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

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report. 

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual ; about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 

I demand that the following accounts be validated or DELETED immediately : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigtion. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I recently submitted a complaint to Equifax and XXXX on XX/XX/2019 regarding my XXXX XXXX XXXX  - partial account number XXXXXXXX wherein I am listed as an authorized user. ( Please see page 4 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.
Product: Credit card

XX/XX/year> Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX, Synchrony Bank XXXX : {$3000.00} charge Following my narrative, you will see a XX/XX/year> letter from your Customer Service Department, claiming that I owe {$3000.00} on the account noted in that letter. However, you do NOT support your claim with any specific evidence ; therefore, I request that you promptly honor the three REQUESTS, listed below. 

REQUEST : Send me a copy of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX statement that shows the credit of {$3000.00} that you claim was " erroneously applied '' to my account. 
REQUEST Send me a copy of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX statement that shows the OTHER credit of {$3000.00} issued by Synchrony Bank. If your " erroneously applied '' credit claim is accurate, then you should be able to show when the " first '' credit of {$3000.00} and the " second '' credit of {$3000.00} were issued by Synchrony Bank. 
REQUEST : Send me a copy of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX statement that shows when the debit of {$3000.00} first appeared on the account noted in your letter. 

SYNCHRONY BANK XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> NAME : ___________ Account Number Ending In : _______ Dear NAME _________, During a recent review of our account records, we discovered that we erroneously applied a payment in the amount of {$3000.00} to your XXXXXXXX XXXX XXXX XXXX XXXX XXXX account. 

To correct this error, we have charged your account for the same amount of the payment in order to reverse the payment. The adjustment will be shown on your next billing statement. 

Please accept our apology for any inconvenience this XXXX have caused you. 

We appreciate you as a valued XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX member and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at the toll free number below. Sincerely, Customer Service Department. 

Sincerely, Customer Service Department XXXX Account is owned by SYNCHRONY BANK
Product: Credit card or prepaid card

{$30000.00} was taken from account, and bank of America has not brought the money back into the account. I filed a complaint on XX/XX/XXXX and i have not heard back. I did not make the transactions on this account.
Product: Mortgage

I applied for mortgage with Chase on or about XX/XX/year>. It immediately took {$500.00} deposit which would be applied when loan is approved. They failed to do due diligence until the deadline passed. Then they asked for bank statements with explanation -- which should have been done in XXXX. They were infinitely delaying it. So, I canceled and with another lender, which swiftly closed the deal and was able to buy the house. 
I want {$500.00} refund.
Product: Checking or savings account

I've been charged more than 900.00 in overdraft fee in the last 2 years with my TD Bank. I am certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I'm unaware off and there are no way and no grace period where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these banks are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit union keeps using different names of themselves on equifax and XXXX and XXXX. When you make a payment you never know what listing they will put the payment under and then it shows lates on the other name.

The credit union is called XXXX XXXX but they also use their former name as XXXX XXXX XXXX. They list XXXX XXXX is listed on my XXXX reports but XXXX XXXX XXXX on Equifax and XXXX XXXX. I have two loans with them, The first is a auto loan, and they will not send me a copy of the title or lean holder on the car, and the other loan was a forced loan on me, They were supposed to refinance my home last year but then they refused me and charged me {$500.00} for a home inspection that they never did and forced me to take out a {$1200.00} loan to pay it. So now I have a double payment to them. I am XXXX and have a social security limited income of {$1000.00} a month. Now I do not have enough money to eat every month. They never explained the truth in lending and never provided documents on it. So I have a reporting problem with them, because they use different names on different credit reporting companies and a truth in lending problem with the contracts. They also keep changing information on my credit reports. They never tell me what they are doing or what they are reporting. They have lates listed on all the reports as 30 and 60 days. But they did skip a pay for me when I got out of the XXXX  from XXXX XXXX. Then sent me a new contract to sign by way of internet that was blurry and blotted out so I could not see what they did and said that I had to sign them over the internet or they was going to take me to court and sue me to garnish my social security check and medicare. I feel trapped in this and fear that they will take away my social security check every month and take my car away from me so I can not get to my medical appointments. I never gave them permission to report anything on my credit reports. I need my privacy on this matter to due to my health.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXXXXXX 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

experian, XXXX and XXXX has some accounts on my credt reports that are not mine.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already settled this debt with the Company and they agreed to delete it. Please remove this debt. Document will be attached to support my claim.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TransUnion Consumer Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - Reporting inquiries without my permission, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) - You are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. And some false information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Mortgage

In XX/XX/2021 I did a 12 month COVID 19 Forbearance with Mid-America Mortgage. They assured me through the CARES Act that it would not report negatively on my credit. At the end of it I chose an option, allowed to me as a XXXX XXXX loan, to do a streamline modification. They tried to force me into other options by sending me the wrong docs, and I finally got them to do the streamline. They told me that their policy is to have me pay 3 payments and that after that it will be streamlined. I just made my third payment, and got a notification from XXXX that there has been a massive change to my credit score. They reported me as missing 12 payments totaling over {$33000.00}. It dropped my credit score from the XXXX to XXXX. I reported it to them and they told me they would put it under review and it could take up to 45 days if they were to fix it. That was last week. As of today they reported me late again. My understanding of the Cares act is this should not be reported as delinquent unless I defaulted on the loan after the forbearance was done. To this day, I can not make payments online. They still have me marked as in a loss mitigation and I have to make payments by calling them.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within 30 days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I did an online order with a company XXXX XXXX XXXX for XXXX.that I will receive my product in 4 to 5 days. I noticed a transaction for XXXX from XXXX XXXX. I was alarmed and ask XXXX XXXX XXXX was that them and for a tracking number. No response.. kept trying still no response. Waited the 4 to 5 days, no delivery. On XX/XX/XXXX I disputed the transaction for amount and no delivery with Chime Bank 4 times. They have denied all 4 times. Chime provided me with a fake delivery form from the merchant that was blacked out by Chime they say its for my security.. I advised them twice I will like to see it without it being black out. Each time waiting 10 days and continuing to wait. I think Chime bank is a fraudulent company and taking customers money. Please investigate!
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.
Product: Debt collection

XXXX confiscated my Federal Income Tax Return for XXXX and XXXX, with no XXXX-day notification of said action. In addition, XXXX began garnishing my wages as of XXXX XXXX, again with no XXXX day notice of said action or notification of my rights to prevent such measures, as spelled out in the Consumer Protection laws, Administrative Wage Garnishment laws and the FDCPA, etc.. In addition, I had previously mailed XXXX a debt-validation request letter and then a follow-up letter informing them that " they are attempting to collect on a Zombie Debt. '' The latter mentioned letter was entirely ignored, as they began garnishing my wages in the same month the letter was mailed. I have since sent XXXX a " cease and desist letter, '' informing them that they are violating the consumer protection laws and are unlawfully garnishing my wages, which must stop immediately and let proper procedure follow. It has now been XXXX days since they received this letter and I have received no response, and my paychecks are continually garnished, UNLAWFULLY.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/24 informing Equifax of my recent identity theft and supported my complaint with my FTC filing. Equifax fully ignored my legally required request to have the fraudulent accounts within 4 days of the receipt of the my compliant. I have included both the original compliant and glossed over obviously automated response from Equifax. I have also included my identification documents as I did with my previous disputes. My personal credit is important to me and having these items remain on my credit report is only keeping me from the financial goals I have set for me myself and my family. Please TRULY investigate this complaint and delete this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reported inaccurate, fraudulent, and unknown information that appears on my XXXX, Equifax, and XXXX credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm XXXX, Equifax, XXXX, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This account doesnt belong to me Ive disputed this account and the creator deleted this debt from me.
Product: Debt collection

I have been fighting this collection of {$980.00} for over a year. I have previously submitted complaints against this collection agency for not following CFPB law ( not disclosing options or rights ). I have now found information that proves they can not legally collect the debt in the state of FL, as the original creditors did not follow the law when trying to collect the debt in the first place. In the state of FL, they only have 30 days to send the collection amount. They did not attempt to collect within 30 days, so I do not owe the debt.
Product: Checking or savings account

Dear CONSUMER FINANCE I've been a valuable customer with Wells Fargo since 2012 but since I've opened a account I'm being charged a XXXX dollar fee every month for the past years I feel like I'm not being treated fairly
Product: Checking or savings account

I called CapitalOne customer service on XX/XX/XXXX to report the unauthorized transaction ( fraudulent activity ). The fraudulent activity happened on XX/XX/XXXX XXXX money was withdrawn from my checking account for {$25.00} to XXXX XXXX. I never use XXXX to send out the money. I've been a CapitalOne customer for over 8 years and never had fraudulent activity on this account. I still don't know how the scammer was able to pull my money from the checking account. I disputed the XXXX transaction on XX/XX/XXXX and CapitalOne gave me Claim # XXXX. After I reported the fraudulent activities, they sent me an email on XX/XX/XXXX and said to deny the dispute. I was shocked because banking can't refund my money that was stolen by the scammers, which means they are not responsible for protecting their consumer 's money from the scammers. They couldn't resolve the problem of unauthorized transactions that made electronic/money transfers via XXXX.