23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

When I would get randomly have money sent to different numbers or emails I would have to consider that money lost, even if it was wrongfully sent or hacked there was no getting that money back
Product: Debt collection

I asked them to stop calling me and send a letter. The man told me he could continue calling me as much as they want ( about 8 times a day ) and would bring me to court and sue me. Now they've reopened the old account on my credit report and it dropped my credit score.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

please remove the unauthorized inquiries stated in my letter
Product: Credit card or prepaid card

Capital One Bank continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!
Product: Credit card

I took out a prepaid card secured card I put a {$200.00} deposit down on first latitude and I didn't spend a dime of it and now it says my credit is maxed out and I am livid so somebody's been using all my cards
Product: Credit reporting or other personal consumer reports

Dear Equifax, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 





Please delete the follow inaccurate names : XXXX XXXX Please delete the following inaccurate addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 




Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 





Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151.

Regards. 

XXXX : XXXX ( Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Money transfer, virtual currency, or money service

A check for {$13000.00} was deposited into my business account on XX/XX/XXXX at XXXX. The check was issued by one of my galleries, a long standing account of mine who through the years has written checks of like amounts, providing solid payment history. 

Today is XX/XX/XXXX and as of XXXX the funds are still not available. I believe Chase Bank has exceeded the hold time allowed by federal law. Furthermore, the customary partial release of funds did not take place. No funds whatsoever have been released, causing financial hardship. Not having funds for year end expense write-offs has caused further issues.
Product: Debt collection

I was checking my credit and saw negative results on my credit that i do not owed or know anything about. I just want this remove this account off of my credit. I have disputed and they just will not remove this fake account.
Product: Debt collection

I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.
Product: Student loan

In late  XXXX  or early  XXXX   XXXX  I called the Fedloan He lp, Inc. It  was advertised on the radio FM  XXXX  in Delaware. It was to help you with getting lower payments on your student loan. On  XXXX / XXXX / XXXX  Fedloan Help,  Inc beg an to deduct {$38.00} from my account every month on the  XXXX . On  XXXX / XXXX / XXXX   XXXX   XXXX  loan of which my student loans are with called and informed me that no payments were made toward my student loan by Fedloan He lp , Inc. I was to ld they are a third party company and not affiliated with  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Working with XXXX, report number XXXX, case number XXXX Report date : XXXX XXXX, 2017 has been way frustrating. They will not remove several errors on my report due to identity theft. I have been on the phone with them for over 12 hours, used their web sites, spoke to several employees to get their errors fixed, and they refuse. They would rather use mail to contact me. When I fill out the forms and return them, they say they need more information. They will not remove addresses from Florida that I have requested several times. I have never lived in Florida, never even visited the state either. My report shows 2 social security numbers, ( red flag to a competent person! ) It also shows two names and several addresses that I have never lived. I wanted to take a loan to purchase a new truck, but because of their errors, my credit shows to be in the gutter. They have given nothing but hardship and pain and it is not my fault. I have had flawless credit my entire life! I ask for employee names, but they do not offer last names, nor extension numbers to contact personnel. You are on hold for at least 30 minutes per call and get to deal with who you are dealt with-no chance to deal with that person again. How slimy is that and is that the kind of service I deserve? I am at the point of hiring an attorney to file a lawsuit against these clowns. I have been dealing with these people for over 2 months now to get my credit where it belongs and nothing, very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My long time credit score of appx. 800 to 820 dropped to approx.700.  The only thing I thought might have caused the huge drop was the mix up with my CapitalOne account ending in ... XXXX. I have another CapitalOne [ CO ] account ending in ... XXXX. 
To help matters of confusion I asked CO on XX/XX/XXXX if they could issue me one different  looking card, which I thought might help this XXXX-year-old gentleman. The lady on the phone refused. So a few days later on XX/XX/XXXX I cut up # XXXX card up, mailed them a final check # XXXX in the current balance due, {$24.00}, less {$2.00} in Loyalty Reward Points ; and asked CO to please close the account. Additionally, I returned a phone case that won`t fit my cell phone. I wonder if that caused some confusion. Meanwhile, I received a trailing bill from CO acct # XXXX in the amount of {$92.00} [ Previous Balance?? {$52.00}, More Late Fees {$39.00} & More Interest XXXXcents ] due XX/XX/XXXX. Out of disgust, I mailed them another check # XXXX on XX/XX/XXXX in the full amount due of {$92.00}. 
Can you please help me..restore my good credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent three certified letters to each bureau requesting that they remove the public records provided documents to each bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing ( SLS ) is refusing to report my account accurately to the credit bureaus. I have called nearly 20 times, email and faxed this servicer and they continue to lie and give me the run around. I sold my property and paid the loan off in full. My payoff was {$600000.00} and I sold the property for {$630000.00}. I also received an escrow refund credit for {$1500.00} due to paying off earlier than payoff deadline. SLS is refusing to report as a paid in full account. They are reporting the account was a settlement, clearly a lie, false, not true, fraudulent and damaging. This was not a short sale or less than full balance account, SLS received every dime owed. When I call they even state the loan is paid in full and don't know why its being reported incorrectly. SLS was paid off on XX/XX/2019 and they still have not reported the loan status correctly. They report it " legally paid in full for less than the full balance '' this statement is incorrect and fraudulent. Its also causing me harm and injury. I want this mortgage account status to report Paid In Full XXXX balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

They said they was going to remove the inquiries, but they never did inquiries that I did not authorize
Product: Debt collection

Complaint is against portfolio recovery associates : XXXX XXXX Claimed to have a report of a debt to XXXX XXXX credit card, the account is removed from my credit report & is fraud helmet, claims that the account is still active on credit report, harassment calls everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COLL Original creditor : XXXX XXXX XXXX XXXX {$120.00} paid in full!!!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I am a victim of Identity Theft. As a result, a phone bill was manufactured in my name. I went down to my local police department and filed a police report with the direction of XXXX. The collection account placed on my credit from XXXX XXXX in this regard was deleted. 

That said, Enhanced Recovery collection agency has placed the them account on behalf of XXXX on my credit. I have never received a notice from them they just placed the account on my credit- if they would have contacted me the would have known this is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has now been over 30 days since I sent my dispute letters regarding the late payments, I recently discovered on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX account # XXXX : XXXX ( 30 days late XX/XX/XXXX, XXXX and XX/XX/XXXX ) XXXX ( 30 days late XXXX and XX/XX/XXXX ). 


These three major bureaus are in direct violation of my rights and I am seeking legal action.
Product: Credit card

Synchronicity Bank who is doing business as XXXX XXXX tools credit has lowered my credit limit even though I have never missed a payment. What they are saying is my credit score is not high enough. My credit score is not good but it is the same credit score I have had since I got the card. My credit limit has nothing to do with my history with the company and as far as I can determine their lowering my credit has had a detrimental effect on my credit worthiness even though I have been loyal and made my payments
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I do not identify as any other names. I only identify as XXXX XXXX and my current and only address is XXXX XXXX XXXX, XXXX Illinois XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, and its reporting to XXXX Credit Bureau XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late.

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. 

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In XX/XX/2021 I sent letter requesting an investigation into some things my credit report that I believed were suspicious. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.
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 undeXXXX XXXX XXXX XXXX 

XXXX  : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Credit card or prepaid card

I, natural man consumer, hereby demand to OPT OUT of negative reporting of Late payments/ transactions and experiences ( utilization ) of my nonpublic personal information pursuant to 15 U.S. Code 6802 ( b ) I demand that you Discover stop reporting late payments to credit agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other credit agencies. The only Credit Bureau is the CFPB. I have a open-credit plan and it can not me late. Remove any false or deceptive reporting immediately. You, Discover, are casing harm to me pursuant to 15 U.S. Code 6801 - Protection of nonpublic personal information.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase through XXXX which was cancelled out by the company due to product being out of stock. XXXX didnt credit the full amount back to account which led to interest accrual. My available balance is {$200.00} and my credit limit is {$200.00}. On XX/XX/18, I received a notification from my credit monitoring of a 30 past due account which knocked my credit score down over points. I called XXXX and they assured me this would be corrected and the amount due would be XXXX due to their error. This has not been fixed yet and is seriously effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recently submitted complaint to CFPB about an identify theft and fraudulent act committed toward me by XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX, I received a call from a XXXX XXXXXXXX XXXX representative after I was emailed that they were to respond to CFPB. I wasn't asked anything but if I would like to discuss anything with her, the representative, about the matter. This came off to me as " guilt '' or confession to the alleged act toward me. This person then said to me they would " let me know something or make a decision '' in a few days ; as if I was under an " approval application '' standard! ; after replying " no '' to the question but then explaining just a few details about the matter as a courtesy. This Bank was asked to respond to CFPB, not me. I'm complaining about this BANK and the credit reporting agencies attempting to make this a matter of approval of a simple bank account, which it is not! Because of this, my name should definitely be removed from these 3 agencies ' files completely and never placed back into the system unless and/or until a civil court Judge rules favor for so. The documents show proof of intent to lie to the government or harm the recipient, myself, either physically or criminally through cybercrimes. This call was posed as threatening ; by attempting to place me under an illegitimate " application approval standard '' concerning this fraudulent credit reporting matter ; which reads 0 $ monetary loss ; without including CFPB. Therefore insulting the work and objectives of both XXXX XXXX and XXXX XXXX ; which is to record actual " fraud '' involving " CHECKS '' and transactions that abundantly exceed the amount of {$0.00} in loss Page 3 of the attached file : After receiving the consumer report from XXXX XXXX, I am able to see that, I, the consumer requesting the report, should have my file deleted immediately. 

The incident date in the file does not match the date the account was closed or ANY DATE IN BETWEEN the opening and closing of the account. This proves that no such incident occurred and that the bank should be held accountable. And that so, by clearing my name and deleting this information on file immediately. 


Account opened : XX/XX/2017 Account closed : XX/XX/2017 That any manner of transaction or attempted transactions, if any, were authorized and proves " wrongful suspicion '' Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

The bank account was closed at this time. Any card from the institution also deactivated on date of account closure Open Date : XX/XX/2017 Close Date : XX/XX/2017 Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/2017 Name : XXXX, XXXX, XXXX Email Addresses : XXXX Balance Information : Month/Year Balance XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$10.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Consumer Report View/Soft Inquiries of XXXX XXXX reporting every three days starting XXXX a soft inquiry which have been constantly pulled on my credit profile. 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.