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

The purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX , XXXX , and Experian. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in -XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in -XXXX/ Account Number XXXX. Attached find supporting documents : XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 8 XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA 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. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Bureau Dispute Dept. are refusing to fully Re-investigate under FCRA, of a consumer on my credit report name XXXX XXXX. I have ask under FCRA Sub-section 611 [ 15 U.S.C. Subsection 1681i ] ( 5 ) ( A ) ( i ) ( ii ), and ( 5 ) ( D ) and still Equifax Bureau Dispute Dept. have not complied with FCRA Regulations. They are stating that this account was open on XX/XX/XXXX. I have ask them for a contract that they have not provided. Also, from XX/XX/XXXX to now they can not show me for every bill statement, when was anything paid, how much was the bill on XX/XX/XXXX to XX/XX/XXXX, they have not provided that information. Equifax Bureau Dispute Dept. claim that they have verified this, I have ask them these questions 1. HOW DID YOU VERIFY?, 2. WHO DID YOU VERIFY THIS WITH?, & 3. WHO DID YOU SPEAK WITH TO VERIFY THIS INFORMATION?. I have not yet still got any response for these 3 questions but, still they keep sending out templates, to avoid what I am sending in by FCRA Law. I am in the process of sending all of this and everything by certified postal mail over to the President, Vice President, and House of Congress because Equifax Bureau Dispute Dept. are NOT FOLLOWING FCRA REGULATIONS. I DO NEED A FEDERAL ATTORNEY FOR A LAWSUIT PLEASE HELP.
Product: Money transfer, virtual currency, or money service

Follow the protocol require to send money to the recipient, everything was done smoothly but the money hasn't showed in the receivers account.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 
As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card

XXXX XXXX thru XXXX XXXX BANK, XXXX XXXX CARDhas been hacked many times & there is more to report. Upon reporting They took information & said it was under investigation and in the XXXX department. A new card was not issued and they wont call me back after XXXX or XXXX weeks. After numerous Calls to XXXX Department all I could get was a recorded message. The amount comes to XXXX.This amount + the amount that XXXX already been reported which is in the thousands, too. 
This was reported to XXXX XXXX over XXXX XXXX weeks ago. 
Thank you in advance for your help on this matter
Product: Checking or savings account

Hello Ive been a customer with Wells Fargo since 2018. Recently I filed a claim because XXXX was stolen from my account and I was told that they were working on the investigation. The economy is already bad and I am struggling to pay my bills so I asked the bank could they issue me a provisional credit in the amount stolen and if not a full credit as least partial credit because there was serious damage done here! Instead of being helped as I was on the phone in tears they kept on making excuses and telling me that there was no way for me to get a provisional credit while I wait on the investigation. This is heartbreaking because Ive been a customer for so long and my voice is not being heard and my feelings are not being took into consideration. On their website they say that they are able to offer provisional credit I strongly feel as though they arent doing everything they can to help me and theyre just brushing me off. My bills are due and this has affected me and my children and my fiancee. Im willing to wait for the investigation to be resolved but please I would like a credit to my account while I wait I cant wait XXXX whole weeks for something to be done please. I just want my money please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the XXXX breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time
Product: Credit card or prepaid card

I was affected by Covid 19 pandemic. My XXXX was temporarily closed to follow the City of XXXX XXXX and State of California Covid 19 ordinances. I am facing with financial hardship due to income depending on unemployment benefit. I have asked the CitiBank management to give me time to make payments but CitiBank company ignored and closed my accounts without my acknowledgement. I will get my ppp loan soon, I plan to reopen the business next month. I would like to looking for help in the attached letter.
Product: Credit reporting or other personal consumer reports

I made a payment to XXXX. Always pay full balance. Per my bank ( when looking at back of check ) XXXX cashed it but assigned it to the wrong account. My correct account number was typed on the front of check. It was cashed and posted before payment was due. I sent a copy of the front and back to the address they provided. They still whacked my credit score and sent another letter about them being unable to research payments sent through your banks online bill pay service. Please help. 
XXXX XXXX
Product: Checking or savings account

I made a check deposit into my account which was new and my account online has been locked, they have rigged the debit card they sent to not be valid, and also they have not given me access to my funds after the hold date Ive had my client call and they lie and say they she hasnt, Ive gone to the branch but the branch refers me back online the phone department does not help if my account is gon na be closed then Im intitled to my funds
Product: Debt collection

I have disputed this collection letting them know that I did n't authorize this account. They 're continuously telling me that the account is verified, which it ca n't be because I 've never signed a contract with them. I had never applied for anything with this company until about a month ago and got denied saying that I 've already had an account with them which I never have. Im in the process of trying to purchase a home and do n't need anything negative on my credit report preventing that from happening, especially if it 's something negative that I did n't authorize or have no knowledge of.
Product: Debt collection

Promissory note was sent to the company and accepted ... never returned, the M & T Bank is a third party, I have no bilateral contract with M & T Bank, does not have the right or authorization to foreclosure, they are not power of attorney because all previous power of attorney was revoked in XX/XX/2019, no right to assign, loan was bifurcated, violations of 15 USC 1692, fair debt collection practices act, the GAAP Act, Deceptive Trade Practices Act, the Georgia Residential mortgage fraud act by creating false document without authority and is the the original creditor, never loan any money or gave value to be able to attach to collateral, violation of UCC Article 9, request name and address of Original creditor by way of securitization transaction audit on mortgage for proof only. Not a party to promissory note. Talked with them and said they were waiting to accept the promissory not, never returned and is being traded because never returned and trying to steal my house in fraud. I will not accept any thing but a forensic audit from non affiliate of M & T bank, and cease and desist from debt collection or threats to sell my he without legal or equitable title as all power of attorney to able to create any Deeds to conveyance of my home. In accordance with 31 US 3123 the secretary of the treasury is supposed to pay all obligations of the public debt because u can not pay a debt with a debt instrument. And the note was sold illegally and not assigned.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months Transunion has been blatantly ignoring my request for an investigation into this supposed charge off from XXXX. I have sent numerous letters to the credit bureau and the creditor as well. Transunion has " verified this account '' but XXXX and XXXX has been unable to do so and deleted the negative account from my report with both bureaus. I requested verification of investigation on XXXX XXXX and have yet to get a response back from Transunion on what procedure they used and the other bureaus were not able to. I also reached out to the creditor to verify they confirmed this information and no one has sent me any other documentation.
Product: Debt collection

SOMEONE STOLE MY INDENTITY AND OPENED UP MULTIPLE ACCOUNTS IN MY NAME.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act XXXX has violated my rights 15 U.S.C 1681 section602 A states I have the right to privacy and also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This included but is not limited to : 1. My academic records and personally identifiable information ( PII ) 2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan and grant information.

3. My IRS tax transcripts were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, and Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Checking or savings account

I processed a mobile check deposit from XXXX XXXX in the amount of {$35000.00} around XXXX am on XX/XX/year>. At XXXX, XXXX minutes before the branch closed, I was alerted via email that they had placed a hold on the deposit for XXXX DAYS until XX/XX/year>. THIS IS FRAUD BY THIS BANK. They are going to use my money interest free and withhold access.
Product: Consumer Loan

Bank of American had repossession my vehicle for been 2 months behind the did not sent me a letter stated they was going to repossession my vehicle. The only letter I received was I was behind XXXX dollar behind and i needed to get it caught up. After I contact them to ask what I need to do to get my vehicle back they stated you how to pay your vehicle off XXXX because I was late on my account my last three payment. They ask me why was I late I stated my husband had a XXXX XX/XX/XXXX and I been the only one with income. The first lady I talk to she stated that they will ask for what you owe and fees for repossession. I stated okay and she gave me number to the repossession and they stated I have to pay the car off before I can get it back because I was late and I am 2 months behind. I want to know are they suppose to send me a letter to let me know that my car in the process of been repose before they pick it up. They only letter I received was I need to get my account current and the amount.
Product: Debt collection

I have a credit card from XXXX XXXX XXXX XXXX XXXX # XXXX. Because of my financial hardship, I stopped the payments of my credit cards in 2018. This yrs I am working so I called my credit banks to make some payment of my card debt. It was sold to Midland Credit Management. I made an arrangement agreement for the amount I can afford until it's paid in full. They also mentioned that I owed {$340.00} in the other card account from the same bank the XXXX. I said right away that isn't mine because we already discussed the payment on the card that I owed. I only have one account with XXXX XXXX XXXX. I disputed that one. They said they will put in dispute. Last XXXX, I got another letter and a statement of the credit card I signed the form disputed and mailed back to them. 

I got the same statement from the same card today. I called and I told the female Rep. with XXXX accented that this account is not mine why would XXXX XXXX XXXX give me two accounts? I mentioned that more often when a card is compromised the credit card companies will be closed the account and issue a new one. But I only have one account with XXXX XXXX XXXX. She then told me that since you were disputed this charge that you need to provide me a copy of a police report that I disputed this account. I am not going to waste my time going to the police Midland Credit Scamming me and I am the one who provides proof of the card account that isn't mine. 

This company makes me angry stressed out and to waste my time and energy for talking to them, I am working to pay for the bills that I owed. Someone has to stop these people from committing this kind of fraudulent activity consumers and how many of us never report them like I am doing now.
Product: Payday loan, title loan, or personal loan

I had a personal loan with Upgrade.com, with a balance of {$7400.00}. My bank ( XXXXXXXX XXXX ) issued a check to pay the loan off on XX/XX/2023. I have proof of deliver Upgrade.com received the check on XX/XX/2023. I have reached out to Upgrade.com on four occasions inquiring why my account has not been credited. Today, I received an email from Upgrade.com stating " We apologize ; however, our records do not indicate that a check payment is on file. Please understand that when a check is sent by mail, the processing timeframe will be about 10 to 14 business days, which includes mail transit times and processing once received. We will backdate the payment to the date that we received the check if not processed the same day.

If this timeframe has surpassed the normal processing timeframe, please contact your credit card company, lender, or bank to request the check information and deposit details. '' I have contacted my bank, XXXXXXXX XXXX asking them to stop payment on the check and return the {$7400.00} funds to my checking account in order for me to make the payment electronically. 

My complaint is in regards to Upgrade.com not taking action to locate the check, even though I provided a ) proof of deliver and b ) a copy of the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report, show an account, it's not my, is XXXX  XXXX XXXX, I don't have any credit card from them. 
The account for {$10.00}, I don't recognize this account.
Product: Debt collection

I submitted original complaint to company on XXXX XXXX ; XXXX responded saying " Consumer Financial Protection Bureau RE : Complaint by XXXX XXXX - Complaint # XXXX Dear CFPB, We received the complaint from XXXX XXXX submitted through the CFPBs website and we appreciate the opportunity to respond. XXXX XXXX indicates that the balances for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were previously paid. XXXX XXXX XXXX XXXX XXXX listed XXXX XXXX account on XX/XX/XXXX and we sent our first notice on XX/XX/XXXX. We also sent a second notice on XX/XX/XXXX with no response. XXXX XXXX XXXX XXXX listed XXXX XXXX account on XX/XX/XXXX and we sent our first notice XX/XX/XXXX. Two subsequent notices were also mailed to XXXX XXXX in XX/XX/XXXX with no response. Our investigation finds that XXXX XXXX accounts were both billed to his insurance, but were not paid in full as he did not have medpay insurance for this automobile accident. We have been advised by the original creditors that the balances on both accounts remains due. The XXXX XXXX XXXX XXXX XXXX bill remains due and owing in the amount of {$1000.00} and the XXXX XXXX XXXX XXXX XXXX bill remains due and owing in the amount of {$3600.00}. If XXXX XXXX records reflect the accounts have been paid in full we welcome him to provide the proof needed to verify the accounts are paid. We are here to assist XXXX XXXX with resolution of his accounts and accordingly if he has any questions we welcome him to contact us directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX ; I would appreciate if I did n't have to wait several years for this to simply fall off on it 's own ; however given the circumstances of my accident ( Which was not my fault ) I was told several times that this was handled and taken care of ; If it 's infact true ; that original creditors attempted to bill my insurance ; the other driver should have been billed my medical bills as I was in an unfortunate accident which was not my fault. 

I would like to request that you remove both of these from my credit report ; I am happy to wait the time frame as well if there 's no other options ; however I 'd appreciate if you dig into this case a bit if you have that ability so that you could see the reality of the situation. My passenger ( Climbing Friend ) had all of his medical bills taken care of and has never had any issues ; so there should be no difference with myself. 

Please remove this.
Product: Debt collection

Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for XXXX years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.
Product: Credit reporting or other personal consumer reports

I am writing this in good faith. The items listed are HARD INQUIRIES on my credit profile/report. None are connected to an open account, and are having a negative effect on my ability to secure credit. I would like them removed from all three of my credit profiles with the following credit reporting agencies : XXXX, TransUnion and XXXX. Thank you. 

XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX TX, XXXXXXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX NJ, XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX
Product: Mortgage

I have a mortgage serviced by ASC ( Wells Fargo ). It is a balloon loan with final payment due XXXX 2016. The rate is 10.5 %. The house has fallen into dis-repair due to health issues. It is currently uninhabited. I am current on my payments, however it is ruining me financially. I am living paycheck to paycheck. My LTV is about XXXX %.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries on my credit report were not authorized by me : Fraudulent Accounts : XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$5300.00} Fraudulent Inquiries : XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items that are too old to be in my credit report besides the fact that they should have been included in a bankruptcy. They would not remove the items off my credit and it has been hurting my credit score for too long.