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

XXXX - XXXXRe : Cease and Desist Notification Dear Transworld Systems Inc This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law.

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.
Product: Consumer Loan

I paid off my loan in full and they are reporting I still ow the full amount to XXXX. I filed a complaint with XXXX but the company is not responding and delaying the resolution meanwhile lowering my credit score, which they in turn used to deny me a new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company called me in regards to my bill I paid it with two different accounts and they processed the payment slower than normal which then put a delinquent notice on my account which was incorrect, my credit score has dropped dramatically because I have never been late with any of my bills and yet now Im having a difficult time trying to rebuild my credit because of their mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens One bank filed a late payment on my credit report due to missing a payment. I had paid every month and paid the amount due on the website where you need to pay. Then they told us we missed a month and hit my credit score for 75 points. This is the only late payment I've had. I called with them and they reported I still had a balance, which I then paid. But the website still showed as owing XXXX dollars. I disputed the information due to their website not giving a correct total due, but was told that because they see a balance, I couldn't get anything done. So, I disputed it with all 3 major credit reporting agencies, and lost at experian with an additional late payment showing. Once again, checking the balance due at the only place to pay, shows only the normal amount due. Which I just now paid. I need these taken off my credit report ASAP because of an issue technically that has nothing to do with me.
Product: Debt collection

A company called " Portfolio Recovery Associates '' keeps calling my cellphone at all hours of day using harassing language with regard to some " debt '' they allege I owe. I am aware of no such debts. I have on 3 occassions verbally informed them to stop calling my cellphone XXXX and to send in writing whatever the nature of their allegation is but they keep calling at all hours well into the night and on weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation. 
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor
Product: Credit reporting or other personal consumer reports

Credit Karma reported outdated information from 2020 from a creditor. I also contacted the creditor and was told they do Not report to Credit Karma and that I should contact the 3 credit bureaus. They Also reported that the account was open and it was closed. I was told directly by the creditor.
Product: Money transfer, virtual currency, or money service

My son sent me money he owed me. Paypal received the money but they would not release it to me ( deposit in my bank account of record ). I pestered them about it and they sent me an email saying I had to send them my DL, copy of tax return and bank statement. I stupidly did so, and then I get an email saying I broke their term of usage and could not use their service. I tried to close my account because I did not want them having my banking information anymore and I can't close my account. They say there is a problem with my account ( that they cancelled )! I have tried dozens of times to contact their customer service and all I get are robotic replies. I just want to close my account.!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified TRANSUNION by certified mail of the following accounts : 1. XXXX ACCT # XXXX 2. XXXX XXXX XXXX ACCT # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of the consumer reports in general - subject to the subsection of ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is public information and TRANSUNION has been negligent and continues to commit civil violations against me. TRANSUNION has been furnishing these accounts on my consumer report without having my DIRECT consent! This is completely identity theft! They continue to provide me with investigation results stating the account has been verified as accurate - but fail to provide any adequate documentary evidence of having my direct consent. I have called their customer line and fraud department on several occasions and they refuse to assist me with my issue. They state they have not received anything from me or they received insufficient information from me. I demand they be held accountable for their violations and demand monetary compensation! I demand that TRANSUNION delete these accounts immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$610.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. 
M & T BANK XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or M & T BANK customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. 
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received a call from a man who said he was Kay Jewlers but refused to give his name. He told me I had 2 hours to come up with {$75.00} or they would take legal action. They are repeatedly calling me all hours of the day from different numbers, calling my work repeatedly after being told I can not receive personal calls at work.
Product: Debt collection

My name My name is XXXX XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with XXXX in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that Midland Funding LLC ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

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

I was an victim of this data breach delete this account immediately
Product: Credit card

Subject : Complaint Against US Bank Credit Card Dispute Process Details of the Complaint : I am filing this complaint against US Bank for their mishandling of my dispute regarding a fraudulent transaction involving a purchase from XXXX. Despite providing a police report and detailed evidence about the fraudulent nature of the transaction, US Bank failed to take appropriate action to assist me in resolving the issue. Here are the key points of my complaint : Failure to Request Evidence from the Merchant ( XXXX ) : US Bank did not make any effort to request proof or documentation from XXXX to validate or dispute my claim. This lack of action demonstrates a failure in the due diligence process. 

Excessive and Unreasonable Delays : The dispute process was unnecessarily delayed because US Bank required me to submit a handwritten application, which I had to mail, and additional paperwork, which I was required to fax. After complying with these requests, US Bank claimed they never received my faxed documents, further stalling the resolution.

Inadequate Communication and Support : Throughout the dispute process, US Bank failed to provide clear guidance or effective communication. I was left to handle the situation largely on my own, with minimal support or updates from their side.

Impact on My Financial Situation : This lack of action and support has caused significant stress and financial inconvenience, as the disputed transaction involves a considerable amount of money. 

Attached to this complaint are copies of the police report and any supporting documents I have submitted to US Bank, which further substantiate my claims. I am seeking the CFPBs assistance to investigate US Banks handling of this matter and to ensure they are held accountable for their lack of action and improper handling of the dispute process. 

Thank you for your attention to this matter.
Product: Bank account or service

Hello. 
In XXXX of 2015 my business checking account was hacked while I was on a business trip in New York. Someone tried to withdraw money in the amount of {$1000.00} and then {$500.00} from my account. I contacted Wells Fargo about this so they issued me a new debit card and checking account number. After this incident, on XXXX separate occasions my checking account was locked and I was unable to access my account online. Each time I had to call Wells Fargo 's customer service to have my account unlocked so that I could access it and view my account online. This occurred again earlier this year and again I had to call Wells Fargo 's customer service to have my account unlocked. 
I was told that the account was locked/frozen due to suspicious activity. However, no one could explain to me why this was happening and why it was happening so frequently. 

In addition, each time that I called, Wells Fargo representatives pushed getting me into new products. Each person pushed a different product but did not fully explain the costs associated with the products. I was told that opening a particular business savings and checking account that moved money between the XXXX accounts each month would prevent me from having to pay the $ XXXX monthly checking fee. This only lasted a few months and then the {$14.00} fee was being taken out of my account again. When I initially opened my Wells Fargo account in XXXX, the representative who opened my account opened it with the " wrong '' account number which caused some problems. I still have the paperwork from the account was opened with a different account number. 

Since the scandal with Wells Fargo came out last week, I now believe fully that my account was XXXX of the accounts that was affected because of several occassions, {$35.00} fees have hit my account causing checks to not clear and ACH debits not to go through which caused additional fees.
Product: Credit card or prepaid card

My debit card was hacked on Monday XX/XX/XXXX after receiving a Direct Deposit of my student loan refund. 

Received a text from American Express Serve asking if I had tried to make a purchase for over {$500.00} at a XXXX 's in Florida. I responded no. ( I live in Maryland ) Called American Express Serve no less than 4 times to have card locked. Card was never locked. 

XXXX more purchases near that same amount occurred in rapid succession. 

Serve finally closed my account that afternoon but after the loss of {$2000.00}. 

Asked me questions as if I had made the purchases. Promised an email that I had to return within 10 days or no provisional credit. 

Have yet to send email to me. 

Credited the four {$500.00} purchases on XX/XX/XXXX but still deducted {$2000.00} from my account. I have 4 refunds but they have not credited my account. How does that happen? 

Called them and was disconnected on purpose when no one could answer my questions. I am supposed to call back tomorrow. Explained to them that the money is my student loan, it is federal money, and I will owe interest on that money. They needed to fix this. They hung up. 

I have a Police Report Number XXXX taken by Officer XXXX badge number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX I SUBMITTED DISPUTES TO EQUIFAX TO AMEND THE CREDIT REPORT INFORMATION FOR 4 ACCOUNTS XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) AS OF LAST COMPLAINT I FILED WITH YOUR COMPANY THEY ADVISED THEY NEEDED ME TO FILE DISPUTES WHICH I HAD ALREADY COMPLETED SO I RE-FILED THE DISPUTES AND AM REFILING THE COMPLAINT WITH YOUR AGENCY IN HOPES THE CORRECTIONS WILL BE MADE. THE OTHER TO CREDIT AGENCIES HAVE AMENDED THEIR FILES, XXXX AND XXXX. 

Date Major Delinquency First Reported SHOWS AND I WAS NEVER DELINQUENT ON A PAYMENT, PER CHAPTER XXXX BK, I WAS NEVER LATE ON A PAYMENT AND ATTORNEY ADVISED ME TO HAVE THIS DEROGATORY REMARK REMOVED. 
PLEASE DO SO IMMEDIATELY. :
Product: Mortgage

XXXX ) Illegal and Unlawful Home Sale while XXXX is under Federal Bankruptcy Protection XXXX ) Illegal and Unlawful Notices place on XXXX where Agent committed Trespass and Fraud XXXX ) Corporations, Agents and Attorneys are lying, misrepresenting themselves, and committing XXXX crimes XXXX ) Corporations, Agents and Attorneys are threatening me.
Product: Credit reporting or other personal consumer reports

I want these accounts removed from my reports at the XXXX credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a breaking into the apartment and there were multiple items that were stolen electronics such XXXX XXXX  bag I watch XXXX, clothes, jewelry, backpack, watches over {$6000.00} in value. I have a police report and an amended police report, USAA has failed to finalize my claim. They have been misleaded me, been deceptive and unfair. 
I feel that I been discriminated due to either my name and I also feel like I been treated like a criminal by USAA, they have taken XXXX recorded statements and they have everything they have asked for. I spoke to supervisor XXXX and he was Not helpful. I have left several voice mails in 1 day, emailed and message thru the app how ever the underwriter is being negligent with my name and giving me a hard time to pay it out as this a legit claim, this has caused me personal stressed, I Am frustrated and just want this claim to be finalized. It has also taken a toll on me financially. USAA has misleaded me and havent been transparent with me. I have been a member for 8 years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below Creditor Date of Inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX Factual XXXX XX/XX/XXXX XXXX, XXXX, Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, 2022 XXXX am I received an email from XXXX XXXX stating " Identity Verification Transaction Detected by XXXX XXXX  ''. I called them that afternoon and a case was opened to get information regarding the detection. I was told the " Alerts and Restoration '' was busy and should return my phone call by XXXX XX/XX/2022. On XXXX  XXXX XXXX, 2022 XXXX am I received an email stating " XXXX XXXX XXXX Membership Is Cancelled ''. I called them at approximately XXXX and was told there wasn't anything they could do regarding my case because the membership was cancelled and they had no access to any information even though the case was opened prior to cancellation. I didn't receive any information regarding the identity transaction.
Product: Checking or savings account

2020 I notice my account was XXXX. I didnt know why money was taken. Ive called servers times trying to resolve this issue but sadly, no help. I then decided to bank with another banking company.
Product: Debt collection

I have disputed this collection company with XXXX, XXXX  and XXXX  that this company is fraudulent reporting this collection account to my credit report. I sent the documents to XXXX  that I asked for this company to verify the debt and documents given did NOT validate that I EVER had ANY ACCOUNT with this company but with another company. I need for this to be immediately removed for all of the credit bureaus listed above
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX