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

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX Av XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Product: Credit card

I received an email that my application was received and they would be in touch shortly but I never applied for a card. I also had an email my credit score had been checked by them. The company was Capital One. I called to report the fraud and they canceled the pending application.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Debt collection

XXXX ( XXXX ) Account XXXX Originally XXXX XXXX XXXX XXXX XXXX  The above collections agency keeps texting indicating that they need contact information for me and calling my family members when they have already talked to me. They have called at least three of my family members providing my personal business information and indicating that I would be sued. This is embarrassing and unnecessary when the company has already made contact with me directly. At this time, I am requesting that all contact cease regarding the alleged debt. I do not want to be contacted nor do I want my family members contacted again. I was told by XXXX XXXX that no one can stop them from calling and the calls will continue after I requested that me or my family members not be contacted.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Paypal temporarily limited my account and asking to upload ID, I uploaded the requested Photo ID on XX/XX/XXXX, but seconds after upload, I received email from paypal that my account is permanently limited and I cant no longer use paypal. so what is wrong? It didnt even go for review of documents submitted. it is so frustrating working with them.
Product: Student loan

The Federal Rights and Privacy Act is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any private elementary, secondary or post-secondary school. 20 USC 1232G. 
I have learned that, according to the ( FCRA ) 15 USC 1681 SEC 602 as it states, '' There is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' i am aware that XXXX and XXXX are consumer reporting agencies, I am the consumer. I hold the right to make sure that my private information isn't shared which is supported by 15 USC 6801 Stating " It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non public information. '' 15 USC 1681 section 604 a sec 2 states " In general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer which it relates. '' The financial institution and the consumer reporting agencies XXXX and XXXX, do not have my permission to furnish this info and definitely don't have my written consent. 
All consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states " A financial institution may not disclose non public or personal information to a nonaffiliated third party, unless the consumer is given an explanation on how the consumer can exercise that non disclosure option. '' Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option. 15 USC 1681C ( a ) ( 5 ) States " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items or information other than convictions of crimes which antedates the report by more than 7 years '' which means this account is an adverse item they are reporting again without my permission which is against the law. 
15 U.S. Code S 1681e States " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishings of consumer reports to the purposes listed in 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 
12 CFR S 1016.7 States " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXXl. Also its preventing me from buying my home. The accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  is fraudulent including the address are incorrect
Product: Vehicle loan or lease

Dear, Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding my interactions with United Consumer Finance Inc. As a consumer who has been diligently managing financial challenges throughout XXXX, I find myself in a distressing situation with the aforementioned company. 

Despite my continuous efforts to meet payment obligations, I regrettably fell behind on payments, resulting in my account reaching a repo status with a current outstanding balance of {$1000.00}, as of XX/XX/XXXX. I acknowledge my responsibility in this matter and have recently secured a full-time job, aiming to rectify my financial standing. 

My attempt to engage in a negotiation process with United Consumer Finance Inc has been met with considerable difficulty, particularly when dealing with the repo department. Unfortunately, the individual handling my case has displayed a disconcerting lack of willingness to cooperate and explore viable solutions. It is disheartening to experience such a rigid approach, especially considering the precedent set by other financial institutions that extend support to customers facing financial hardships. 

I am reaching out to your esteemed organization with a genuine plea for assistance. I am eager to negotiate a reasonable payment plan or explore potential avenues for refinancing to settle my outstanding balance promptly. I believe that a cooperative and understanding approach would be beneficial to both parties involved.

I kindly request your prompt intervention to facilitate a resolution with United Consumer Finance Inc. Your assistance in this matter would not only provide much-needed relief but also restore my confidence in fair and ethical financial practices. 

Thank you for your attention to this matter, and I trust that your intervention will contribute to a positive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

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

Up reviewing my credit report i discovered several unauthorized hard inquiries that i do not reconignize. i contacted the credit bureaus to dispute these hard inquiries and requested their removal .unfortunately, the credit bureaus refused to remove them off my report. this issue is causing undue stress and is negatively affecting my financial standing.
Product: Credit card

I initiated a payment of my American Express Blue for Business Card.

Amex, without my permission or initiation, draft two payments of exactly the same amount right behind each other on the same day. It was clearly an error in their payment processing system. They also show no logic checks to prevent that from happening. I called to get a remedy. I have to fight for them to return the second, unapproved payment. They never did tell me why they initiated a second unapproved payment. They never would have corrected this without my complaint. 
Initiating a financial transaction without a customer approval is clearly illegal and can lead to overdraft exposures and fees and other problems. 

Please make Amex fix its broken payment processing system
Product: Debt collection

NEVER HAD A LEGAL OBLIGATION OR APPLY FOR A LINE OF CREDIT WITH THIS COMPANY.
Product: Debt collection

XXXX sent a charge to a debt collections agency instead of contacting me directly. 

I attempted to pay my last XXXX bill after I rolled my phone number back to my parents ' family plan in XX/XX/XXXX. However, there was no charge listed on my account, which I checked online in late XX/XX/XXXX. However, T-Mobile still listed me as missing my last month 's worth of service and charged me, unbeknownst to me. They sent my account to a collections agency a few months later. 

XXXX never notified me of the charge. They said they sent it to my old address, which was my work address. My work forwarded all mail to me. XXXX said they called me. XXXX on the XXXX executive team said that XXXX had called me and left voicemails. I checked the date range where she said XXXX had called, and there were no voicemails from any XXXX numbers ( which XXXX said XXXX would have used to call me ). So there was no notice on my online account, no notice through phone calls, and no notice through written mail.
Product: Checking or savings account

I tried to fix it they charge overdraft fees for everyday once i payed it up they closed my account without warning
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a XXXX XXXX Hard Inquiry on my Credit File that I did not apply for, approve, nor did I authorize this inquiry to be applied for in my name. Please delete thisi nquiry off of my Credit File. I have two police reports filed and sent to each Credit Bureau showing my Identity theft.
Product: Prepaid card

I received an Amex Gift Card ending in XXXX and activated the card via amexgiftcard.comXXXX. The card originally had {$250.00} to it. I have tried to add the card on XXXX as form of payment and it got declined. I have tried to buy a tool on XXXX XXXX with the card and it got declined. I have even tried to purchase a XXXX XXXX gift card with the intent of buying a tool on XXXX XXXX, and this was also declined. Amex was unable to assist to fix this issue and has suggested me to shop at a different vendor Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX was being brought out by Home Point Financials. On XX/XX/XXXX, I called Home Point Financials to see why the money was still in my account {$1700.00}. I was told it takes 2-3 business days before it will be removed. On XX/XX/XXXX, I called Home Point Financials again because the money was still in my account. On XX/XX/XXXX, The money of {$1700.00} is taken from my bank account. Next I receive a letter that I three months behind -- default on my loan (XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXX ), Next I check my credit report and it states I am late XX/XX/XXXX and XX/XX/XXXX on my Mortgage all three credit bureau. XX/XX/XXXX was not even due and it is reporting late on all three credit reports I write a letter to Home Point Financials to complain and asked that incorrect reporting is removed from all 3 credit bureau -- three time. Twice they said no.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I sent letters indicating all updated personal information after name change. With all appropriate documentation. 

No response or reflection ever appeared on my reports. Fast forward to today, XXXX months after my XXXX  has been discharge my credit score dropped XXXX points to pre-discharge range ; after it had been slowing increasing for over two months. 

I have no open accounts, no new credit, no payments to miss or be late. But I did in the last month secure a co-signer which would have enabled me to get out of being homeless and now I have been returned to a pre-discharge state. 

These action happen to more than just me, in a plethora of varieties and these agencies lord over the futures of hardworking individuals and dictate the livelihood of millions of consumers and citizens with no recourse or responsibility for their actions. 

# stopthem
Product: Checking or savings account

I used a 3rd party app to get a hotel room for {$130.00}. Turns out the hotel had no power so they refunded the money. Well bank of america took my money and won't put it back in my account. Their claims department won't give me answers and I get the run around. I spent 3 hrs on the phone yesterday and still got nowhere. Money was stolen from my own bank .they are doing it to everyone .they have to be stopped.
Product: Debt collection

A company named AFFIRM, based in XXXX XXXX XXXX sent me an email saying that a debt for {$320.00} was charged off for account number XXXX. They say it is delinquent over 120 days and today received notifications from credit agencies that they have hit my credit, which was perfect before now. I am very angry that they are doing this and they will not fix it. 
Several months ago I tried to have my resume updated and contacted a company to do this, sent all of my information and since I was worried about fraud, didn't want to give my credit card info so I clicked the link to pay with AFFIRM. I never received a resume, never was able to get them to follow through with anything, so I sent a msg on the site to just forget it as I had someone else do one for me after waiting for over a month. The company said " no refunds '' " you can save it for another time ''. I argued the fact that they never gave me one now, so why would I think that they would later, AND the fact they didn't earn the money, send it back to AFFIRM. No response ... .... 
I called and disputed with AFFIRM, who contacted the company and came back saying that same thing, save it for the future, but I said no, cancel whatever was done and get your money back. Plus I asked why they were paid before services rendered, to which they gave no clear answer. They put in a dispute, never got back to me so when I looked online, dispute showed closed. This has led me to believe this was handled and " closed '' so I never looked back. They only take your phone number and name, no social security number or credit check is ever authorized, yet they now damaged my otherwise perfect credit as a way to strong arm me for money I do not owe them money and they are terrible crooks with many other complaints like this I have found. Can you please help me resolve this?? 
Please let me know if you need any other information. 
Thank you, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Bank account or service

On XXXX/XXXX/16 about XXXX XXXX I went into Bank of America on XXXX XXXX XXXX XXXX XXXX, MD, XXXX to use the ATM machine and there were people ahead of me trying to use the ATM. A BOA employee of that branch walked pass us and walked into the banking area without speaking. After 20 minutes of waiting in line I was next to use the machine only to find out it was not working. I then began to knock on the main door of the bank to let the employees know inside the bank ( bank tellers were preparing for their day ) the ATM was not working and ignored me. I began to knock again and they all looked at me and turned their backs. The manager of the bank- a XXXX man came over to and started yelling at me through the glass door stating " we do n't maintain the ATM machines ''. '' I am only in charge of the inside of the bank ''. He was so nasty, rude and vile for no reason. He also began using hand gestures telling to leave and go to another BOA further up the street. 
I have been with this bank since I was XXXX years old and to be treated like this after all these years. There is no customer service or hospitality Just rude and nasty people. Good customer service starts with upper management and if he does not have any I doubt other workers will. They were just as bad and disrespectful as he was. 
A simple out of order sign would have solved the problem of multiple customers trying to use the ATM and figuring out it was not working. I got to work late because of this. 
I would recommend BOA to better train their employees on how to provide excellent customer service or hire new workers who actually want to work there.