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

XXXX XXXX # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I demand XXXX XXXX -XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. XXXX XXXXXXXX  needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$540000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$58000.00}
Product: Credit card or prepaid card

I was given a charge card by XXXX Visa Comenity Bank in XX/XX/XXXX. 

My payments were always on time. 

I had a credit limit of {$2500.00}. My balance was {$95.00} when I received a letter from Comenity dated XX/XX/XXXX saying that I was able to use my card until XX/XX/XXXX and at that time my card would be closed. The letter stated that other accounts including my own would close on XX/XX/XXXX. 

I only had my credit card for approximately six months when Comenity closed my account. 

I feel that Comenity was unjustified in closing my credit card. I feel I should not have been charged the high interest rate from 19.24 % to 18.49 % once the card was closed.

Had I have known that Comenity would have only allowed me to use my card for six months I would have gone with another credit card company.

The hard inquiry when I filled the Comenity credit card application resulted in a negative affect on my credit score. In addition, my credit score was further negatively affected once Comenity closed my account all through no fault of my own. Furthermore, since I had no credit card once Comenity closed my account, I had to apply for another credit card and again this hard inquiry once more affected my credit score.

This action on behalf of Comenity was unfair to consumers.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AMEX XXXX
Product: Money transfer, virtual currency, or money service

I deposit {$170.00} cash into a U.S. Bank to fill an XXXX Checking account. The machine prints out a ticket instead stating " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contac ... ''. <P/>So I contact, the woman from U.S. Customer service totally denies responsibility on the machines, and tells me to call my bank. <P/>I call XXXX, and they say, nothing we can do, call the ATM Bank. <P/>This is where I am right now. <P/>The exchanges above and their quickness to throw blame to the next one over was literally that quick. First things they said. <P/>I am complaining, because, at least one entity in this charade should care to return that money to me. <P/>I have the ticket. The code on the top right is XXXX The number to call is XXXX. <P/>Thanks so much. I hope to get this money back. XXXX
Product: Mortgage

This complain is against U.S. Bank Mortgage Home Mortgage, XXXX Minnesota office. 

I provided financial information to the Bank as requested, in order to start the processing of my mortgage loan application. The Bank then filled out the Uniform Residential Loan Application ( XXXX XXXX Form XXXX ) and returned the form to me for my signature. The Uniform Residential Loan Application as filled out by the Bank misstated significantly my financial condition. I was instructed, nonetheless, to sign it, even thought the line above the signature box stated : '' I/We fully understand that it is a Federal crime punishable by fine or imprisonment or both to knowingly make any false statements concerning any of the above facts [ my financial condition ]. ... '' While I questioned U.S. Bank, as instructed, I did sign the incomplete Uniform Residential Loan Application. However, I remained concerned with U.S. Bank 's actions. Therefore, I drafted a properly completed Uniform Residential Loan Application and provided it to the Bank. Thereafter, for reasons unexplained to me, the Bank purposefully burdened the application process with requests for documentation that were not timely in relationship to my expected closing and were unreasonable in number and in the nature of the information being sought. 
Several days before the closing when the Bank was still asking for documents and would not commit to fund the loan, I sought financing elsewhere. I believe the Bank purposefully burdened the entire process on account of my insistence that the Uniform Residential Mortgage Application be truthful. 
I feel that U.S. Bank 's actions in insisting that a mortgage applicant sign a document that is not correct and that might subject that person to prosecution for a crime to be wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXXXXXX 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 AXXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 9 years, my credit profile has been consistently targeted by hackers who have used my personal information to fraudulently obtain car loans, credit cards, and other loans without my consent. Despite reaching out to the companies involved, I have not received any positive results. This constant breach of my personal information has caused significant hardship for me and has negatively impacted my credit score. Therefore, I am requesting that all creditors remove any negative information from my credit report that was the result of these fraudulent activities. I would greatly appreciate your help in resolving this ongoing issue.
Product: Vehicle loan or lease

I'm concerned about the interest rate being very high being that my credit score was over XXXX and I actually leased the car from XXXX and it looks like at the end of the current loan I will have paid Acura {$44000.00} dollars. Is this legal? 

Thank you XXXX XXXX
Product: Debt collection

On XX/XX/2018 Chase Bank N.A . sent me a letter notifying the closure of my Brokerage Account ending ... XXXX. I never received the letter in my mailing address. By sheer luck I got word of this and on XX/XX/XXXX. I called XXXX XXXX XXXX ( XXXX ) in order to request by email a copy of the original letter ( which basically said that my account was going to be closed by XX/XX/XXXX. and that I had to call the XXXX number to get further instructions ) and obtain the proper closing and transfer instructions of my money. I requested the XXXX operator XXXX XXXX to send me the same oral instructions she was giving me over the phone by email, which she did. 

One step of such written instructions in XXXX XXXX 's email required to have my signature notarized at the local XXXX XXXX ( I do not live in the XXXX ) which I did, at a cost of {$50.00}. I then sent Chase by Secure Mail the transfer order with the notarized signature and the required attachments. 

On XX/XX/XXXX. I received a call from XXXX, operator XXXX XXXX, to let me know that all they needed was my oral instruction ( over the phone ) to transfer the balance of my investment account to my Chase linked account from which I could then set up the external transfer using my Online banking service. XXXX XXXX notified me that no notarized signature was required and that the previous operator made a mistake. 

On XX/XX/XXXX. I sent an email to XXXX claiming the refund of the {$50.00} I paid for a useless notarization. The email was sent to operator XXXX XXXX ( remember she gave me the wrong written information ) and to the Executive Director who signed the XX/XX/XXXX. letter., XXXX XXXX . 

On XX/XX/XXXX. I received an email from XXXX XXXX stating that Chase only refunds fees charged by Chase. The Executive Director did not even acknowledge receipt of my several mails. An email I sent on XX/XX/XXXX. was replied on XX/XX/XXXX. saying that my complaint was escalated to the Executive Team of XXXX XXXX XXXX. 

I sent three email reminders since XX/XX/XXXX. with no reply up to this day, XX/XX/XXXX. 

This recap is fully verifiable through the email string kept in my files and attached below. 

It is distressing and frustrating that Chase deny me a {$50.00} refund, if the bank seriously overviewed the chain of events they will determine that they are 100 % at fault. Chase must assume full responsibility and execute the refund to my checking account ending ... XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lived an a apartment from XX/XX/XXXX-XX/XX/XXXX. I gave the apartment manger one month notice I was moving out and paid last months rent. She came after me and out my account in collections. The lease she has submitted is dated for XXXX, but my signatures are from XXXX. She has 4-5 different cleaning charges with no picture proof of why I was charged several different times, which needs to be submitted for these to be accurate. They have tried to collect over 7k from me and all my credit agency 's but XXXX have removed it because the documents do not make sense. I have tried to talk to company and they have literally screamed and cursed at me. They used to call me all day every day until I told them harassment would not be tolerated. I have asked them to take me to court and they will not because the documents they have are falsified. I contacted the old property manager and she is in jail for attempting murder on her boyfriend. I need this situation looked into, as it is effecting my rental ability for charges that are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - REPORTING INCORRECT INFORMATION ACCOUNT NUMBER XXXX DATE OPENED- TRANSUNION XXXX XXXX XXXX XXXX OF LAST ACTIVE -TRANSUNION-XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing this letter to submit a complaint regarding the permanent limitation placed on my PayPal account XXXX. I believe that this limitation has been placed on my account due to a mistake, and I would like to appeal this decision. 

I would like to emphasize that I have not violated any PayPal policies, and I have always conducted my transactions in accordance with PayPal 's terms and conditions. Therefore, I respectfully request PayPal to re-investigate my case and restore my account if possible. 

I understand that PayPal takes its policies very seriously and enforces them strictly to ensure the safety and security of its customers. However, I am confident that upon further review, it will be clear that I have not engaged in any activity that violates PayPal 's policies. 

I have been a loyal PayPal customer for many years and have always appreciated the convenience and security that PayPal provides. Therefore, I would be grateful if you could kindly reconsider the permanent limitation on my account and allow me to continue using PayPal 's services. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I am currently in review for a modification again with Wells Fargo Home Mortgage. I have submitted XXXX prior applications and have been wrongfully denied for reasons that are false and fraudulent. I have been induced to default, relying on the instructions of the bank to assist me in refinancing or modifying my high int rate mortgage. I have an open case with the XXXX Bureau of Consumer Affairs, and Keep Your Home CA, while applying yet again to WF for review after THEY contacted me to reapply all the while they are DUAL TRACKING for foreclosure as I was just notified by a collections agent XXXX XXXX and XXXX XXXX XXXX as to foreclosure proceedings. Wells Fargo tells me that XXXX XXXX XXXX is the " private investor '' on my mortgage, but that is not legitimate as to a bank being a private investor. Wells Fargo and XXXX XXXX XXXX are in violation of the Fair Debt Practices act as well as they have not submitted verification of the debt or the right to collect the debt, but all they while intentionally inflicting financial and emotional harm to me, my profession and my property as I have equity and they refuse to work with me. I also cured the prior default with my retirement funds as Wells Fargo said that in doing so I would be able to refinance or modify, however upon doing so they told me again that that was n't possible or qualifiable as I had " defaulted '' ( based on their instructions in order to qualify for assistance ). Now I am being dual tracked even tho I have open case files with the XXXX entities listed above. I have NPV reports on past applications as to being wrongfully denied for HAMP, and a timeline going back to 2009 with all the representatives I 've dealt with both thru Wells Fargo, my congressional rep, XXXX, the XXXX, and many more.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent please remove from credit report. 

XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$660.00} XXXX ) XXXX XXXX XXXX XXXX Amount {$2700.00} XXXX XXXX XXXX XXXX  Account # XXXX Amount {$430.00}
Product: Payday loan, title loan, or personal loan

I understand that I have an installment loan with the company I have spoke with employees of the company to let them know whats going on but obviously they dont care. On XX/XX/2020 I was called by this company on my call phone in 1 day 12 times and every phone call was less than 2 minutes a part why? I feel like those are harassing calls and I want to file a complaint. Not only have they harassed me they have harassed a family member with giving me a third party not affiliated with the borrower account all her personal information called me at my place of employment to give a message to the other party Why? Im being harassed and they have violated me and Im XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I hope this message finds you well and in great spirits. 

I am writing to file a dispute regarding several accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts in question are : XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX XXXXXXXX ; Account # : XXXX XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX  ; Account # : XXXXXXXX XXXX XXXX ; Account # : XXXX I reviewed my Experian credit report on XX/XX/year>, and noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates ( 15 USC 1681e ( b ) ).

Per 15 USC 1681i, inaccurate or unverifiable information must be treated as follows : After any reinvestigation of disputed information by a consumer, if the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information as appropriate based on the reinvestigation results.

The agency must also notify the furnisher of that information that the information has been modified or deleted.

Additionally, under 15 USC 1681s-2, entities must not furnish any information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request an immediate investigation into these matters and appropriate corrective actions be taken to rectify the inaccuracies on my credit report. 

Thank you for your attention to this matter. 

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

I noticed a few accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX. At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. XXXX put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a INVESTIGATION into XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in yourEINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.