23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I called back Nelson and Cruz associates and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 XXXX  words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?
Product: Credit reporting, credit repair services, or other personal consumer reports

collection account from XXXX collections was placed on my Equifax credit report. 

On XX/XX/2021 I sent a certified letter to XXXX collections to validate this unknown debt. 

XXXX did not respond to the notice to validate the debt On XX/XX/2021 I sent a second notice requesting validation- no response On XXXX I sent 3rd notice. 

I also sent a notice to Equifax on XX/XX/2021 informing them that XXXX failed to verify the account and to investigate and remove from credit report. Equifax failed to properly investigate this account and responded to me by mail stating the account was investigated and verified. 

On XX/XX/2021 I sent another notice to Equifax informing them that XXXX wont validate the account and its the law to remove As of today Equifax refuses to properly investigate the account and ignore the law by reporting an account on my credit report that couldnt be validated by the collection agency.
Product: Debt collection

Name : XXXX XXXX XXXX : XXXX SS : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Companies involved : XXXX Account Number : XXXX Persolve Legal Group I received last communication from XXXX XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car. 

on XX/XX/XXXX I had phone communication with XXXX and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off. 

All credit bureau 's and Persolve report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with Persolve with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything.
Product: Checking or savings account

I deposited a check in a branch on XX/XX/2022 at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX i was told that my deposit would be held until XX/XX/2022. I get home and received an email from BofA, saying additional hold was place one my check because " a hold was placed on your check beause check specific information indicates item may be returned. '' then I called and spoke to XXXX. she said the hold said " They said they cant verify funds? Or to make sure, Its not deposit twice, make sure its not a fraud check why would that take that long. I filed a complant with BofA # XXXX with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a method of verification letter to XXXX, XXXX and TransUnion regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX. 
Equifax still has not removed a identity theft inquiry from my report : XXXX. I have provided all the documents per your request multiple times. 

Compliant # XXXX. 
Equifax is reporting two Accounts on my credit report that do not Have account names and they do not have the original creditors names. 

And both bogus accounts do not have any other required information and this is damaging me! 

Remove these two accounts and receive that identity theft account at once! 

And you are listing the two accounts as the same account number!!!
Product: Credit card

This is the 2nd complaint that I 'm filing against Citizens Bank. My first complaint # for CFPB is # XXXX. Briefly, that last statement I received from Citizens was XX/XX/XXXX which I paid in full. I did charge a few things on this credit card but never received any statements in the mail. I forgot about the charges and never received any more statements. Then XX/XX/XXXX I received the first of many past due letters charging me late fees. When I called I was told that I had changed to paperless statements which I never had and was told I could not change back to paper statements. If I wanted more than XXXX statements I would be charged a fee. After speaking to multiple people month after month and filing a complaint with your office I spoke to XXXX XXXX in the office of the chairman of Citizens bank who said he would handle this matter. That was XX/XX/XXXX. I just called him again today XX/XX/XXXX and he said the matter was turned over to XXXX XXXX and she was now investigating. I also received another past due letter today and finally a paper statement in the amount of {$140.00}. The letter I receive on XX/XX/XXXX said I owed {$73.00} so how did it get to {$140.00}. My credit score had been in the XXXX and now is in the XXXX. I am extremely upset by this as I 've never had a bad credit score and no one at Citizens seems to want to resolve this issue. I just want to pay what I owe and get this over with but since I received nothing for months in the way of statements I do n't know what I owe. Could you please submit another complaint on my behalf so I can get this issue resolved.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Experian ) and ( XXXX XXXX XXXX XXXX ) with no successful resolution. ( Experian ) only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2016 )
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should remove any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have errors in reporting, including inaccurate amounts and dates.
Product: Credit card or prepaid card

Yes a loan thew capital one and online checking uses of my SSI services overseas funding account transfers! Check out my XXXX  Credit report it is blocked from me getting into it. It has loan, credit, equity, auto, personal, credit of all kinds May want to check out my father 's,. But this is done by a organization .Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX .My address 15 Years
Product: Mortgage

Due to the change in the tax laws, we prepaid the first installment of our property tax bill in XX/XX/XXXX that was due in XX/XX/XXXX. We instructed our servicer, Arvest Central Mortgage Company, not to pay the first installment of the property tax bill. They followed our requests. Because we paid the property tax bill with our own funds rather than through out escrow, Arvest performed an escrow analysis and refunded amounts that were not needed. Our escrow balance was about {$5000.00}, but they refunded us about {$6500.00}, which brought our escrow into a deficit position. We brought this to their attention and told them that it made no sense and that there would not be enough money in the escrow once our second property tax bill became due in XX/XX/XXXX. Arvest told us that they were looking at a " different view of our escrow balance '' that showed the balance at about {$8100.00}, which is why they refunded us the {$6500.00}. I can not see our escrow balance as ever being {$8100.00}, so it is concerning that Arvest is seeing a different balance internally than what they are showing the borrower. It is now XX/XX/XXXX and our property tax bill in the amount of about {$4000.00} is due XX/XX/XXXX and Arvest can not explain to me how our escrow analysis works - it makes absolutely no sense and is very concerning since they are handling the direction of our payments.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that I am NOT responsible for this fraudulent account. Someone stole my identity and opened up a fraudulent account and inquiries in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) under the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the account and inquiries listed IMMEDIATELY! 
I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Student loan

I have been making qualifying payments under PSLF since XX/XX/2013. Recently my loans were transferred from XXXX to XXXX XXXX. Currently XXXX XXXX is showing zero qualifying statements. They also show my current status as both in forbearance and 9 days delinquent. My main concern is that all past payments be counted as qualifying payments under PSLF. XXXX XXXX   said it could take up to six weeks for them to review my past payments. They should have started this process back in XX/XX/XXXX when my loans transferred.
Product: Mortgage

I submitted a complaint which was decided in my favor. In that complaint, I requested that Wells Fargo Mortgage not require payment of deferred property tax. Wells Fargo has notified me that they will foreclose on my home if the taxes are not paid by XX/XX/2016. I called CFPB and requested a copy of previous complaint be email to me. Though the email was sent twice no complaint number was on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : {$3800.00}
Product: Debt collection

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft. As a result, there are fraudulent accounts and inquiries listed on my credit report that I did not open or authorize. I urgently request that these items be investigated and removed from my credit report as soon as possible. 

The fraudulent accounts and inquiries that I am disputing are as follows : XXXX. XXXX XXXX : Account Number XXXX Amount- {$7900.00} The Account does not belong to me. 

XXXX. XXXX XXXX [ XXXX 's XXXX ] Account XXXX XXXX This account is reporting a second time on the account XXXX. XXXX XXXX XXXX  Account number : XXXX Amount- {$7900.00} The following inquiries were not authorized by me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my FTC Identity Theft Report and/or a police report, along with any other relevant documentation that supports my claim, including a copy of my credit report with the fraudulent items highlighted. 

By the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that Experian : 1. Block the reporting of these fraudulent accounts and inquiries on my credit report.

2. Remove any fraudulent information related to these accounts from my credit file.

3. Refrain from re-reporting these fraudulent accounts and inquiries.

Please provide me with a written confirmation once these items have been removed and an updated copy of my credit report reflecting these changes. Additionally, I request that you provide the contact information for any entities or businesses that provided this fraudulent information to XXXX, so I may follow up with them directly if necessary. 

This matter is of critical importance, and I appreciate your prompt attention to resolving these issues. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX {$200.00} Company said there's nothing we can do to retrieve your funds of it was sent in error to a wrong party
Product: Money transfer, virtual currency, or money service

My account on wise was deactivated without any prior notice and any other thing, my payment from the XXXX was on its way to wise account and they deactivated my account and there is no sign of any reply or notice from them,
Product: Credit reporting or other personal consumer reports

I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX. XXXX contacted Transunion via certified mail on or around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that there were inaccuracies reporting on my credit profile to do with a public record of bankruptcy. I submitted a dispute letter on XX/XX/XXXX to Transunion as follows : Dear Transunion : My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ XXXX Date of birth : XX/XX/XXXX SSN : XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion : Re : File # XXXX Public Record from a XXXX XXXX Bankruptcy on XXXX  Dear Transunion : My name is XXXX XXXX. XXXX. This is a letter to request the reinvestigation of the above File # XXXX in reference to the Public Record from a XXXX XXXX Bankruptcy on XXXX. I previously disputed this public record and according to the Transunion credit Report dated XXXX XXXX XXXX report it is verified as accurate. The information from Transunion about public record items is that bankruptcy public records collected through XX/XX/XXXX, is obtained from a third-party vendor, XXXX. This bankruptcy public record is dated XX/XX/XXXX. The result of your investigation through XXXX is inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still reported to my credit file by Transunion, and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. I personally signed and sent this letter. Sincerely, XXXX XXXX. Transunion responded on XX/XX/XXXX that the data furnisher ( s ) verified the information on my credit file and unless I have additional relevant information that supports the change I am requesting, they are not required to reinvestigate the same item ( s ) again. As a result of this reinvestigation that the discharged bankruptcy remains on the credit file and that the records are obtained through a third party vendor, XXXX. According to the Consumer Report from XXXX there is no bankruptcy reported in section 9 of my consumer records. I contacted Transunion to dispute this inaccuracy with verifiable proof and Transunion verifies public records through XXXX yet they are violating my rights as the information must be reported 100 % accurately and they are continuing to report this on my credit file. My credit file is supposed to be reported accurately and Transunion refuses to correct this on my credit report.
Product: Credit reporting or other personal consumer reports

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX, XXXX, and Transunion update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus XXXX XXXX Experian are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX XXXX {$34.00} 2.XXXX  XXXX {$29.00} 3.XXXX  XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX XXXX  {$91.00} 11.XXXX  XXXX  {$240.00} 12.XXXX  XXXX {$29.00} 13.XXXX XXXX  {$150.00} 14.XXXX XXXX XXXX {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}