23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is regarding account You claim I owe {$990.00}. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including  XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for an extension of credit through XXXX and was denied for many reasons, most I do not agree with but XXXX of the biggest issues I see is that XXXX was used to make adverse actions against me. I've never done business with XXXX and thusly never consented for them to to share my information, let alone have my information. I am confused how they acquired my information. How can a company have and share my personal, private information without me ever speaking with them?
Product: Debt collection

XXXX XXXX XXXX divided bill to companies with identical names & same unique blue/yellow bills " XXXX XXXX '' and " XXXX XXXX. '' I paid XXXX off. Did n't ' realize XXXX entities. Once realized, offered to, and started paying monthly XXXX. ( Payments via money order not attached. ) XXXX submitted to credit bureau XXXX/XXXX/15 claiming " no payments. '' Disputed. XXXX responded with misleading info regarding my intake, refused discussion, and refused to remove. Continued dispute. XXXX removed. XXXX did not. I continued monthly payments. Accepted. Now, XXXX sent to new collections agency, that reported on XXXX and XXXX. I did nothing wrong. Costing me higher premiums, interest loan rates, etc. Not fair.
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ChexSystems Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Removal of Personal Information under XXXX XXXX Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : 1. XXXX*Phone Numbers** : ( XXXX ) XXXX, ( XXXX ) XXXX & ANY OTHER PHONE NUMBER LISTED ( REMOVE FROM REPORT ) 2. **Addresses : ** : XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ( REMOVE FROM REPORT ) THE ONLY NUMBER THAT SHOULD BE REPORTING IS ( XXXX ) XXXX ( KEEP ON REPORT ) THE ONLY ADDRESSES THAT SHOULD BE ON MY REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ( KEEP ON REPORT ) ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE. 

As per XXXX XXXX guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXXXXXX  -Expires : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't had a checking account with XXXX since I was XXXX XXXX XXXX XXXX ( XXXX ). Their was some problems with an account where it was closed down due to overdraft from a dispute. I paid then off within the next couple months XX/XX/XXXX. The account was settled, then I received a check a couple months later stating i overpaid, then all of a sudden i owe them again and have to repay them possibly a year later? 
XXXX is reporting checking account fraud when that was never the case. My first chase account was closed due to an unauthorized charge and my second was closed due to the dispute disagreement which led to overdraft. 
I do not appreciate being lied on and having my report tarnished where it affects my other banking business going forward. I would appreciate to have that report removed before considering legal pursuits. 
This is clearly not appropriate banking procedures and this corporation needs to be shut down.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXXXXXX 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

All of a sudden I have multiple inquiries that I did not authorize XXXX XXXX XXXXXXXX Address XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/2023 XXXX  Inquired on XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within XXXX  days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Checks were stolen and used to open a bank account with Ally Bank. i have contacted both Ally and XXXX and Ally bank continues to deny receipt of my funds from the checks I am attaching. I have submitted these to XXXX fraud team via email and text message and am ignored each time ( at least 5 times ) always being told that I can submit this proof and they will see what they can do. I have been reporting this since XXXX of XXXX and have since verified my own identity and gained access to whatever accounts are at Ally bank, but have not found any with a balance and none of the accounts match the account numbers on the back of attached checks. I dont understand how a bank can LOSE {$29000.00}, however Ally has repeatedly told me on EACH OF THE XXXX separate occasions ( including XXXX conference calls with XXXX XXXX that they never received these funds, having flagged them as suspicious, however, the stamps on the back of the drafts and the removal of funds from my account would say otherwise.
Product: Credit card

I was charged an overlimit fee after interest charged by PNC Bank. This happened twice on my statements on XX/XX/year> and XX/XX/year>. I never opted in for over the limit fees. What add insult to injury is that I am paying 25 % APR. I have always paid my PNC bill on time. Charging an over limit fee when the interest is charged to my account by PNC is predatory tactic. All I am asking PNC is to refund me the over limit fees for XX/XX/year> and XX/XX/year>. I was charged {$39.00} fee for each month. A total of {$78.00} for both months. I have tried calling into PNC to get those fee reserved but to no avail. 

I filed a complaint with Federal Reserve and now with cfpb. 

I have no problem with interest charges but to add over limit fee due to interest charges posted by PNC bank is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports a collection account from XXXX XXXX XXXX original creditor XXXX XXXX I disputed this account because any account I have with XXXX  is up to date. I also have never opened an account with XXXX XXXX. Is there a history in my credit report other than this collection that refers to the owed balance? 

What needs to be done to have this corrected?
Product: Debt collection

XXXX Apartment Homes & IQ Data Collection Agency are accused of the following : 1. Reported False Information on Consumers/Credit Reports 2. Repeatedly and continuously call us 3.  Seek unjustified amounts XXXX Apartment Homes ...

1. Misappropriated our rent and XXXX  ( utilities ) payments in XX/XX/2018. 
2. Overcharged us following our move out date of XX/XX/2018. We submitted a 30 Day Notice to Vacate our apartment on XX/XX/2018. Included within the 30 Day Notice we provided our newly purchased home address and a request for the balance of our account due for the apartment home we were renting. 
3. Receipts for cleaning and repairs charged to us by XXXX Apartments following our move out date of XX/XX/2018 were NEVER provided to us. Not within the 21 Days after we vacated the apartment home and NEVER at anytime thereafter. 

The actual amount we owe ( d ), less cleaning and repair fees - since we never received copies of those receipts, is {$3700.00} NOT the {$4600.00} they demanded and not the {$4700.00} the IQ Data Collection Agency is demanding from us. We have documentation of all payments we made, correspondence with the Manager at  XXXX Apartments, including correspondence of us trying to settle this account for the correct amount owed of {$3700.00}. The Manager at XXXX refused to correct his accounting errors and the correct payment owed. XXXX sold the debt to IQ Data Collection. We now have Negative marks with all 3 credit reporting agencies. This  negative mark has resulted in us not qualifying for an auto loan or mortgage refi at lower interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported identity theft resulting in fraud on XX/XX/XXXX. See Complaint # XXXX XXXX, XXXX, XXXX. One of the fraudulent accounts that had been opened in my name was with XXXX & XXXX for an address in XXXX. All of those accounts were removed from my credit reports. Thereafter, I placed a credit alert with all three major credit reporting agencies. I was supposed to be called should anyone attempt to open any type of credit account in my name. That did not occur. Instead, XXXX XXXX XXXX apparently opened another account with a fraudster in XXXX of XXXX. I learned of this fraudulent account when I received a notice from my credit card provider that my credit score went down due to a collection account being placed on it. I checked my credit report and found XXXX XXXX XXXX had turned over the new fraudulent account to AFNI Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. I filed a dispute of this account with all 3 credit reporting agencies. I contacted AFNI and was told by their representative that the XXXX XXXX XXXX account was associated with an address in XXXX. Neither I, nor any of my family has ever lived in XXXX, nor have we ever been XXXX customers. I informed AFNI 's representative and was told the account was under investigation. AFNI has now sent me a letter requesting I complete a detailed form, and provide them with a copy of my state issued ID, and police report. I have now placed a Credit Freeze with all three credit reporting agencies in hopes this will not occur again. XXXX XXXX XXXX needs to train its employees on how to check with credit reporting agencies before opening new accounts.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and conifentiality under 15 usc 1681 XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX once # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX  # XXXX the XXXX XXXX XXXX- Total visa XXXX XXXX XXXX XXXX XXXX # XXXX I look at my Transunion on XX/XX/year> and XX/XX/year> and notice something are incomplete and Not accurate, and according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possibles accuracy of the information concerning the individual about whom the report relates according to 15usc 168 ( e ) ( b ). And according to 15usc 2681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable informational. ( A ) in general after any reinvestigation under paragraph ( 1 ) of any in formation disputed by a consumer an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( 1 ) promptly delete that item of information has been modified or deleted from the file of the consumer. And according to 15usc 1685-2 they are suppose to not furnish any information relating to consumer to any consumer reporting agency if the per known
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan was defaulted about 7 years ago. The company I defaulted with is XXXX XXXX XXXX. I missed my first payment XXXX of XXXX which was also reported to the credit bureau ( Equifax ). After that account was never brought current and was charged off. However, XXXX XXXX XXXX reports date of first Delinquency as XX/XX/XXXX, which is one year and 3 months after the original delinquency. 

I have unsuccessfully tried to contact XXXX XXXX XXXX directly multiple times to correct this error and have lodge multiple disputes with credit bureau. 

I want to resolve this issue.
Product: Debt collection

this has been an account from this company that is being reported but was a result from identity theft my identity was stolen and used to establish this account butr yet they still have this account as mine when i have sent information that it is not mine police report affidavit with a denial of any benefit i just dont know what to do at this point but this needs to be deleted from my credit file immediately and closed in all of their offices
Product: Debt collection

XXXX XXXX XXXX, SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL PAYMENT DATA Dear XXXX   XXXX  XXXX XXXX XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX AND XXXX  ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX DEBT IS NOT MINE, SIMILAR NAME TO MINE WRONG REPORTING.
Product: Checking or savings account

On Friday XX/XX/XXXX I logged into my Citibank mobile app and notice that the account that I'm on with my son ending in # XXXX was negative {$5900.00}. After going through the transaction history I see that XXXX checks were deposited and XXXX withdrawals were made and a wire. My son lost his wallet on XX/XX/21. The last time he remember using his card was at a XXXX gas station for {$8.00} and then he couldn't find the wallet anymore. After that he looks like these transaction happened after that. My son is a victim of identity theft and fraud on his checking account. 

I called the 800 number that's on the back of the card immediately, and spoke to a rep. Who stated that I'll need to go into the branch to get my name removed off the account so that they don't try to pull the funds from my sole account. Initially I thought my son had done this because he was looking for a part time job for the holiday and some guy online tried to say he'll mail my son a check to by the computer to do the job and then my sone would write him a personal check for the difference. My son stated after the guy said that he started to ask for his social and driver 's license number and he stop responding so he never provided any info to him. 

On Saturday I went into the Citibank at XXXX AM XXXX in XXXX, IL. XXXX branch and sat with a banker for XXXX hours that couldn't assist me. She called the fraud department and stayed on hold for XXXX XXXX hour and then stated that they must be closed because no one never answered. She then instructed me to go on the mobile app to see if someone would help me. I went back and forth one rep stated he'll get me over to the disputes department and when that rep answered she stated that I was in the wrong department. Finally someone stated that they'll put a dispute in for the {$1000.00} and {$500.00} cash withdraw. Then provided me with a number to call the wire fraud department for {$4700.00} that's not open on the weekend. Then I was told I would have to visit my local bank to dispute the XXXX {$17000.00}. I was there for XXXX XXXX hours and the banker kept telling me that she couldn't assist with this only the fraud department could that never answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, PLEASE STOP CLOSING ALL MY COMPLAINTS AND MOVE IT FORWARD. NOT RIGHT YOU ARE VIOLATING MY RIGHTS AS A CONSUMER. HARD ENOUGH TO FIGHT WITH THE CREDIT BUREAUS AND NOW WE HAVE TO FIGHT WITH AN ORGANIZATION WHO IS SUPPOSED TO HELP US. I HAVE SENT CERTIFIED RETURN RECEIPT TO XXXX and no word back, so I am assuming the are agreeing with my findings. 

TO WHOM IT MAY CONCERN : I am a military member XXXX XXXX XXXX. After review all XXXX credit reports, I am demanding the below account be removed immediately as it completely inaccurate for the following reasons : a. The type of loan is not accurate as its a credit sale NOT Loan as shown on my credit reports. 
b. The loan is listed as charge off which is not accurate. It was sold. 
c. Current balance or owe balance is also incorrect as you can see what XXXX detailed payments. See attached document by XXXX XXXX. The remaining balance is {$11000.00} NOT {$11000.00} as you have reported. 
I have disputed with the credit bureaus and sent by certified mail with return receipt. Please see attached copy. 
Im exercising my right under the Fair Credit Reporting Act and right under the fair credit and billing act as to what right the company has to collect? I am requesting further information about items on my credit report. I am requesting full validation. 
XXXX XXXX Balance on XX/XX/2019 {$11000.00} Original loan amount {$25000.00} Account numberXXXX I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, and Fair Credit and Billing Act all information must be accurate, no errors and verifiable.
Product: Checking or savings account

The bank has charged me overdraft fees on my account when I never opted into overdraft protection on my account. They have been doing this for years on my account for at least the last XXXX years. As you know as of XXXX Banks are not allowed to charge me the XXXX dollar overdraft fee on debit card transactions if I never opt-ed into the overdraft protection with said bank. They even admitted on a call with me that there was no overdraft protection enabled on my account. They are illegally charging me these fees and I need them to stop since overdraft protection is not enabled on my account. 

XXXX https : //www.fdic.gov/consumers/overdraft/