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

To Whom It May Concern, This letter serves as my formal demand under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 for the immediate removal of the XXXX XXXX XXXX accounts currently being fraudulently and inaccurately reported to XXXX, TransUnion, and XXXX. 

LEGAL DEMAND FOR PROOF OF VALIDITY Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a data furnisher such as XXXX XXXX must only report accurate information. You have failed to provide verifiable written proof that these accounts belong to me, which constitutes a direct violation of federal law. If you can not produce original signed contracts, account statements, and all supporting documentation proving these accounts are valid within 30 days of this notice, you are legally required to delete them under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Furthermore, under 15 U.S.C. 1692g ( b ), failure to provide debt validation bars you from attempting to collect or report this debt. Since no valid proof has been sent to me, continued reporting of these accounts is unlawful and will result in immediate legal action. 

LEGAL CONSEQUENCES OF NON-COMPLIANCE If XXXX XXXX  does not comply by removing these accounts within 30 days, I will take the following actions : XXXX a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office against XXXX XXXX for violating the FCRA and FDCPA. 
XXXX XXXX XXXX for willful non-compliance under 15 U.S.C. 1681n, seeking damages of up to {$1000.00} per violation, plus attorney fees and court costs. 
XXXX litigation against the credit bureaus if they fail to delete this erroneous information per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX expose these fraudulent and deceptive practices to consumer advocacy groups, online platforms, and social media. 

FINAL WARNING This is my final notice before I escalate this matter. You are legally obligated to remove these accounts immediately from XXXX, TransUnion, and XXXX. Failure to do so will result in legal consequences that will cost your company far more than simply complying with the law. 

I expect a written response confirming removal within 15 days of receipt of this letter. If these accounts are not permanently deleted within 30 days, I will pursue legal action without further notice.
Product: Checking or savings account

I have account with Bank of America so long time and I deposited my money almost {$20000.00} XXXX and all of a sudden I lost that money I dont know what happened and who transferred to the my bank and I went I ask them they are not giving a good response to me And I need my money back they are charging a lot of money to me I dont know I went there why you are charging to me every month what is going on and then they said there is no money thats what charging whats going on with me I couldnt understand and all of a sudden I have to go to the XXXX because my dad was XXXX XXXX XXXX XXXX XXXX then I went XXXX while I came back I gave that complaint to the bank of America but they dont care about me and my money please help me
Product: Checking or savings account

I can have money on my card and well Fargo will take money and claim, its been overdraft or pending and makes my account negative, this been going on for months now, thats why I barely use my account scared if my money will be taken or not and they now charging {$5.00} for just having the account open never once did that before.
Product: Credit reporting or other personal consumer reports

I have been scammed and I had fraud charges on my bank account with XXXX XXXX. I disputed charges as fraud, XXXX XXXX  credited my account but later recharged amounts again. XXXX XXXX  did not protect my account from fraud charges, XXXX XXXX  charged me for fraud charges and reported me as abuse. 
Provide evidence of abuse, provide evidence of charges made by me, otherwise delete this information from my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated two transactions XXXX and XXXX for a small funds transfer to my family members to help with the Covid unemployment situation. The funds have not yet been delivered. 

Xoom has debited my bank account but their Customer Service XXXX does not answer all week. Their parent company XXXX told me they can't help me. 

Xoom has sent me two emails stating that there is a problem with their 'partner '. However I have not heard from them for two days. 

My niece went in to her bank ( XXXX ) in XXXX XXXX and they verified there is no problem with her account.I suspect that fraud has been perpetrated somewhere along the line. 

Can you help with this matter. At the least i would like to cancel the transactions and receive a refund but can't seem to get through to XOOM.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion account is showing five of my XXXX accounts as delinquent even though I've checked with XXXX and none of my accounts are delinquent. All of my loans have been in deferment/grace period/forbearance because I was in school for the last three years. The dollar amount for each account is as follows : {$2000.00} opened on XX/XX/XXXX ; {$3400.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; and {$52000.00} opened on XX/XX/XXXX. All of this accounts are in good standing with XXXX and they are telling me they will do an inquiry which will take 21 days until the correct report is sent to the credit bureaus. I wanted to refinance my loans but am ineligible for all private loans now because of this issue. It does not seem like it will get resolved until at least a few months and in this time I will be forced to continue to pay the high federal loan interest rates.
Product: Payday loan, title loan, or personal loan

Several Days after delivery I noticed a few indentions / hash to table. Service order was put in and Conns refuse to replace my item as they are blaming it on delivery. After many attempts no resolution has been place. I would like all monies refunded that was put into table.
Product: Credit reporting

I had applied for a loan and allready paid the amount through the customer service. Now i see a negative credit remark on my credit score and an amount due which has already been paid long time ago. I had been harassed with calls and mails to my address. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 55 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to wrongful reporting of accounts on my credit profile. These Reporting bureaus are breaking FCRA laws. Also after further research i found out my information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for this reason : XX/XX/XXXX19, XX/XX/XXXX19,XX/XX/XXXX19, Incorrect balance, the date reported, and the account type is inaccurate. 

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 U.S. Bankruptcy Court # XXXX
Product: Mortgage

SPS LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX A full short sale package was faxed to SPS on XX/XX/17. Week after week SPSs underwriting dept claims something is missing, even though the short sale was started almost 2 months ago. They are refusing to do a complete review of the file and give a complete list of items missing at the beginning of this transaction. Instead they piece-meal it out and claim something different is missing each week. They ignore the documents we have already sent, even though their front-end dept can see it clear as day. They ask for proprietary items that do not exist online. They make up requests that have nothing to do with this borrowers situation. 

Clearly, SPS doesnt have enough employees, and they are doing anything they can to reduce their workload. SPS has too many files, too few employees, and they are simply not able to service their files appropriately. This is happening on all of our files with SPS recently -- It is also happening on LN XXXX for homeowner XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Divorce decree awarded all XXXX loans from XXXX to my ex-wife. There should be no debt in my name for XXXX. This is ridiculous.
Product: Checking or savings account

I had these account for about 7 years, I had XXXX to deposit and went to the me I feel branch to deposit and was enticed to take advantage of the XXXX incentive. program and was told tof upgrade the account to premier plus. 

I have been displeased with chase over the last few months thus been funneling money to XXXX  XXXX. now they accused a {$25.00} fee ony my checking account I have had the whole time with chase. 

I combined to the lady, XXXX XXXX, who did absolutely nothing. at the XXXX branch that oversees to account therefore, she doesn't care, nor do I, so I want to close my entire accounts with chase and will gladly take my money elsewhere. 

I also want my {$25.00} back in will stand for inferior service and will not bank with chase again. I want everything removes and do not want my name on any mailing list with chase.
Product: Debt collection

I am making a formal dispute about these debt that appeared on my credit file. The collections company name is XXXX XXXX XXXX and I have never had any dealing with this company, nor have I had an Lease with any of their affiliates. 

I was informed today that this debt that does not belong to me and has appeared on my credit. I believe this debt is a result of identity theft and does not belong to me. I have never opened an account with the companynor have I ever lived at the lease that is appearing on my credit from this collection debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing fraudulent info on my report and I have disputed it and they have taken NO action on my behalf. 

Following are NOT accurate : XXXX Reporting {$290.00} I have returned ALL equipment and they are still reporting it. 

XXXX XXXX XXXX for {$890.00}. This is dut to ID theft and NOT mine!!!! 

XXXX XXXX {$3100.00} This belongs to my ex per divorce decree
Product: Debt collection

Some company with number XXXX XXXX XXXX and XXXX x XXXX called my work place and tried to contact me there. The office took a message and he said this is XXXX with MCM and left a phone number. 
I have had no dealings with them owe them nothing and refuse to accept their bothering me at work. It is a govt office and not allowed. 

Hi I just took a phone message for you. He said you will know what it's about. He said his name is XXXX with MCM. Phone is XXXX x XXXX. 
This is the email I received re the event
Product: Debt collection

Tab services of XXXX is collecting debt with out authorization they have not prove they my hippa letter signed by me to have full medical. Privacy information
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns formally with and how Zelle regards issues on said platform. Even after being a constant user of Zelle my claim was handled and investigated poorly and informed me that recovering these lost funds was impossible and the tracking and managing anything after was also unfeasible. The CFPB has founding that Zelle not only neglected their users but have let repeat offenders and fraudulent antics to exploit their systems and users, leaving them exposed to scams. Their needs to be action towards their lack of responsibility, transparency, and safety. 
Ontop of other transactions going unknown I've lost a considerable amount of money and even more money possibly, as I suffer from memory degradation and this feels predetory, from XX/XX/XXXX - XX/XX/XXXX and ontop of other transactions I never made from XX/XX/XXXX - XX/XX/XXXX
Product: Debt collection

I have received frequent calls-multiple times a day from the company. I have not contacted as I have a third party contacting them and they refuse to stop. Today XX/XX/18 I spoke with a representative and they stated they would not stop contacting me until I set up a payment plan. I informed them I would not be doing that as I had a third party company and they stated, they do not work with them and I would be wasting my time. They continued to stated they were not harassing me with all these phone calls. They also reached out to family and friends ( some I had not spoken to in years ) to get a hold of me. They told them they are trying to get a hold of me as I have connections through those people..
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis pulled my information without my consent. According to 5 U.S. Code 552a - Records maintained on individuals. I should have the right to privacy without my information being shared. I was not sent notice of lexisnexis before they shared my information with the creditor reporting agencies
Product: Mortgage

To whom it may concern, Due to covid and the Cares Act and my unemployment, we made an agreement with our mortgage company to get on the forebearance program where we will pay the next payments at the end of our mortgage. XXXX XXXX XXXX. reported us late and NOT paying our mortgage to our credit reports which made both our scores go way down and being delinquint. The mortgage co is XXXX XXXX. Phone # is XXXX. I have documents to back this up. Also my husbands XXXX card saw this information and stopped him from using his card, which he needs and pays off in a timely manner. Thank you
Product: Money transfer, virtual currency, or money service

Someone has either hijacked an old account that I opened but haven't accessed for over 10 years or opened an account in my name using ID theft. I know this because I got a decline letter from XXXX XXXX  for paypal credit. I didn't apply for paypal credit and i don't have or use paypal. I have no bank accounts connected to paypal and haven't for over 10 years. If there was an old account I setup long ago, I don't know the bank or account number and this account would now be closed. 

The system will not allow me to change the password and I get stuck in a loop where I'm asked for to change my password over and over again, each time with a password that isn't one of the previously selected passwords in the previous loops! I enter the password and it comes right back to the same screen.

I called paypal and their overseas support department didn't seem to care and had very little interest in helping me resolve this fraud incident. They are asking me for the last 4 digits of the bank account which I don't have since I have no accounts associated with paypal. Again I don't use or have paypal. 

At this point paypal will not close this fraud account that someone besides me controls and so I will try this method. I hope you can help.
Product: Debt collection

Heres a draft for your what happened statement : What Happened Statement On XX/XX/year>, a debt for {$790.00} was added to my credit report, allegedly owed to XXXX XXXX. I want to make it clear that this is not my debt. I have never incurred such an obligation with XXXX XXXX. After thoroughly reviewing this matter, I have determined that I was a victim of identity fraud. 

Someone fraudulently used my personal information to open an account or incur charges with XXXX XXXX without my knowledge or consent. I have no affiliation with this account and have not received any services or benefits related to it. 

As a victim of identity theft, I have taken appropriate steps to address the situation, including disputing the debt with XXXX XXXX and the credit reporting agencies. I respectfully request that this fraudulent debt be removed from my credit report immediately, as it does not reflect my financial responsibility or behavior.
Product: Credit card or prepaid card

As a XXXX XXXX XXXX for 36 years, I am writing to report what I feel are unfair and deceptive acts or practices made by both U.S. Bank. 
I recently received notification from the banks referenced above that my credit line has been lowered due the reasons listed below : Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Lack of recent installment loan information Amount owed on revolving accounts is too high Time since most recent account opening is too short This deceptive practice is balance chasing which means that instead of freeing up credit, the customer has less available credit due to the lower credit limit. The banks are beginning to engage in this practice to limit their risk by reducing the amount of a particular borrowers available credit.

Balance chasing is more likely to occur if the cardholder makes larger payments or may appear to be a high-risk borrower who makes late payments or defaults on other credit cards or loans. An unintended consequence of balance chasing is that even though debt repayment is responsible consumer behavior, it can make it difficult improve a credit score, such a FICO score. 
Another issue with this is that my credit utilization has increased since the banks reduced my credit line. It has also impacted my credit score making it much more difficult to be approved for credit so that I may consolidate my debt as I have done in the past. It is just a matter of time before I see a rate hike due to this unfair practice. 
My credit history has been solid, so it is not clear to me as to why there is a lack of recent installment loan information seeing that I had two automobile loans from XXXX XXXX XXXX XXXX and XXXX XXXX and was paid in full on XX/XX/XXXX and XX/XX/XXXX, respectively. 
Please note that as of XX/XX/XXXX my credit score was XXXX and is currently reporting at XXXX as of XX/XX/XXXX. I have always made my payments in a timely manner and my credit has remained in good standing for many years despite what is stated above. 
The average age of my accounts is 7 years and 5 months with the oldest account 17 years and 6 months. 
My newest account was opened recently at a furniture store back on XX/XX/XXXX. I also had two personal loans I took out with XXXX XXXX that were paid in full as of XX/XX/XXXX and XXXX XXXX, XXXX. 
I understand that the economic conditions have worsened due to the COVID-19 pandemic and that may be a reason for banks showing their reluctance to lend. However, consumers that reflect a solid credit history with favorable credit scores should not be penalized. This appears to be another tactic to raise their interest rates and bottom line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. The following accounts need to be deleted : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX I have several hard inquires on my credit the need to be removed. I was in the hospital and found out only recently that someone was using my ID information to apply for credit without my knowledge. Please remove the following inquiries XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX
Product: Student loan

Recently, this company has started garnishing my check without my knowledge. They never warned me 30 days prior. They never showed me how much I owe or anything. I am attaching a letter that explains of the private loan and the creditors. The loan is over 15 years old and seems to follow the statue of limitations of private loan rule. all of sudden in 2019 they garnish my wages without my knowledge
Product: Debt collection

Credit Bureau Associates of GA located in XXXX, GA reported XXXX ( XXXX ) medical bill balances to my credit report without sending me notices in the mail. According to the Federal Credit Report Act you have to notify in writing prior to reporting to ones individual credit report. I had no knowledge of these balances. I would have paid the balances from the start of the original credit would have sent me the notices in the mail and they fail to do so also. On the other hand, the new law that was passed in XXXX was violated also. A medical collection debt can not be placed on ones credit reporting until after 6 months of medical provider receiving explanation of benefits from the patients insurance company. CBA reported before the 6 months which violates my rights as a consumer. I will be contacting the attorney general and requesting an audit for all their accounts and possibly generating a link for consumers to sign a petition for the negligence this company has caused. Also, I will be filing a claim in court if these XXXX accounts are not removed. Im more than happy to pay the doctor if I owe the amount but creditors should not be allowed to file until they have the resolved info. I filed a grievance with Ambetter insurance back in XXXX for the type of services and treatment I received from the orthopedic. Per XXXX XXXX I was informed not to pay anything until their investigation was finished. XXXX XXXX requested documents from Georgia XXXX and never received the documents. I will be having my attorney reach out to Georgia XXXX for all the paper. XXXX has crossed all boundaries and will be dealt with. All of this happened while the worst thing was going on in the world XXXX. As a military veteran who has fought for this country I despise a company and organization like this. I will also be contact the veteran administration and get them involved as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XX/XX/XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX