23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that XXXX, Equifax and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX XXXX X/X/16 XXXX XXXX XX/XX/16 XXXX XXXX XX/X/16 * XXXX XXXX  X/XX/16 XXXX X/XX/16 * XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/X/16      XXXX X/XX/16 * XXXX X/X/16 XXXX XXXX X/XX/16  * XXXX * XXXX XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I received notification that i opened up an account with the number XXXX in my name and they lied and said nothing had been opened up when i received emails saying there had been activity.
Product: Checking or savings account

Bank of America has made it very difficult to access funds direct-deposited into my checking account. I recently had to travel across the country to deal with a family death, and wanted to move some funds to a credit union I 've been a member of for decades. That way I could avoid traveling with a large amount of cash, and would have access to the funds at a familiar location at my destination. My first plan was to write a check on my Bank of America account and deposit it to my credit union, in time for it to clear before my arrival. However, BANK OF AMERICA HAS NEVER SENT ME A SET OF CHECKS FOR THIS ACCOUNT. I am perplexed as to how a " checking account '' does not come with checks. Next I looked into transferring funds, but Bank of America charges {$3.00} to transfer funds to another institution. I have never encountered such a fee. As I prepared to leave town, I started to panic that I would not have money when I got there. Finally, going through all my new-account materials, I found one single temporary check that looked fake and unofficial, and used it for lack of other options. Meanwhile, I did n't realize that my wife tried to help me out of the stressful situation by withdrawing from a Bank of America ATM near her office, and deposited the cash into our credit union immediately before I left. Had I known that day, I would have stopped the temporary check, but I did n't know we had duplicated efforts for a day or two. The temporary check bounced and Bank of America assessed a {$35.00} fee for the returned check. When we discovered the problem we immediately made a big deposit into the Bank of America account to cover it and ensure the account is in good status. Then I contacted Bank of America to explain how it occurred, and asked them to waive the fee. The Bank refused, and still has not sent me pre-printed checks for this checking account. Bank of America seems to set its customers up for failure by making it difficult to transact without fees. So I am asking the CFPB 's help. Thank you.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$550.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me.
Product: Credit reporting or other personal consumer reports

I am requesting to have the following information removed from my credit report due to my information being exposed in a data breach and as a result I now a victim of identity theft. I do not have any knowledge of any of the accounts listed below and would like them removed because they were opened fraudulently without my consent. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} I would also like the following hard inquiries removed as well : XXXX XXXX XXXX XXXX XXXX Please remove the above fraudulent accounts and hard inquiries from my credit report immediately and update credit report as well.
Product: Money transfer, virtual currency, or money service

XXXX is a service purported as A fast, easy way to send money to and within the United State, and as PayPal company, assumed to be a way to transfer PayPal funds. 
I can provide my transaction ID on request. 

I have twice contacted the company for support, but have received automated and unsatisfactory responses. The process flow for the transaction is deceptive. As a result, I transferred from credit card to bank instead of from Paypal account to bank, and incurred 1 ) cash advance fee 2 ) cash advance balance with higher interest rate at my Credit Card company. 
I want the transaction to be reversed. 

This is the flow of the process : 1. Landing screen - enter amount to transfer ( XXXX, my entire Paypal balance ) 2. Select Receiving Option ( Bank Deposit ) 3. Enter Routing Number 4. Enter Contact Information 5. Choose a Way to Pay -- this is where the problem is : A. When user enters their full PayPal balance to transfer in step 1, Paypal is not presented as an option to Pay. The user assumes that the ONLY charge is the $ XXXXUS fee, not the full amount being transferred. 
B. When user enters an amount less than their full Paypal balance, specifically the fee amount, PayPal IS presented as an option to Pay, but again only the FEE amount is mentioned. 

The user should be presented with the option to Pay with their available PayPal balance and if necessary, pay fees separately, or to deduct the amount of the fee from the transfer. The XXXX product has an insufficient design which harms customers. 

The attached PDF contains my transaction ID.
Product: Credit card

The original charges of {$90.00} and {$41.00} were charged by XXXX for monitoring. In XX/XX/XXXX I had contacted the XXXX in Arizona to complain about a new security alarm system not working and not being able to make contact for technical service. They have not responded to XXXX. Therefore, XX/XX/XXXX I called the dispute dept. at 53 Bank to register a dispute against XXXX 's monitoring charges of {$90.00} and {$41.00}. Fifth Third Bank issued late payment and interest charges of XXXX against my account on XX/XX/XXXX after I had called disputing the charges. Debits of {$90.00} and {$41.00} were issued on XX/XX/XXXX but the late payment fee and interest remained on my account. I called again concerning the late payment and interest and the dispute dept. told me that they will remain on my account until the issue was resolved and I would either have to pay or they would be removed after the dispute was settled which would take up to 90 days. I asked them why they did n't remove the late payment and interest charges also because I am receiving collection calls on something I am disputing. They told me not to be concerned that my account was documented on the disputes. I am still receiving numerous calls from collection agent on paying this late fee and interest. I told them that I was not paying for any charges that were not justified. I continue to get collection calls and another late payment charge on a balance that was a late payment charge for items in dispute. When I called today they were wanting to switch me back and forth to explain their procedures. My complaint is on their procedure of not removing the late and interest charges until the disputed matter is resolved. To me they are gouging their customers. It took them almost a month to remove the charges from my account and then they want to charge me excessively for late payments.
Product: Money transfer, virtual currency, or money service

I have tried linking my TD bank account with my XXXX account so that I can buy digital currency. However, TD will not let me link my account with them.
Product: Bank account or service

Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me.
Product: Debt collection

Attorney debt collectors are attempting to collect a debt that is not mine and can not furnished how I owe them under the law. I do not have to communicate with them as they have not given me the required original documents of how and why I owe them. The debt is not mine.I am really poor and have no money and a XXXX I do n't have money and I can not pay for a debt that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I was incarcerated for 8 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXX ), Account # XXXX ( XXXX XXXX ),. These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my ChexSystem Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed immediately please and thank you
Product: Mortgage

XXXX XXXX XXXX XXXX - JPMorgan Chase & Co . 
XXXX, Delaware, United States Please identify when you notarized the attach assignment of mortgage and identify the name and position of the XXXX witnesses and identify your location or office where you and the witnesses were when you notarized the document
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to formally request a correction of inaccurate personal information on my credit report, and I wish for it to be updated in compliance with the XXXX XXXX reporting standards. Below is the information that needs to be corrected : **Current Incorrect Information** -Full Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -Address XXXX XXXX XXXX XXXX. XXXX, KY XXXX -Other ( My Employer is not being reported ) **Correct Information** -Full Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, CA XXXX -Employer XXXX XXXX XXXX I have enclosed the following documents to verify my identity and confirm the accurate information : - A copy of my government-issued ID ( e.g., drivers license, passport ) - A copy of a utility bill or bank statement showing my correct address - A copy of my Social Security card Please update the incorrect information on my credit report to reflect these changes as soon as possible. Kindly confirm receipt of this letter and notify me once the requested corrections have been made. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect the investigation and resolution of this matter to occur within 30 days of receipt of this request. Please ensure that the updates are made using the XXXX XXXX format to ensure consistency across all credit reporting systems. 

If you require further information or have any questions, feel free to contact me at the phone number or email listed above. 

Thank you for your attention to this matter. I look forward to your prompt action in correcting the errors. 

Sincerely, XXXX XXXX -- - **Enclosures : ** - Copy of government-issued ID - Proof of address - Social Security card -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) name and have not received a response back or any results
Product: Checking or savings account

I had five accounts at Capital one and apparently all were compromised because of a security breach at the bank. There were XXXX and Western Union transactions done by fraudsters, using my information because of that breach, however when then fraudulent transactions were paid, both Capital and Western Union did not take any responsibility for their lack of security, and claimed that the paid transactions were legitimately done by me. This is not so, since the transactions were paid and sent from XXXX and both of these agencies never contacted me, suspended or blocked the suspicious transactions. They are now claiming I am responsible for any payments they made on my behalf because of the fraud they allowed to be committed on my accounts at Capital One Bank and Western Union Financial Services. 

I previously submitted a complaint to your agency against Western Union, but it was closed without anyone from your agency contacting me to respond to Western Union 's response. I am of the opinion that your agency has taken the side of the company which allowed my account to be hacked and funds paid to fraudsters, over me the consumer which is who your agency should be protecting. 

Sir/Madam, I have been defrauded over XXXX us dollars via fraudulent transactions conducted with my information kept at Capital One Bank and Western Union Financial Services and need to have my money returned. I am totally disappointed with your agencies response to my original complaint against Western Union and would appreciate you taking a second look at my case. 

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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was tried to transfer my phone numbers from XXXX XXXX to XXXX XXXX  who has a deal for people XXXX. 
They send me new phones with new phone numbers, I was unable to use new devices with my previous phone numbers, Phones are locked by XXXX XXXX and they want from me to pay for them when it was promise a label to return the devices. 
Also they said I didn't pay anything, I was charged {$56.00} from my bank account. 
I would like to open a claim for deceptive advertise and abusive practice for asking me to pay for something I didn't use. 
I think they use a deceptive and abusive practice without to provide the services I requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting account XXXX on my credit report which is ruining my way of living, their reporting to my credit as a charge off but I never got an 1099c form which makes the alleged debt taxable income so how is it debt? also their violating my constitutional rights 15 USC 1681b ( 2 ) because I never gave them consent to report anything on my credit which is also fraud and identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I had a hard inquiry removed off my XXXX credit report instead of my credit score going up it went down XXXX points. From XXXX to XXXX I want a real investigation.This is not the first time that happened, the other 2 credit bureaus have done the same with credit reporting. I feel there should be a investigation done of the past two years on all three bureaus before I have to get a lawyer. In past two years I have sent police reports of being a victim of identity theft keep telling me they never received them when I sent them certified mail to be signed. All the credit cards on my reports that's showing negative aren't mines and I need them off my credit report ASAP because I am tired of playing with them. The credit bureaus is designed to keep XXXX XXXX  People at certain score level and I can prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the accounts in the letters attached to this complaint be deleted immediately, along with all hard inquiries, and adjustments to late payments be made in accordance with the instructions in the letter. 

XXXX XXXX SSN : XXXX DOB : XX/XX/86
Product: Bank account or service

I authorized a one time charge to my debit card in XX/XX/2016 to pay for personal training services for a friend. I was charged in XX/XX/XXXX and XX/XX/XXXX for these services. I disputed the charges with my bank. I received a copy of a contract that was signed. At no place did it have my signature because I did not sign or agree to recurring charges. My bank ( Bank of America ) told me that they would only refund one charge but would decide in the business 's favor in the other case. They told me to contact the business, which I did. The business told me they would accept any decision my bank made on these charges and they could not do anything on their end. 
Once again I did not sign anything nor authorize any debits for XX/XX/XXXX and XX/XX/XXXX. Attached is the billing dispute form which does not have my signature anywhere. I also did not authorize these debits.