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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Do to First Interstate Bank delay on our construction loan of 5 months past occupancy. Home owner initiated contact to get the loan roll over process initiated. Home owner did much of the work that is the banks responsibility. Documents signed from builder, preparation of paperwork, communication and confusion. 
This then created a {$4400.00} interest payment when our new mortgage payment will be {$3600.00}. Due to the banks delay, lack of preparation, lack of communication we paid nearly {$1000.00} extra in XXXX month and then turning around and having to pay {$3600.00} for the mortgage payment. This has been a hardship for our family and we should have never gotten to a payment that high had the bank done their job. On top of that at the closing the bank representative was a no show, leaving us with unanswered questions, frustration snd confusion on next steps. Current payment and future payment. After sharing with the bank we would need until XX/XX/XXXX for next payment when we would get paid again after already paying {$4400.00} there was no support or guidance in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

No response to request for verified information, sent multiple request to fix errors ion my report, no answer from Trans Union
Product: Debt collection

Subject signed no contract. Subject is XXXX and is a a Federally - Protected Entity covered under ADA. I do not know or owe the company implied. The company DBA Merchants & Professional Collection Bureau , Inc. " Re - aged '' to XX/XX/XXXX supposed date which is an illegal action under FCRA. Company origin of location in XXXX, MI XXXX. Company committed Fraud, Identity Theft on all private accounts. Company Merchants & Professional Collection Bureau , Inc. will be brought before Federal court for Non-Compliance Violations Section 616 Civil Liability for will noncompliance. Section 617 Civil Liability for negligent noncompliance under [ 15 U.S.C. subsection 16810 ] Subsection 619 Obtaining information under False pretenses [ 15 U.S.C. subsection 1681q ] intent to violate title U.S.C subsections 1681h and 1681i ( a ) as well as 609 of the ( FCRA ) .MPCB Inc. violated 610 ( a ) ( 1 ) and is implementing " Undue Economic Hardship '', Intimidation & Fear Tactics by hitting credit reports 20 pts. violating a person 's " Right to Privacy. '' as guaranteed under the FAIR CREDIT REPORTING ACT. " An FDCPA claim has nothing to do with whether the underlying debt is or is not valid, An FDCPA claim concerns the METHOD of collecting the debt. It does not arise out of the transaction creating the debt. " *Spears/Brennan appeal from the XXXX Superior Court [. ] Azar, 874 f. Supp. At 1318. * footnote : See 15 U.S.C. subsection 1692k ( governing civil liability under the Act. Also cited Transunion LLC v. Ramirez. If Merchants & Professional Collection Bureau Inc. violated Laws applicable to this magnitude, then Merchants & Professional Collection Bureau also violated FDCPA Section 807 ( 8 ) Subsection 807. False or misleading representations [ 15USC 1692e ] Communicating or threatening to communicate to any person credit information which is known or which is to be false, including the failure to communicate that a disputed debt is disputed. Metro 2 Compliance, Defamation & Willful injury US Court of Appeals Ninth Circuit, No oo-15946, Nelson vs. Chase Manhattan. FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION, US Court of APPEALS for the Third Circuit Court Case 115 F. 3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). Also submitted Richardson v. Fleet Bank of Massachusetts, Bryant v. TRW because the submission is not in " Good Faith '' pursuant to Subsection Subsection 607 ( b ). Submission if not resolved for injury and undue Economic Hardship, XXXX  & XXXX  XXXX, will be the following submission in Federal Court for damages of an undisclosed amount.
Product: Checking or savings account

Problems on my account due to funds being low and company charging extensive overdraft fees
Product: Checking or savings account

On XX/XX/XXXX I noticed a {$700.00} withdrawal from my Chase account. After calling Chase, they informed me it was because of a mobile deposit made that was not accepted. The following day I saw the withdrawal was in fact a withdrawal slip fraudulently made in my husbands name and immediately called back to file Freud. I then checked my account for other signs and realized three other withdrawals had been made, on XXXX XXXX XXXX XXXX all made for {$700.00}. After speaking again with the chase Fraud department I learned that a person went into three different Florida banks ( I live in NJ ) and wrote withdrawal slips with my husbands name, account, and routing number and was provided access to our funds. Chase Freud department informed me that the most recent Fraud on XX/XX/XXXX would be reimbursed however the other 3 totaling {$2100.00} would not due to the lapse in time. However, it was Chase that couldnt even tell me accurately when I did call that the XXXX withdrawal was due to an in person fraudulent activity and instead provide me with the inaccurate information that it was a mobile deposit not accepted. The negligence on their part for allowing a person to incorrectly spell my husbands name wrong on the slip and withdrew money without the proper identification is irresponsible and we need to be compensated for the money that was stolen from us due to their negligence in the remaining amount of {$2100.00}.
Product: Credit card

In XXXX 2015 I paid this card off leaving a zero balance. In XX/XX/XXXX I placed a small order on easy pay of 3 payments of {$19.00} for which I never received statements and forgot about in the holiday rush. 

On XX/XX/XXXX I received an email from myfico that my credit score was dinged and they were reporting me 30 days delinquent. I immediately contacted them to advise I was not receiving statements and paid the balance in full requesting that all fees, late payment credit reports, my credit limit be restored back to what it had been. To date they have only reversed XXXX late fee of {$35.00}. 

I multiple accounts with Synchrony and have never had a problem. I certainly would not default or be late on a $ 20 monthly payment.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Bank of America Credit Card Sevices / Visa card number ending in XXXX To whom this may concern : Back in XXXX, I opened a consumer visa credit card account with Bank of America, at the time of opening my credit card account, Bank of America required a {$99.00} deposit, at which time I paid as part of the opening of my new credit card account. 

Its been over 3 years since my consumer credit card account was opened, while doing an accounting of my monthly bills, I remembered the process of what was required of me back in XXXX when I opened a credit card account with Bank of America. I decided to call in to BofA and inquire about the process of the {$99.00} deposit, was it something that would eventually be returned to me automatically, or exactly how the deposit process actually works. 

I was advised at the time of my call, that in order to receive my deposit back, I first needed to request it, then a process of filling out a request was done by a Bank of America agent and would then receive my deposit back in the form of either a direct deposit into my bank account, cashiers check or regular check within 7 to 10 days, I opted for a physical check. This was on or around the first week in XX/XX/XXXX I was also assured that I would be receiving a letter in the mail prior to receiving my refund check. Neither took place, no letter, no refund. 

I then reached back out to Bank of America around or about the middle of XXXX, explaining the situation and that I had never heard anything back from BofA, the agent at the time was very nice, explained while apologizing, stating that she could see that I had called and requested the refund of deposit. Unfortunately, the rep didnt properly process my request. She assured me that this time, she would get it right and that for sure, I would receive my refund check in the amount of {$99.00} and in addition, I would be receiving a letter confirming the process. 

Well, its now XX/XX/XXXX and I have received nothing or heard nothing from Bank of America, I advised the agent at the time, that if I didnt hear back from Bank of America, I would then reach out to the Consumer Financial Protection Bureau and request that they look into the issue further. 

Please investigate the situation and lets hope for a quick and easy resolution to the problem. There seems to be a lack of proper handling regarding my request. 


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

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, The reported balance is inaccurate. 
XXXX XXXX : Account number : XXXX, The reported balance is inaccurate. 
XXXX XXXX XXXX : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX XXXX : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX XXXX : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX ( Original XXXX XXXX BANK ) : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX  ( Original XXXX XXXX XXXX BANK XXXX XXXX XXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX ( Original XXXX XXXX XXXXXXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts.
Product: Debt collection

Sent a certified mail on XX/XX/XXXX requesting debt validation. Sent certified mail on XX/XX/XXXX requesting proper verification bearing my signature. Did not receive a response. Sent complaint via their website on XX/XX/XXXX, no response. Called on XX/XX/XXXX got hung up. Called back, was transferred to supervisor. Supervisor was yelling entire time, stating that they dont have to verify and that an itemized bill was sufficient. Supervisor made remark that If i want to keep playing stupid they will no longer contact me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Today, XX/XX/2020, I received an email notification via XXXX XXXX indicating a collection had been added to my credit report. The collection amount of {$2900.00} by Midwest Recovery Systems was reported on both my XXXX and XXXX credit reports but not on the report with XXXX. This is not my debt and I have had no correspondence or contact whatsoever with Midwest Recovery Systems. I have filed disputes of this collection with both XXXX and XXXX and am awaiting investigation into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account created XXXX XXXX XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. 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, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; 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 ne action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal actinike against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act Dislike You will be required to appear in a court venue local to me, since you are clearly doing business in my For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you wO 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

During covid-19 of XXXX year XXXX i was released from my job due to catching XXXX during that time period someone broke into the office of my job and stole my personal information which contained my SSN and my personal identification. after recently reviewing my credit report i discovered that someone used my SSN and other personal identifying information to successfully open up 4 different accounts in my name that i had no knowledge about. 

The accounts or as followed : XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX  ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX )
Product: Vehicle loan or lease

Harley Davidson has been closed since 2017, furthermore account was transferred to XXXX XXXX XXXX   in XXXX. Both Harley and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.
Product: Checking or savings account

On XX/XX/XXXX I filed fraudulent charges on my spend account with credit karma. On XX/XX/XXXX they locked my checking and my savings! Claiming they were under review for 10 business days. It is now XX/XX/2022 and I have yet to receive access to my account .... they tell they are delayed. But it's people that submitted cases after me that have received a decision! I truly believe I am being discriminated against. XXXX  bank has been know help either.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes to delete an remove all inaccurate information on my credit report with experian. checking my credit file ive noticed that none of these items are correct on all 3 credit files. this has caused alot of errors on my credit report. this is my 2nd attempt an I am interested in action being taken. please review an remove all listed items to fix my credit report asap.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, i filed a dispute regarding account XXXX, this company failed to provide a descriptive report on how it was concluded that the account in question was accurate and fair. There was no payment history provided, there was no original documentation provided to me regarding the validity of the account. 

Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$7600.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was paying on a washer and dryer from America First Financial, a month before paying off items. I noticed that stated my payment was XXXX which is paying off this item twice..please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following account numbers have been reported to my credit report without proper consent, and the information provided is inaccurate XXXX  XXXX, XXXX, XXXX improper origination date and incorrect creditor type In addition my private transactions wee furnished without my written consent According to 15 USC 1681 section 604 states the CRA must provide correct information.

I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

We use to live at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I moved out of the state of Florida after my lease was up. I have never payed late or left an outstanding balance with XXXX XXXX. In XX/XX/XXXX, I saw a negative account added to my credit report and it was from XXXX XXXX  ( original creditor XXXX XXXX XXXX. I tried to reach out to apartment management company and they refused to send me documentation to prove the outstanding balance, even though when I left my documents showed a {$0.00} balance. I tried getting proof through the credit bureau 's, and they are verifying the account however not showing me the proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXXXXXX XXXX XXXX Date XXXX : XX/XX/2021 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AVID ACCEPTANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Checked my credit for a car XX/XX/2017, I do not recall requesting this credit check nor did i authorize any person or business to do so. This hurt my credit and is an unfair hit on my credit. I tried to call said company and got a disconnected call three times when i called to esquire of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regarding a credit report from our previous mortgage company over a month ago. Contact with you led to them calling me a few days later ( something we haven't been able to get them to do for over a year ). They had tried to put us in foreclosure last year, but I was XXXX XXXX military. What they did was illegal and it took XXXX points from our credit score. When I finally got home after XXXX, we were forced to quick sale our home and move into an apartment. Now our lease is up and we have nowhere to go, and can't even renew our lease where we are because of our credit score. When you contacted them last month and they called me back, they claimed all negative remarks would be removed from the account and our points would be returned. However, we only saw a XXXX point bump the day after that conversation and haven't seen a single point from them since then. It's been over a month, we are about to be homeless, and I want my credit fixed. I can't allow my child to be homeless because a mortgage company refuses to fix their illegal mistake.
Product: Debt collection

Notice an open account on my credit report, that doesn't belong to me. Contacted the company over the phone, Receivables Performance Management LLC, and they wouldn't tell me where the supposed money owed originated. Says I owe {$270.00}. Account opened XX/XX/2018 according to the report. My credit score has dropped due to this and this company keeps calling. How do I remedy this situation fairly?