Checking or savings account

This letter serves as a formal notice from XXXX XXXX to BANNER BANK to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 
Case law has affirmed my right to request the cessation of debt collection communications. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 
XXXX ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.
Product: Debt collection

I have been contacted repeatedly by M & T bank about an amount I owe to them from an account that was never opened by me. My account with them was closed in 2020. They have reported this debt to collections, lowering my credit score!
Product: Debt collection

Well they never attempted to validate the debt or send me anything stating they took the debt over now a sheriff showed up and slapped me with a complaint summons to the debt
Product: Payday loan

Cash Call presented radio advertisements on predominately XXXXowned or XXXXlistening audience. The advertisement stated that the loan company was owned by an XXXX and operated quite differently than payday loan companies. I called to apply for $ XXXX and was told I only qualified for {$2500.00}. I was also told that if I did n't accept this loan, it would show up on my credit report as " declined. '' They played on the emotions of a person in need of assistance. The interest rate is nearly 300 % which was not disclosed prior to accepting the loan. 

While I was the XXXX one in this situation, these type of companies should be regulated and/or shut down and stop preying on minorities.
Product: Checking or savings account

On XX/XX/year> someone got my debit card information and made a transaction of {$1800.00} for XXXX Purchase XXXX In California. I called immediately to USAA and notified them of the unauthorized transaction. I practically begged them to cancel the money withdrawal and they said they needed it to go through in order for them to investigate. I called multiple times to ensure that the dispute was in the system and ensured that they would take care of it. The money got taken out and they refunded me the {$1800.00} along with the other withdrawal of {$130.00} which was Event XXXX. Fast forward to three days ago I received a notification saying that USAA was taking the {$1800.00} back out because they talked to XXXX and they said I was the one that authorized the transaction. I was baffled, because when you steal someone's information, you literally steal it to seem convincing. I called them and asked them to look at my account and note that there have not been any charges within the State of California at any time. I have never purchased any concert tickets in my life nor do I feel the need to waste close to {$2000.00}. They are still saying the charge isn't fraudulent and I am still out of the {$1800.00}. I still don't understand how they can not look at the call logs and see I was trying desperately to cancel the transaction and called numerous times to get it cancelled only to be told they had to let the charge go through and they still don't protect my money. What is interesting is my zip code on my Driver 's License does not match the zip code USAA has for my mailing address which would be needed for claiming physical tickets.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX XXXX : {$910.00} XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$1100.00} XXXX XXXXXXXX Account number : XXXX Balance : {$1800.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$3100.00} XXXX Account number : XXXX Balance : {$490.00} XXXX XXXX  Account number : XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Balance : {$1800.00} XXXX Account number : XXXX Balance : {$1800.00}
Product: Money transfer, virtual currency, or money service

The purpose of this complaint is to warn consumers against using the services of Xoom to execute international money transfers. Unlike other more established money transfer agencies, Xoom outsources the execution of international money transfers to third party entities located outside of the USA and that are on diametrically opposed time zone. The issue resolution process is onerous. My experience is not unique. I wish I read customer reviews about Xoom 's international money transfer capabilities. Please find below the details of my painful experience dealing with Xoom. 

On XX/XX/2019, I used the services of Xoom to initiate an international money transfer in the amount of more than {$1000.00} to a recipient 's bank account based in XXXX XXXX. The Xoom tracking number for the transaction at issue is : XXXX. The money was supposed to be deposited in the bank account of the recipient no later than XX/XX/2019. However the funds were never deposited in the recipient 's bank account. 

On XX/XX/2019, I contacted the customer service department of Xoom to inform them that the funds were never deposited in the intended recipient 's bank account. They counter claimed that the transfer was successfully completed. They went on to request that I provide the bank statement of the intended recipient but I declined to do so for security and privacy reasons. I instead requested that Xoom provide a proof of deposit showing all references relevant to the presumed execution of the transfer. This is when Xoom indicated that they would request the proof of deposit from a XXXX XXXX based third party entity which executed the money transfer on Xoom 's behalf. The customer service agent indicated their service level agreement with the third party entity requires the latter to produce the proof of deposit within 1 business day. 

I followed up with Xoom on XX/XX/XXXX then on XX/XX/XXXX to inquire on the status of the deposit confirmation. Xoom was unable to supply any deposit confirmation and suggested that I check back at a later time. I indicated to them that I was in no position to wait any longer and requested to speak to a supervisor. After multiple back and forth, the supervisor returned to the phone line to let me know that the money transfer was not successful because the bank details I provided were allegedly erroneous. Xoom has failed to supply any documentation ascertaining that an attempt to transfer to funds did occur and was rejected. Xoom has initiated the refund process.
Product: Credit reporting or other personal consumer reports

This will be my 6th dispute letter sent to XXXX and Experian. 

As a reputable credit reporting agency, I expect that these companies would always provide accurate and reliable information to financial institutions and other organizations that rely on their services. Unfortunately, my experience with these companies has fallen far short of this expectation. 

As mentioned in my previous letters, Trade : XXXX XXXX XXXX with an Account Number XXXX, has long been deleted in XXXX on XX/XX/2023. ( see attached file for XXXX previous feedback ) In addition, I would like to bring to EXPERIAN 's attention the inaccuracies in my credit report regarding my Date of Birth and Previous Address. Despite providing my drivers license for verification, it seems the information has not been appropriately updated. 

These inaccuracies in reporting this account are concerning, and because of these unfair practices and mishaps, I demand that the above-mentioned account be promptly deleted from my credit history due to these errors and oversights.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - I begin XXXX transfers ( {$100.00} & {$2500.00} ) from my Wells Fargo savings account to my new XXXX XXXX savings account. 
XX/XX/XXXX - I close all Wells Fargo accounts. 
XX/XX/XXXX - XXXX XXXX reverses the funds because they can not accept the transfers from a closed account. 

I can still see transaction history in my Wells Fargo savings account because it is within XXXX of account closure. The history of the transaction was present at one point but it is no longer there, a representative on the phone stated, " the transaction could have fell off because it wasn't completed ''. Wells Fargo states they can not issue a refund/cashier 's check because they can't see the money. This is also why they can't find an ACH/trace ID number. 

On XXXX XXXX 's transaction history it shows my account receiving the transfer from said Wells Fargo account and reversing it as well.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX XXXX store credit card phone XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Used store credit card end of XXXX or early XXXX. Paid the bill of {$22.00} on XXXX XXXX with money order company, money order was cashed.Received bill for {$50.00} in late fees in end of XXXX XXXX even though the bill was paid on time and money order was cashed.Paid the late fees on XX/XX/XXXX to stop it from affecting my credit while I tried to resolve this.Today ( XX/XX/XXXX ) received another bill from XXXX XXXX saying bill was not paid-this after paying the original {$22.00} on time and {$50.00} in late fees so I can resolve this.I paid this bill on time-they continue to pile on late fees many times the cost of the original bill even though bill was paid on time.I am starting to believe they are doing this because I am a XXXX citizen and they believe they can get away with it.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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/year>
Product: Money transfer, virtual currency, or money service

Dear officer, This is XXXX, my family is a victim of wire transfer fraud on Monday XX/XX/XXXX ( {$120000.00} ). The fraud wire transfer was on Monday morning XX/XX/XXXX around XXXX. We discovered the fraud on Wednesday XXXX around XXXX XX/XX/XXXX. The name and the account number do not match in the wire transfer. However, Bank of America ( which holds the fraud account ) still released the fund to fraud account on the same day of the wire. Bank of America didn't hold the funds before they got more information about the transfer. Even though the fraud account is a newly opened account, Bank of America still released such big amount of money to the fraud account. Please help us!! 

Fraud Recipient name : XXXX XXXX XXXX XXXX Fraud Recipient Bank XXXX Bank of America Fraud Recipient Account Number : XXXX My name : XXXX Sender 's bank : XXXX XXXX , New York Account number : XXXX
Product: Checking or savings account

On XX/XX/XXXX Peoples Bank became M & T bank and without my permission or knowledge they withdrew all the money in my account {$5400.00} and closed my checking account. 
I filed a claim and it was denied. Banker said it was a debt owed to them by my ex Husband. I have not seen my ex since XXXX and know nothing of his debt and I am not responsible for it. MT needs to contact him. 
That was my money and my paychecks that I deposited, which I needed to feed my children and pay my mortgage. I am a single mom with XXXX kids, working every day to support her kids by herself with no child support. MT bank has no right to steal my money and needs to return it immediately! 
MT bank stole my paychecks, Stole my money. they are thieves. I worked for that money to raise my children. they stole the food from my childrens mouths. 
I want my money returned. They had no right to steal it. 
This caused a reaction of returned payments on credit cards. I was charged fees and had accounts closed. Including my loved XXXX XXXX  which offered 5 % discount on all purchases. I used this account to buy all our groceries and home and personal needs. 
I am asking for my money back XXXX plus {$3000.00} for fees and hardship caused by MT banks actions. 
BANKS SHOULD NOT BE ALLOWED TO STEAL MONEY FROM SINGLE MOMS AND DESTROY LIVES!!! 
DID THE BANKER AND HIS KIDS GET TO EAT? DID THE BANKER PAY HIS HOME? 
Please help me and my children get back on our feet and return what is rightfully ours. 
Banks should not be bailed out! Humans first! 
I thank you in advance for your help XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX XXXX {$330.00}, XXXX 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. 
Chapters View
Product: Checking or savings account

2 months ago I had my card stolen ( Multiple ) I reported them stolen as soon as i found out ( Within XXXX hours ) and they spent XXXX on my debit card. They want to deny my funds being returned to my account. I had my other credit card stolen along with my iphone. I have provided documentation of the other items being stolen in my possession and they did not review them. I have provided endless evidence and still my bank does not want to help me reclaim my hard earned money.
Product: Credit card or prepaid card

This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.