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

I hope this letter finds you well. I am writing to address an ongoing and pressing issue concerning my credit report. Despite my numerous attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. 

I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity. 

Despite my diligent efforts, these items remain on my credit report, negatively impacting my credit score and financial stability. It is imperative that these fraudulent items be removed promptly to ensure the accuracy of my credit report. 

I am requesting the following actions to rectify this situation : I kindly request that you promptly remove the aforementioned fraudulent items from my credit report. It is crucial that they are deleted as soon as possible to mitigate the harm to my credit score. 

I request that a thorough investigation be conducted into the authenticity of the disputed items. I have provided substantial evidence to support my claims of identity theft, and I urge you to take this matter seriously. 

Please liaise with the relevant creditors to ensure that they are made aware of the fraudulent nature of these accounts and update their records accordingly. 

Upon the successful removal of these fraudulent items, please provide written confirmation of their deletion from my credit report. 

I understand that the process of investigating and resolving such matters may take some time, but I request your assurance that it will be handled diligently and efficiently. Failure to address these fraudulent items can have severe consequences on my financial well-being, and I may have no choice but to pursue legal action if this matter is not resolved satisfactorily. I am asking for your assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

While checking my MACU account online on XX/XX/23 I noticed a fraudulent charge on my debit card for {$340.00} at XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, Utah. I disputed the claim over the phone with the MACU fraud department and froze my account. I then noticed that while we were on the phone a new charge was added for {$120.00} at the XXXX XXXX in XXXX XXXX, Utah. I went in to the XXXX, Utah branch and disputed that claim and received a new debit card. I received provisional funds to replace the money taken in both fraudulent transactions within the next few days. 
On XX/XX/23 I received an email from MACU claim support stating that their investigation had found that the first transaction at XXXX 's was not the result of fraud, that my card had been present at the merchant, and since I had claimed card secure, it must have been me initiating the transaction. They said that they will take back the provisional funds to the amount of {$340.00} from my account on XX/XX/23. On XX/XX/23, I received another email regarding the second charge from the XXXX XXXX and stating that the provisional funds given for that transaction to the amount of {$120.00} would be taken from my account on XX/XX/23. I was clocked in at work on XXXX XXXX  during the time both transactions were initiated, and I was present at the XXXX branch within XXXX minutes after the second transaction showed on my account, so I could not have been present for either transaction. My card was in my possession with me at work and in the bank and could not have been present for either transaction. No one else with access to my account made the purchases either.

I am also frustrated with my treatment by the MACU fraud department. The employee that I spoke with on the phone when I attempted to reopen my disputes did not believe me and treated me as if I was a fraud, a thief, and a liar. They did not give me any information on how I can appeal their denial of my dispute, information to which I am legally entitled, and I was not provided with any documentation of events that cause them to believe my dispute was fraudulent. Two more fraudulent charges for {$300.00} from my XXXX XXXX savings and {$75.00} from my credit card occurred on my online account through fraudulent transfers to other banks on XX/XX/23, which I called the bank to dispute, and my experience with the fraud department was the same. They did not believe my claims that these transactions were fraudulent and they treated me as such. After much back-and-forth trying to prove that I did not initiate those charges, they extended a provisionary credit of {$75.00} for the credit card charge, but have not as of yet extended a credit for the {$300.00} charge. 
I do not believe that Mountain America Credit Union is doing all it can to protect its members and their funds. I believe that it is an unsafe bank, and I believe that it treats its members poorly.
Product: Checking or savings account

I AM FILING A COMPLAINT ON NAVY FEDERAL CREDIT UNION DUE TO MULTIPLE OVERDRAFT FEES INCURRED. DISPITE HAVING SUFFICIENT FUNDS WHILE TRANSACTIONS WERE EXECUTED, I WAS CHARGED OVERDRAFTING FEES IN A GROSS AMOUNT DUE TO THE FACT OF LATE POSTINGS WITH THIS CREDIT UNION. THIS ISSUE ALLIGNS WITH THE CFPB 'S FINDINGS DURING AN INVESTIGATION OF THE CREDIT UNION WHERE SIMILAR PRACTICES FROM THE BANK WERE EXECUTED. THESE PRACTICES ARE BOTH UNJUST AND UNLAWFUL AND I REQUEST AN INVESTIGATION TO MY ACCOUNT TRANSACTIONS.
Product: Debt collection

I have been getting phone calls from people who say they are from Kirkland Financial asking for some one I 've never heard of for over 2 years, ( the amount of time I have owned my phone ). They sometimes call me as often as 2 or 3 times per day. I have told them repeatedly they have the wrong number and to stop calling me. I have asked to speak to a supervisor and told them of their misguided actions and they were rude beyond rude and hung up on me. I have even threatened legal action if they do n't stop. Nothing stops them. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of the XXXX breach and will like to have this accounts remove immediately XXXX XXXX XXXX - Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear Transunion, I have the following information on my credit report that doesnt have permissable purpose according to teh FCRA Fair Credit Reporting Act. Anything furnished on my credit report must have permissable purpose according to 15 USC 1681B. Here ae the following hard inquires : Delete following inquiries due to violation of 15 USC 1681B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted all three Credit Bureaus regarding Navy Federal Credit Union Credit Card for {$15000.00}, now it been sold to XXXX and the Inquiry that are on my report is also not mine XXXX XXXX is giving me the most issue with this and will not help me nor remove this Fraudulent Account After sending them a New Police Report and a Letter showing this is Fraud what they are doing is Illegal. Before all of this I tried to have this fixed with the Credit Union Directly letting them know & showing them Proof that I never opened this account Ive never had a Credit Card with with them what so ever nor had I lived at the address they had for me in Texas EVER, they also refused to give me copys of the Credit Application.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX AMSHER COLLECTION SERV XXXX, AL XXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear Amsher Collection Serv I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX. Please consider this letter a formal request for the following : Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt. 
Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order. 
Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 


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

In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processed on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72 points. In addition I verified that for months XXXX and XXXX of XXXX no payments has been reported as per the installment agreement arranged in XXXX of XXXX that On Time reporting for covid 19 reasons. In addition XXXX of XXXX has no reporting either for reasons I am unaware.. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XXXX of XXXX and they were successful in getting my XXXX XXXX account corrected with XXXX only. The account was corrected with XXXX, however after after 45 days the incorrect information came back. TransUnion has remained unchanged after several attempts to resolve directly with XXXX XXXX.
Product: Credit card

My wife and I purchased XXXX XXXX XXXXXXXX XXXX using Amex Travel and credit card for the first time, so we could recline. This was prepaid a month before we departed. Our return flight on was cancelled XXXX hours before boarding. We were unable to get XXXX XXXX seats on our return which was delayed until the following day, also booked by Amex Travel. We were put into XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates and reservations attached.
Product: Credit reporting or other personal consumer reports

Equifax through XXXX XXXX has dropped my credit score XXXXpoints on one occasion and XXXX on another in the last three months for things that should have positive impacts on my credit score. A company named XXXX has pulled my credit on XX/XX/year> recently and XX/XX/year> and put hard inquiries on my report and XXXX XXXX has no information on them. I blame Equifax for poor reporting.
Product: Money transfers

I authorized my bank to pay {$440.00} to Western Union XXXX WU XXXX on XX/XX/XXXX. WU received the money from my bank on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX from XXXX to WU for {$440.00} ). 
WU cancelled the transaction on the same day and promised to return my money. Today, 7 days later XXXX! ), after daily phone calls, emails, and chats, they are not willing to comply with such basic rule of any banking ( or for that matter business XXXX institution. If WU had any issue they should have contacted me before cancelling ( they did n't even try ) and, in any case, NOT TO TAKE MY MONEY because they were not going to comply with WU 's side. Now that they have it, WU MUST RETURN it with the same celerity that I paid them. Additionally WU should pay for the damages caused by WU 's poor business behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan have been reported on my XXXX, XXXX, and TransUnion files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.
Product: Credit card

There was a charge on my CC for {$1600.00}, when I noticed the charge I immediately called Bank of America informing them I did NOT make the purchase & that I was driving ti my house in Michigan on said date & only stopped at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
Says Transaction date was XX/XX/XXXX at a New/Used Car/Truck dealer online. I confirmed w/ my Husband and he also did NOT make the purchase, prior to calling Bank of America . We have 3 OLD Cars w/ no car notes. I have a XXXX XXXX XXXX Original owner & my Husband has a XXXX & XXXX ( unsure of his purchase dates off hand, but was NOT this year! ). 
When I looked up the website claiming I made the purchase it looks fake, barely anything on the site, I emailed them with NO RESPONSE, no other way to contact them other than their site that says so, but only through there and doesnt provide the email to me. No phone number. When I looked up the address ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which I have NEVER been to in my LIFE! ) affiliated with the purchase it is a Residential area. I have absolutely NO IDEA what the purchase even was, because it wasnt me or my Husband. Where were the goods delivered they claim I bought? I only have my XXXX in XXXX XXXX  that has a XXXX  doorbell camera & my XXXX  in XXXX XXXX area that has a Package room. I told BOA this and they made a claim. As of this Friday they put it back on my CC claiming the merchant claims it was me. I am LIVID & requested they reopen, which they did Claim # XXXX I made an appointment tomorrow to go into the branch in person. This purchase was not me & Im willing to pursue charges on this merchant, as well as BOA if they do not rectify this situation. I have absolutely no reason to lie.

The customer service representative stated Based on my purchase history they arrived at the conclusion it was me. WHAT?!

Thats exactly what I said LOOK AT MY PURCHASE HISTORY! I buy for my current Homes & Cars, THATS IT! If/when I get another car it will be NEW & NOT USED! I do not understand how they can claim I made a purchase I do NOT have the goods for. So NOW he said theyll send me the merchants claim-proof, which I will then go file a police report. I have no idea who these people are, what the website does exactly, what theyre claiming I bought for {$1600.00}! But I will fight this until the end. PLEASE HELP ME!
Product: Student loan

Subject : Formal Complaint Regarding Incorrect Interest Charges During Administrative Forbearance I am writing to formally file a complaint regarding the {$9100.00} in interest charges applied to my account during the administrative forbearance period, which lasted until XX/XX/XXXX. The details of this matter are as follows : Application Submission and Delays : - On XX/XX/XXXX, I applied for the IDR SAVE plan and received a notification that I would hear back from MOHELA within four weeks ( See Image 1 ). 
- On XX/XX/XXXX, MOHELA informed me that there was a delay in processing my application ( See Image 2 ). 
- On XX/XX/XXXX, I was placed on administrative forbearance again ( See Image 3 ). 
Interest Charges : - Around XX/XX/XXXX, I noticed that a substantial amount of interest ( {$9100.00} ) had been charged to my account ( See Image 4 ).

- Upon contacting MOHELA, two representatives assured me that the interest charges would be adjusted to reflect the original application submission date in XX/XX/XXXX, once my application was done processing and my first payment was made. 
o Note : My original amount was the same as it was since XX/XX/XXXX, during the student loan payment pause due to the pandemic. 
Follow-Up and Miscommunication : - Around early XX/XX/XXXX, I followed up on my application status. A MOHELA representative informed me that my application had been lost in translation and that the delay was due to an internal error, despite me providing all the correct information. 
- On XX/XX/XXXX, I was placed in administrative forbearance again ( See Image 5 ), and my IDR application was finally approved on XX/XX/XXXX ( See Image 6 ). 
- I asked about my interest charges during administrative forbearance. A representative informed me to follow up once my first payment was made. 
Continued Issues : - In XX/XX/XXXX, after making my first payment, I followed up on the interest charges. Despite explaining my situation and the error on MOHELA 's part, which MOHELA confirmed and acknowledged was their fault, I was told that nothing could be done to refund the charged interest, and I was offered only an apology. 
Given these circumstances, it is evident that the interest charges incurred during the administrative forbearance period resulted from MOHELA 's processing errors and delays. As a result, I am formally requesting the following actions : - Immediate adjustment of the {$9100.00} in interest charges to reflect the original amount, which the original amount remained constant since XX/XX/XXXX. 
- A thorough investigation into the processing delays and communication issues to prevent such occurrences in the future. 
- A written confirmation of the actions MOHELA taken to resolve this issue believe it is both unfair and unreasonable for me to bear the financial burden of interest charges caused by errors on MOHELA 's part. I trust that this matter will be handled promptly and professionally. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
Kindly, XXXX XXXX
Product: Student loan

i received 2 receipts of disbursments sent out on XX/XX/XXXX but never received the checks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX 1921, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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
Product: Mortgage

On XX/XX/year> i received an email that my password has been changed, after researching, it was changed on XX/XX/year>, yet i was notified a week later. I immediately called SPS and was notified that XXXX XXXX is the executor of the XXXX XXXX XXXX XXXX. No she is not, she's a tenant in our home that we are preparing to sale. I have sent SPS the attached document MULTIPLE TIMES, I have proven my legal connection with the property, yet they are allowing someone else to manage it. 

In XX/XX/year> i spoke to a manager ( XXXX XXXX ) and he told me if i have any other issues, don't hesitate to call and leave a message for him with customer service and he would return my call. One Customer Service rep stated they don't know him and can't take the message. The 2nd rep stated he wasn't in and she can't take a message. She's changing passwords and managing an account that she has NO LEGAL Jurisdiction over. 

I need help immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following creditors have violated my rights. Under code 15 USC 1681 ( a ) ( 4 ) The following creditors violated my privacy rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the account to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I pay easy money {$230.00} and I have my bank statement showing that it was paid twice they send it to a debt collector is called Plaza service and
Product: Debt collection

I opened a credit card account with Capital One and they sold it to another company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX never contacted me and never sent me a certified letter saying that they were going to take me to court. They went to court, where I was not notified again, and sent out a judgement against me to garnish 25 % of my check each pay period for the amount of XXXX. On XX/XX/2019 I tried to resolve it with Capital One and XXXX XXXX XXXX and was told, by XXXX XXXX of XXXX XXXX, that my only two options were that I had to either pay it all in full or they were still going to garnish my checks. I feel like we could have came to an agreement of how I was going to pay off this balance only if someone would have contacted me. 

XXXX XXXX- ( XXXX ) XXXX XXXX