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

Subject : Final Litigation Notice Regarding Inaccurate and Unverifiable Accounts Dear Compliance Department, This letter serves as final notice and a formal litigation warning regarding the inaccurate and unverifiable accounts appearing on my credit report. Despite providing you with multiple supporting documentstracked and confirmed via USPS mailthese inaccuracies persist on my report, causing significant harm to my financial stability and well-being. 

The accounts in question are : Bankruptcy : XXXX XXXX, Filed on XX/XX/XXXX, Reference No. XXXX, XXXX : XXXX XXXX XXXX. 
Bankruptcy : XXXX XXXX, Filed on XX/XX/XXXX, XXXX XXXX. XXXX, XXXX : XXXX XXXX XXXX. 
These accounts were removed by XXXX upon my submission of the same evidence. XXXX, the furnisher in question, deleted the data after being unable to verify it with the U.S. Bankruptcy Court. XXXX acknowledged that it lacked the authority to publish such information without consumer consent. Furthermore, I explicitly confirmed with the U.S. Bankruptcy Court that they do not furnish this type of data to third parties, including credit bureaus. 

Your continued reporting of these accounts constitutes willful noncompliance with the FCRA. Specifically, the following violations apply : 15 U.S.C. 1681e ( b ) Failure to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681c Reporting outdated or unverifiable information beyond the statutory limits.

15 U.S.C. 1681n Willful noncompliance, subject to statutory and punitive damages.

15 U.S.C. 1681o Negligent noncompliance, causing harm and entitling me to damages.

I have suffered substantial damages, including but not limited to : Denial of three loans and a housing application. 
Emotional distress requiring medical intervention. 
Damage to my reputation, creditworthiness, and mode of living. 
If these inaccuracies are not deleted within 30 days of receipt of this letter, I will file suit against Equifax for the following : Permissible Purpose Violation : {$1000.00}. 
Defamation of Character : {$1000.00}.

Damage to Reputation : {$1000.00}.

Damaged Creditworthiness : {$1000.00}.

Harm to Mode of Living : {$1000.00}. 
Infringement of Privacy : {$1000.00}. 
This amounts to a cumulative total of {$6000.00} in damages, not including punitive damages. 

This is not a threat but a necessary legal step to ensure compliance with federal law. I urge you to promptly delete these inaccurate accounts and confirm their removal in writing. 

Failure to act will result in the immediate filing of a lawsuit. All correspondence, evidence, and responses will be submitted to the court to establish your liability.
Product: Credit card or prepaid card

I could not find the actually problem I am having on the list of problems. I am having a problem with their automated dialer dialing me sometimes up to 8 times a day. One or 2 calls a day with a voicemail would be suffice to let me know I missed my payment. In this case it was an accident, I forgot to log on and make the payment and although I am glad they reached out to me to let me know I owed them still, I am very unhappy that I recieved 8 phone calls withing a 24 hour period and when I did get home from work and was able to answer the XXXX phone call they hung up without an explanation. I consider this harassment. Edit : While typing this out I went to log back into my account. They had removed my phone number from the system. So now I can not log into my online account without adding my phone number back onto the account. This in turns gives them permission to call me. I am sure they removed the number after I complained about the number of phone calls I had received. Seeing that I have paperless billing with them and can only pay my bill online I now feel like I am being forced to accept them calling me every 3 hours in order to be able to use the card, or to pay it.
Product: Debt collection

I'm XXXX and on Social Security, direct deposited into my bank. In XX/XX/XXXX, I was paying XXXX {$75.00} a month toward XXXX debt. In XX/XX/XXXX I asked them to stop because I could not afford to pay. 
On XX/XX/XXXX, Hunt & Henriques served me with a lawsuit representing XXXX ( same debt ). Hunt & Henriques tacked on {$690.00} in legal fees and did not deduct what I had paid XXXX I tried to negotiate a settlement with Hunt & Hunriques on XX/XX/XXXX and told XXXX with that firm " no ''. They wanted {$120.00} a month and I told them I could not afford to do that and explained that I am a senior on Social Security. 
I hired an attorney ( XXXX XXXX XXXX ) the next day XX/XX/XXXX, on XX/XX/XXXX the attorney received {$150.00} as a retainer. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Hunt & Henriques took {$120.00} total {$380.00} from my account. My account was paperless, I mistakenly thought the money was going to my attorney as that is what we agreed on. 
On XX/XX/XXXX I realized that Hunt & Henriques was taking the money fraudulently. I notified my bank and my attorney ( who has done nothing to represent me ). Hunt and Henriques may have gotten my account information from XXXX. 
I have filed a police report, and Identify Theft Affidavit. Hunt & Henriques returned {$120.00}, they need to return the remainder of {$250.00}. 
The attorney needs to return the {$150.00} he received. It is obvious that he did not notify Hunt & Henriques he was representing me on XX/XX/XXXX, they should not have been able to take money from my account.
Product: Mortgage

I had a personal checking and savings as well as a business checking and savings with US bank .Starting in XX/XX/XXXX. In XX/XX/XXXX I refinanced my home loan with XXXX XXXX XXXX.

Not long after that US Bank started charging me a {$15.00} a month " account accessment '' fee, even though I had the required amount in order to qualify for their " free checking ''.

I was able to get these fees reversed but it happened several times and was very aggravating, so in XX/XX/XXXX I closed all my accounts with US Bank. They proceeded to charge a {$60.00} fee to my home mortgage for closing all my accounts.I was never informed of this, I would not have agreed to this had I been informed, I never signed an agreement consenting to this. Also I was under the impression that my home mortgage was completely separate from my bank accounts and these were 2 separate companies.
Product: Debt collection

XX/XX/XXXX : I discovered a dip in my XXXX score, proceeded to pull my credit reports and found a fraudulent claim/identity theft. I filed an identity theft-related request online with XXXX XXXX XXXX 
XX/XX/XXXX : Results received from XXXX : declines identity block. 
XX/XX/XXXX : I received a statement via XXXX from XXXX. XXXX XXXX XXXX XXXX claiming that I owed a debt to XXXX Apartments in CA for the amount of {$5000.00}. 
XX/XX/XXXX : I sent a XXXX XXXX return receipt letter to XXXX. Data to dispute their fraudulent claim and attached the XXXX XXXX, RI Police Incident Report that I filed on XX/XX/XXXX. 
XX/XX/XXXX : I received correspondence from XXXX. Data requesting notarized paperwork to confirm my identity and proof of residence in RI. 
XX/XX/XXXX : I sent via XXXX certified return receipt mail with the requested documentation. 
XX/XX/XXXX : I receive a statement from XXXX. Data claiming that I continue to owe their client, XXXX Apartments in CA, in the amount of {$5600.00}. 
XX/XX/XXXX : I resent all the previously requested information via XXXX certified mail with return receipt.
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 {$0.00}, {$4000.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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 ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially noticed a new American Express credit card on my credit report which used a different address and birthday in XXXX of XXXX. I disputed it immediately with XXXX but was told to contact American Express. 
I initiated a fraud complaint in XXXX of XXXX  and was informed by a letter from American Express that since the account was being paid then it was not fraudulent. I immediately contacted American Express again and disputed the decision. Again, I was notified by a letter that its not fraudulent since the card is being used. A second American Express card had just opened under my name which I did not apply for in XXXX XXXX. I plan on disbursing the new card as well. American Express somehow continued to refuse canceling the fraudulent account. The reasons they provided did not make any sense. They didnt ask for proof of identity during the dispute or fraud investigation.
Product: Checking or savings account

I received two emails from a source named, " XXXX '' on XX/XX/2017 regarding two " trial periods '' for products ordered in the amounts of {$69.00} and {$79.00} to be deducted from my debit card account. It stated that the order number was XXXX and " XXXX XXXX   will appear on my credit card statement for one charge and XXXX XXXX   XXXX will appear for the other. 

I immediately emailed them back advising them that I did not order or authorize a " trial period '' in the amounts they specified and that this appears to be " fraud '' on their part for these transactions. 

They immediately emailed me back cancelling the " trial periods ''. I contacted my bank and filed a claim to have the monies returned to me. The bank says that I received the two products. I then recalled several months earlier requesting a product and ordering it for around {$24.00} and authorized that payment. I did receive the products, never used them because I never received an acknowledgement by email or mail of the order nor were they charged to my account. 

I return what I received back to where it came from when I discovered that there may be a connection between the transactions. There was not a name on the box I received with the two products. I advised my bank that the products I received ( still don't know where they came from ) were returned unused and they contacted the two organizations who said they had been used.

There are two issues, as I see it. They can not produce a document or an email which states I ordered a " trial period '' and they sent me a " confirmation '' of the order at the prices they deducted from my account. They cancelled the trial period and I sent them back the products unused. My account should be credited back the amount deducted. 

I was curious about the two company 's and who they are. My research reveals one company ( XXXX ) only has one product, called XXXX, a brain-fortifying product and has no connection to the products I received in the mail. The other company, XXXX XXXX is an IT company. So why would they be receiving a separate payment for these products. Something is not making business sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/XXXX XXXX
Product: Checking or savings account

Citizens Bank has been mailng me offers/, promotions to open an account since I moved to my address several years ago. I have no interest in opening an account, mailings need to stop. I did not sign for these mailings, did not provide my address.
Product: Checking or savings account

XX/XX/year>. There were several transactions at a XXXX ATM located at a XXXX in XXXX Florida. Full address as known is XXXXXXXX XXXX XXXX XXXXXXXX XXXX. All transactions were at the same location at the same time on the same date. USAA bank and savings is the bank that I utilize and during this time. USAA bank did not put a stop to these transactions nor did they contact me. The transactions were at the same ATM at this XXXX and appeared to be taken out in {$20.00} increments. Starting with {$100.00}, {$120.00} {$140.00} {$180.00} {$200.00} {$220.00} {$240.00} {$250.00} {$260.00} {$280.00} {$300.00} {$320.00} {$340.00} {$360.00} {$380.00} and {$400.00} totaling approximately {$4000.00}. I have never had any contact at this ATM or this ATM location. From my understanding after contacting USAA I was told that someone called in or made contact with USAA somehow to increase the total amounts of withdrawal ability to {$5000.00}. USAA granted it to this individual. That is when they begin to withdraw all these amounts on the same day which was XX/XX/year>. Once they concluded it appears that they contacted USAA back and stated that they wanted the withdrawal limit set back to what it originally was which I believe was {$400.00}. USAA supposedly is investigating and has investigated it claiming that it was my fault and has recharged me {$4000.00}. From my understanding theres been no contact with this location from USAA nor any footage pulled from the ATM or any collective information that I have mentioned above. I have had several contacts back with USAA trying to resolve this and it is still unresolved at this point. A police report was requested to indicate that it suspicious activity and its not to be me or some sort of that information. I have received spoof phone calls from USAA prior to this which I was able to figure out and not provide information. In my opinion, it is possible that its an internal issue of someone stealing money or providing information to someone. There should be no reason why anybody would be able to access my checking account but me. No one has that information nor do they have passwords Connected to my account whatsoever. I will mention in the past, I have received letters from the department of defense, indicating XXXX XXXX XXXX information has been leaked or stolen from other countries abroad on several occasions. I dont believe that this is in connection, but its very possible that it could be. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

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... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Product: Debt collection

Nothing is owed to XXXX XXXX XXXX Have contacted this collection agency several times and they still continue to send bills. They need to stop.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a police report and FTC Identity theft report the credit bureaus still have violated federal and state consumer protection laws and haven't removed the fraudulent accounts as of yet.
Product: Credit card or prepaid card

Synchrony Bank closed the 7 accounts I had with them in standing. When I inquired they stated there was an issue on my credit report. My credit utilization was 13 % no payments had been missed or late. I have had these cards for years without issue and it now appears I am no longer a good customer. My credit utilization thanks to Synchrony is now at 23 %. I worked very hard to keep my credit in good standing with low utilization. I recently had XXXX  XXXX XXXX done and used care credit for XXXX. This appears to be what triggered this. Please look into this I do plan on sending the letter, when I receive it to my attorney. It appears they want to extend credit but when used they close all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX AUTO  XXXX Balance Owed : {$4200.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance Owed : {$700.00} XXXX XXXX  XXXX  XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/2019 : I received a letter from Discover stating that my account was closed. The reason given was a " business decision. '' I was told that I can not be given anymore information and to write a letter to their headquarters for more information. 

XX/XX/2019 : I wrote a letter to Discover and later in the month, received communication that my letter was received. 

XX/XX/2019 : Received a phone call from the executive office and was again told that it closed due a " business decision. '' Also, I was told that I not allowed to get any more information and that they were the highest department I can complain to. 

Context about me : Never had a late/missed payment, total credit utilization is around 5-7 % on average. I have 4 other credit cards - again no late/missed payments. Credit score is around 750-800, depending on credit bureau. I have a mortgage that has been paid on time each month and equal to about 1yr of salary. I have 1 car payment, which again, has been paid on time each month.