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

Subject : Request for Removal of Outdated Address from My Credit Report Dear XXXX, XXXX, transunion I am writing to formally request the removal of an outdated address from my credit report. The address in question, [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ], that address is associate with a family member i never lived there, as I have since updated my residence with the creditor they stated it is not on file my correct address is [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ]. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of information are required to provide accurate and up-to-date information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ). Continuing to report outdated or incorrect personal information, such as an old address, constitutes a violation of this obligation.

To assist in verifying my identity and to help you update your records, I have included the following documents : 1. A copy of my government-issued ID showing my current address.

2. A recent utility bill or other official document as proof of my current residence.

I kindly request that you : 1. Immediately cease reporting the outdated address to the credit reporting agencies.

2. Update my personal information in your records and provide confirmation of the changes made.

Failure to comply with the FCRA can result in liability for damages, as well as statutory penalties. Please consider this letter as formal notice to address this matter promptly.

I request confirmation in writing that the outdated address has been removed from your records and that this information has been updated with all relevant credit reporting agencies. 

Thank you for your prompt attention to this matter. If you require additional information or documentation. 

Sincerely, [ XXXX ]
Product: Credit card

I applied for American Express XXXX XXXX XXXX card ( account number : XXXX XXXX XXXX ) back in XXXX XXXX, when it had a promotional offer of XXXX Membership Rewards points after spending {$3000.00} in 3 months. I called before application to make sure I was eligible for the offer ( which was confirmed by Amex phone representative ). Also, I called after approval to double check the terms and again was told I 'm eligible. After I spent {$3000.00} I saw XXXX points pending, but after a while they disappeared. After another 2 calls to Amex in XXXX XXXX and XXXX XXXX, I was told that it takes 6-8 weeks for points to post, but they are coming. 

I just got off the phone with Amex representative ( XXXX XXXX, XXXX ) and I was informed that my account is ineligible for the sign up offer because I had a similar product back in XXXX and now all personal Amex credit cards have once in a lifetime signup bonuses. 

This was the first time I was informed I was n't eligible. I repeat before I applied for the card and while I was satisfying spending requirements I was told multiple times I am eligible for the sign up bonus. I feel Amex was intentionally deceptive and outright misleading in making me spend the required amount ( {$3000.00} ), paying annual fee ( {$470.00} ) upfront, and only then pulling the rug from under me. 

I request Amex credits my account with XXXX points are per sign up offer. There were multiple opportunities to notify me that I 'm ineligible for the sign up offer when I was inquiring about it a ) before I sign up b ) at least 3 calls after I signed up. 

I conservatively value XXXX Amex XXXX point at XXXX cents, so XXXX XXXX points is {$1500.00}. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Okay so on XX/XX/XXXX I got a direct deposit from the company called XXXX onto my checkings account for {$190.00}. So I proceeded to hop onto my Venmo checking account to transfer the funds from my Venmo account onto my XXXX checking account. So then I initiated the transfer not realizing which bank source I was depositing my money into since I had previously transferred my biweekly check from my authorized employer in a few days before I got payed by savegadget.com. So I just entered the amount of money I wanted to transfer but then I got an error message saying that I should check which account I am transferring my money to because my account was flagged at that moment and Venmo had put a freeze hold on my account. So then I called up Venmo and check why my funds werent being deposited and they said that the money transfers I had initiated triggered a red flag onto my account so they needed time to address this situation. So I provided them with a copy of my ID and they said that they would contact me back within 14 days once the lift is checked on and released. Its been over one week since this occurred. Im not sure why they would have frozen my account if all I was trying to do was add money to my XXXX debit card. So I called back yesterday on XX/XX/XXXX but I still have not recieved any update on my account and all I need is to be allowed to transfer my money to bank source. Also someone had deleted my bank source from XXXX from my Venmo account although a few weeks back I had just added it to my Venmo account and made bank transfers onto my XXXX account. From my understanding they told me that there was an unauthorized checking account on my account but I had not even added any other bank source to my Venmo checkings account since I added my sables checking account onto it so I would like for you guys to help me to get this freeze thats been put onto Venmo checkings account unlocked because this is outrages. The first time some fraud happened to me was last year with my EDD Unemployment Debit card got hacked and now also my Venmo account why is this happening to me now again? I have already placed a freeze on all credit consumer reports so that way hopefully whomever is trying to make any fraudulent moves on my accounts wont have access to any further possible unlawful acts on my personal identity. Also my employer deposits come from XXXX XXXX XXXX, XXXX, and XXXX XXXX.
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 Nc XXXX Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account number : Account balance : XXXX Account name : XXXX BANK XXXX 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 reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX informed me of 2 collections placed on my credit report. I logged in and saw American Profit Recovery placed 2 collections for a total of {$1000.00}. I have never heard from them. 

I XXXX  their company and called. I was told is was for XXXX, another company I had never heard of. The representative told me I'd have to give my credit card # and pay {$190.00} for him to look into it. I refused. I asked him to send me information via mail RE : the collection and he said he couldn't due anything until I paid the {$190.00}. I feel this is a scam. 

I have no knowledge of either company. These reports dropped my XXXX credit score to XXXX. I want these removed from my credit report. 

I have no documents to attach as I never received anything and I didn't create this debt.
Product: Credit card or prepaid card

I received an unsolicited credit card that I never applied for from the company called NetSpend. 

I do not know how they got my name or information. I did apply for financial assistance to pay for hospital stay and applied for XXXX though Ohio health and hope neither of these organizations would be sharing personal information.
Product: Checking or savings account

Capital one bank closed my account today XX/XX/23. I would like to know why. All my funds are in this account and I need money I cant eat or pay bills. I tried calling them they cant give me any information.
Product: Debt collection

I called IC SYSTEMS after discovering my credit had been affected by a recent collection. I spoke to a representative that told me that if I had no knowledge of the account I should file a fraud report with the company of XXXXXXXX XXXX XXXX which is who she told me they were collecting on behalf of. I explained to her that this always fraudulent on behalf of there company IC Systems because I never got into a contract with them nor have I signed or received anything stating that I was, and in pursuant of 15 USC 1681, I would like this false information removed from my report. I have disputed this matter 3 time via XXXX and each time they have not removed it stating that it meets the FCRA requirements. I have also informed them via the dispute that because FDCPA 15 USC 1692 they ( IC Systems ) should not have my information nor should they be reported on my report. I have not seen any change only that FCRA requirments are meet however this is all illegal and affecting my consumer report. Also they are reporting that I am late in collecting yet again I DO NOT HAVE any contract with the company.
Product: Debt collection

On XX/XX/XXXX I received a notification from XXXX XXXX that my scores got down due to a collection agency reporting a debt. Right away I opened the site and showed ONLINE INFORMACION SERVICES, named as ONLINE COLLECTIONS who flagged my account for a debt of {$93.00} and another for {$270.00}. I opened the XXXX credit Bureau XXXX XXXX and XXXX and showed in all of them with a drop of XXXX point of my score. I had no idea what was this, so I opened a dispute to XXXX XXXX XXXX  as an Unfair debt. Right away I called this company as their information was showed in the report. I spoke with a representative named XXXX, she told me they were representing XXXX XXXX XXXX with a " legit '' debt, I explained to them that I have NO DEBT with them or any XXXX XXXX, since the last time I received services was in XXXX XXXX XXXX XXXX and my debt was totally with {$0.00} balance. The person asked me to send them a verification of that, which I agreed to do. Right away I called to DIAGNOSE IMAGING SERVICES and spoke with XXXX XXXX from billing department, they told me that I owed a service offered by their radiologist in the Hospital on XX/XX/XXXX and XXXX, XXXX. I explained to them that I had a letter and the information of the Hospital showing my entire balance in {$0.00} after I received Financial Assistance. XXXX XXXX told me then to send them those documents, which I agreed to do. Right away I called also to XXXX XXXX XXXX XXXX, and spoke with the billing Department representative XXXX, who verified for me that I had NO DEBT at the present moment, and she mentioned having no idea why this went to collection. I asked her to send me the prove that my account was with {$0.00} balance, and she did it right away by send me the bill through my email. Using that information, I wrote a letter to XXXX XXXX XXXX ONLINE INFORMATION SERVICES, XXXX XXXX XXXX, with copy of the documents and all that I have explained here. Still as yesterday Mat XXXX I saw ONLINE COLLECTION flagging me again through XXXX and my credit was XXXX. I got so frustrated because I am trying to get a second job and this unfair report is showing wrong information. Today XX/XX/XXXX I called again to ONLINE INFORMATION SERVICES and spoke with XXXX, and I explained to her again about all I mentioned here. I am not sure if they have not received my documents yet. I went online to look for who is this collection company and what is the veracity of their action, and for my surprised I saw they have already complaints reported here in CFPB. If you need me to send you all the documents to prove that at this present moment I have my balance in {$0.00}, please let me know. As well, as I am asking for help to clean again my credit and allow me to continue building my credit as I have been done even during the difficult time we all went through during pandemic. THANKS for helping us as consumers with this unfair situations. Blessings.
Product: Mortgage

In XX/XX/XXXX my brother 's home at XXXX XXXX XXXX XXXX XXXX, Florida suffered {$13000.00} damage during a storm which his insurance company paid by check, which he sent to his mortgage company, State Bridge Mortgage for their endorsement.

On XX/XX/XXXX my brother XXXX   XXXX  suddenly died and I was named the personal representative of his estate in XXXX. Sense that time I have been trying to recover those funds, first to make the needed repairs so that the house could be sold but State Bridge made it so difficult to access the money that I ended up selling the place " AS IS '' to an investor on XX/XX/XXXX.

The problem now is State Bridge has not returned the money even though the mortgage has been satisfied and each time I've contacted them I'm given a different reason by a different person for the funds not being returned. I've attached documents to support my request for help in resolving this matter.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, and I dont know why they are there. I checked everything carefully, refreshed my browser, but the issue persists. Im incredibly frustrated and need the documents I sent to be checked thoroughly so I can put this behind me.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report concerning 15 USC 16c-2. The inquiries listed were not approved by me and are negatively impacting my credit. Please remove all unauthorized hard inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Debt collection

I am writing to formally dispute the unauthorized access and use of my personal information as it relates to my consumer credit report and financial data. Upon reviewing my records, I have identified instances where my personal and financial data were accessed or used for account XXXX without my consent, in violation of the following federal statutes : 1. 15 USC 6802 Privacy of Consumer Financial Information : Under this provision of the Gramm-Leach-Bliley Act, financial institutions are prohibited from disclosing personal financial information without explicit consent from the consumer. I assert that my personal financial information has been accessed or shared without my consent, which violates the provisions outlined in 15 USC 6802. I request immediate clarification and resolution regarding how my data was accessed and why this occurred.

2. 15 USC 1681b Permissible Purpose for Obtaining Consumer Report : Under the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for permissible purposes as defined under 15 USC 1681b. I do not believe the party requesting access to my credit report had a valid, permissible purpose to do so. I request that you provide a full explanation and documentation of the legitimate purpose for any inquiries made into my credit report, as well as any actions taken based on that information.

3. 18 USC 1028A Identity Theft : The unauthorized use of my personal information may also constitute identity theft under 18 USC 1028A. If my identity has been stolen, I demand an immediate investigation into this matter, and all necessary actions to rectify any fraudulent activities associated with my name and personal data. I request that you provide me with detailed information on any suspected fraudulent activities that have occurred.

As a consumer, I have the right to protect my personal and financial information from misuse and unauthorized access. Please investigate these concerns immediately and provide me with a resolution. If my information has been accessed or used inappropriately, I demand that corrective actions be taken and any negative impacts on my credit report be corrected immediately.
Product: Checking or savings account

On XX/XX/2021, I made a transfer of {$250.00} from my savings account which is linked to my checking account, and set with direct deposit from my job. TD Bank illegally charged me a fee of the amount of {$35.00} because I did not have the funds, without taking into consideration that my accounts are linked. 

In addition, they should take into consideration that we are in a state of emergency due to the pandemic and my hours from work have been cut as well. 

Please, I want my money back.
Product: Credit reporting or other personal consumer reports

There has been an identity theft on my Transunion credit report as someone tried to apply for a credit card with the name XXXX XXXX on XX/XX/year> without my consent or knowledge
Product: Payday loan, title loan, or personal loan

I had put in a loan with request with speedy cash. Later that day I got a call from a gentle man claiming to be from speedy cash telling me my loan had be approved but that he needed my account number routing number and online backing username and password. I have gotten a loan before so him asking for my routing number and account number didnt set off any red flags. But then he asked for my online banking in my sign on n password. That got me thinking but then he proceeds to tell me that they are going to send us XXXX $ and once the money arrives in my account that I am not to spend it but to go to my nearest convenience store like XXXX and purchase cards with that money and send it back to him. Once I get that done I will be sent my full asking amount of the loan. That is when I got really suspicious and red flags started to go off all over. As I continued to speak to him my wife called speedy cash and asked them what there loan approval process was and explained I was on the phone at that moment with a gentleman claiming to be a speedy cash approval officer. She said we dont ever ask u to go buy cards and sent it back we must deposit it into ur account that's a scam report him. But I was too late because he already had gotten all my bank information. I then called my bank n closed that account changed all my banking online information and then went straight to my bank to talk to the bank manager. Fortunately my wife caught the red flags faster then I did and immediately told me to hang up change me password to online and call my bank to freeze my account I was lucky. He called from a Kentucky area code with a XXXX XXXX accent said his name was XXXX called me from the number XXXX XXXX XXXX. While i was at my bank closing my account he called me 3 more times. Probably because he was in the process of trying to ruin my account but I had already frozen the acct change all online banking info and didnt answer his first call
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open rnd consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Beginning XX/XX/XXXX, I am been writing XXXX, XXXX, and Equifax to dispute inaccurate information on my credit report and asked them to validate the accounts. I have also asked them to investigate the accuracy of several specific items by providing proof of the debts that I owe. XXXX  responded only with " everything was verified and accurate ''. 

As of today, XX/XX/XXXX I have sent them multiple letters and they have only replied with a " verified '' and no additional information or a description as to how the accounts were verified or included the response from the debt collectors
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX, XXXX. for engaging in practices that I believe constitute serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I also request that, as part of the resolution, damages be awarded for the harassment and distress I have experienced due to these violations. Below are the details of my complaint. I previously owed a debt to Synchrony Bank. This debt has been canceled, as evidenced by the Form 1099-C filed with the Internal Revenue Service XXXX On XX/XX/XXXX, I was contacted by XXXXXXXX XXXX XXXX, XXXX. They represented themselves as a debt collector attempting to collect the canceled debt and further indicated that they were acting in the capacity of an attorney on behalf of Synchrony Bank. They initiated legal action under case number XXXX. I contend that this communication constitutes a violation of the FDCPA for the following reasons : Misrepresentation of Attorney Status : Under 15 U.S.C. 1692e ( 3 ), a debt collector is prohibited from falsely representing or implying that they are an attorney if they are not. By presenting themselves as legal counsel and pursuing legal action on a canceled debt, XXXX XXXX XXXX, XXXX. has misrepresented its authority. Threats of Unauthorized Legal Action : The FDCPA, under 15 U.S.C. 1692e ( 5 ), prohibits a debt collector from threatening legal action that they do not intend or are not legally entitled to take. Initiating legal proceedings for a debt that has been canceled is a clear violation of this provision. Harassment and Emotional Distress : The actions of XXXX & XXXX, XXXX. have not only been deceptive but have also caused significant harassment, emotional distress, and other harms. These actions warrant the awarding of damages for the distress and inconvenience experienced. The conduct of XXXX & XXXX, XXXX. appears to violate key provisions of the FDCPA : 15 U.S.C. 1692e ( 3 ) : Prohibits the false representation of ones status or affiliation, including falsely claiming to be an attorney.

15 U.S.C. 1692e ( 5 ) : Prohibits the use of misleading statements about the initiation of legal action. In XXXX XXXX XXXX, 514 U.S. 291 ( 1995 ), the Supreme Court affirmed that the FDCPA is a valid exercise of Congresss power to regulate interstate commerce, confirming that its protections extend fully to actions taken by debt XXXX, including those acting as attorneys. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) further supports the principle that consumers may recover statutory and actual damages when relying on misleading representations made by debt collectors or their representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many hard inquiries that I have not submitted for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-mailed and a dispute is never opened up and no results. 
XXXX Open Date XXXX