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

I have recently reviewed my consumer report and informed your agency on XX/XX/year> regarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ).

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inAccurate information on my credit profile there are inquires reporting on my consumer report that should not be there because I didnt authorize anybody to pull my credit report. XX/XX/2020 I sent out a dispute later that will be attached concerning the inquiries on my Equifax report I provided Equifax with the name of the companies and the dates that was on the inquires. I kindly asked Equifax could they delete the unauthorized inquiries and provide me with there method of verification if they determined the credit pulls belonged to me they never sent verification I requested if they could not send verification to delete inquires immediately. They responded with an irrelevant response that didnt honor any of my request in my dispute the confirmation # is XXXX is what was sent as a correspondence I will attach documents as well. After I received that I sent another letter on XX/XX/XXXX expressing my concerns about the inquiries requesting that they be removed immediately this is my second attempt to get this matter handled and I will attach the second dispute letter as well.
Product: Debt collection

I have a debt from  XXXX  listed on my credit report that is in collections but I never had an account with  XXXX . Th e Collection Agency Convergent Outsourcing , Inc. is the one rep orting this debt on my credit file. I have used  XXXX   XXXX   XXXX  to try to get it removed as they have not sent any type of communication on when I actually did obtain this said account with  XXXX .  XXXX   XXXX   XXXX  was not able to get it removed as the collection agency is not responding back to them with proof that this is my debt.
Product: Credit reporting

I am a victim of Identity Theft and am trying to get these items off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the XXXX XXXX, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that ACE had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Open date XX/XX/2021 and showing a balance of {$460.00}. I have no contract with this company and it was already deleted from my XXXX report.
Product: Consumer Loan

I HAD A CAR LOAN WITH NAVY FEDERAL CREDIT UNION. 
MY CAR WAS STOLEN FROM A CAR REPAIR SHOP THAT I HAD NEVER LEFT MY CAR WITH OR DONE ANY TYPE OF BUSINESS AT ALL WITH THEM. 
I GIVE THEM A COURT ORDER AND WARNING THEM NAVY FEDERAL CREDIT UNION NOT TO GIVE MY CAR TO XXXX XXXX.THAT I WAS TAKENING TO COURT .I GIVE ALL LEGAL DOCUMENTS SUPPORT THAT STATEMENT TO THE NAVY FEDERAL CREDIT UNION. 
NAVY FEEDERAL CREDIT UNION GIVE HIM THE TITLE TO MY CAR AND MY SOCIAL SECURITY NUMBER AND OTHER VERY IMPORTANT INFORMATION TO XXXX XXXX. WHO HAD STOLEN MY CAR.I WON MY CASE IN COURT XXXX XXXX WAS ORDER TO GIVE ME THE CAR BACK BUT IT WAS TO LET HE HAD SOLD IT. 
THE NAVY FEDERAL CREDIT UNION DID NOT PROTECT MY PERSONNAL INFORMATION OR MY LEGAL RIGHT TO OWNER SHI OF THE CAR. 
I WROTE SEVERAL LETTER TO THEM BUT THE REFUSED TO DO ANY THING ABOUT IT.THEY EVEN GIVE ME BAD CREDIT AND DO NOT WANT TO BE RESPONIBLE FOR THEIR WRONG ACTION.I WOULD LOVE TO SUE THEM BUT I DO NOT HAVE THE MONEY TO HIRE A LAWYER. 
I WOULD NOT LIKE FOR ANOTHER PERSON TO GO THROUGH THE SAME THINGS I DID.THE XXXX NEARLY KILLED ME TO KNOW THIS AND THEY GET AWAY WITH IT. 
CAN YOUR OFFICE HELP ME WITH THIS MATTER. 
THANK YOU FOR HELP AND SUPPORT. 
PRAYING FOR YOUR HELP. 
TRULY YOURS XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my Comerica account was caponized in the amount of {$890.00}. The individuals who scam me removed my money from Comerica to XXXX XXXX  then over to bit coin. there were 4 transactions in the amount of {$50.00}, {$290.00}, {$490.00} {$50.00} totaling {$890.00}. 
Comerica bank closed one account and opened a new one and asked me to make police report I did and submitted it to the bank. 
Comerica refunded me {$890.00} and then took the hold {$890.00} back. Which but me into a hardship
Product: Checking or savings account

XXXX ; XXXX ; XXXX my estranged daughter XXXX XXXX, entered the Chase Bank in XXXX NJ XXXX and was allowed to withdraw {$92000.00}, fraudulently from my checking account.. I assume, XXXX told the banker I was unable to make any decisions and I was in a Nursing Home. That was a lie. On XX/XX/XXXX my daughter XXXX XXXX XXXX XXXX, demanded another {$120000.00} from me, after I already gave her {$50000.00} in XX/XX/XXXX, from the proceeds of the sale of my house, located at XXXX XXXX XXXX, NY XXXX. I lived there for 46 years.I worked for XXXX  for over 13 years. I know banking law and banking rules. I was XXXX bankers located in XXXX XXXX, NY. The banker in XXXX NJ failed to confirm if what my daughter stated was true. In addition the banker never confirmed if the POA, which I signed, in XXXX XXXX NY in XXXX of XXXX, was XXXXA bank must act in a fiduciary manner to protect a customers assets. In fact, my daughter XXXX XXXX, was removed as my agent, of my POA on XX/XX/XXXX, by e mail I sent her via XXXX. I can forward you a copy upon request mail. The banker failed to compare XXXX signature to tge signature on her drivers .I obtained copy of two withdrawal slips for {$46000.00} each. The signature does not look like my daughters signature. I suggest you ask Chase for a copy of my daughters NY Drivers License. The banker should if made a copy of her license..I accuse the Chase banker at XXXX XXXX NJ XXXX for XXXX her fiduciary responsibilities to safeguard my money. Due to Chase Banks negligence, My daughter, XXXX, was wrongfully allowed to take out {$92000.00}, in two separate {$46000.00} withdrawal slips, from my checking account.. The signature doesnt look like my daughter ) s signature. Please request, Chase bank video for XXXX ; XXXX ; XXXX. The banker failed to call XXXX XXXX, where I was taken on XX/XX/XXXX, after my daughter XXXX  me in my XXXX. My XXXX  XXXX  were XXXX. After one day, I was sent to XXXX XXXX in XXXX NJ, I had and still do have, all my mental faculties. I-have a XXXX XXXX and Chase owes me {$92000.00}, They failed to protect my money. Please order Chase to put {$92000.00} back into my Chase Account.I am XXXX XXXX XXXX and I need the money to relocate back to XXXX near my doctors.I must obtain needed Medical care. Please help me.
Product: Money transfer, virtual currency, or money service

United check cashing fraudulently cashed one of my stolen cheques.

I brought the matter to their attention and the owner XXXX blamed me, stating if I hadn't had my check stolen he wouldn't be losing money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer not a credit reporting agency. This credit reporting agency from XXXX think they can violate and terrorize consumers by violating their rights and carry out aggravated identity theft on a daily basis. I have fraudulants accounts and inquiries that have been dismissed and this company doesn't think the law applies to them.
Product: Student loan

Due to COVID-19 havent been able to pay or make arrangements or change payments
Product: Money transfer, virtual currency, or money service

I received a phishing email from service XXXX  XXXX on XX/XX/XXXX saying invoice updated amount due {$390.00} to cancel or get a refund called number XXXX XXXX I called as I did not make any transaction but it was a scam. I was asked to download XXXX app to get my refund. Through that app they make me transfer money from my savings to checking but I did not notice. I was asked to check my bank account and I found a credit {$39000.00}. I was shocked, panicked and shaking. Through the app when you type {$390.00} the dot does not work and the amount will be {$39000.00}. On purpose the scammer will guide you during the refund process and asked to type {$390.00} After that incident they told me that I have refunded myself unduly and knowing that I am a honest person I will return the money. I was told to go to the bank and wire the difference {$38000.00} which I did. 
When I returned home I had a bad feeling that it was scam. I immediately called the bank to stop the wire. I was told that I have to go back to the bank to recall it. I drove back to the bank and the banker recalled the wire. The banker said he dont know when I will get refunded no timeframe no guarantee but the bank will contact the beneficiary bank. 
My bank is Wells Fargo and beneficiary bank is XXXX XXXX XXXX XXXX 
I have been going back and forth to WF to get my refund. Feedback from WF is that XXXX is not responding to any messages. As at today I still did not get my money back. I filed a complaint on XXXX website on XX/XX/XXXX and they replied on XX/XX/XXXX acknowledging that they have received my complaint. In short they said that they are an intermediate and the beneficiary account belongs to XXXX. In the same email XXXX responded too they mentioned that WF should contact XXXX directly via XXXX with a hold harmless letter. 
I went to WF XX/XX/XXXX and forwarded that letter to the banker but it looked like the letter is USELESS. Nothing change. 
I was out of country from XX/XX/XXXX - XX/XX/XXXX so no follow up to my case. 
When I came back I went to WF on XX/XX/XXXX and I officially received a reply from WF on XX/XX/XXXX where it says that WF has contacted Beneficiary bank on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX but the beneficiary bank did not acknowledge to any messages. Please consider your claim as closed. So the letter that I received on XX/XX/XXXX from XXXX and that I forwarded XXXX times to the bankers ( each time I visit its a different banker ) is not of any concern to WF. 
As I did not get any help & support from WF I sent an email to XXXX but I received an automated reply saying -if I am a customer please use in-chat app -if I am not a customer please direct your case to your bank and request your bank to contact us. I am desperate WF has closed my claim who should I see to get help. I also filed a complaint on FBI internet crime complaint center and FTC. After filing FTC I found out that I can also file a complaint on consumer finance.gov. So I just filed my complaint. 
Looking forward to hearing from you
Product: Money transfer, virtual currency, or money service

I received an email from someone named XXXX XXXX on XXXX : the email claimed to have been sent from a bank of America " resolution XXXX ''. The email stated that bank of America had received my CFPB complaint aand it instructed me to call a number, because they needed to verify that I submitted the complaint to the CFPB. The email said BANK OF AMERICA COULD HELP me resolve the claim, but I needed to speak to them via phone first. 

I called the number and extension on the email multiplee times on XXXX and left multiple voicemails. I even called the BOA customer service number and none of the representatives were able to connect me with XXXX XXXX or another resolution XXXX regarding the email sent to me. ***I will attach screenshots of SOME OF the times. I called XXXX XXXX, BOA, AND SCREENSHOTS OF ME TRYING TO CONTACT XXXX XXXX VIA XXXX. 

XXXX XXXX NEVER RESPONDED BACK TO ME. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a similar email from another resolution XXXX claiming to be from BOA on XXXX REGARDING MY NEEW CFPB COMPLAINT. I called his number and I left him multiple voicemails today. 

It seems to be that boa has the resolution XXXX  send me emails regarding my CFPB complaints and in the emails they send me it clearly states they need to speak to me via phone in order for them to assist me with my CFPB complaint. So far they have a pattern. A pattern to give a phone number and extension to call and they don't. Answer or respond to my voicemails. 

Since they don't make voice contact with me they don't help me with my CFPB claiim
Product: Payday loan, title loan, or personal loan

Bank of the West, XXXX XXXX is misapplying my monthly payments on a fixed installment loan with no payoff penalty. Our obligatory payment is {$430.00} - we have paid each month since XX/XX/2019 {$600.00} on autopay. Some months exorbitant amounts of our {$600.00} payment go to interest, others to the principal. This is wrong. Of the {$430.00} amount, a certain % of that amount should be going to principal, the remaining % to interest. Anything in excess of the {$430.00} should all be getting applied to the principal. This isn't happening. Please see the attachment I've included proving this.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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

equifax confirmed that my social security number was subject to their most recent data breach. I registered with their website several days ago and have not received the emailed response as promised. I called their support line and was disconnected when told I would be transferred and then placed on hold several times for a total of 20 minutes and advised that I needed to give them more time to send me an email. It has been 72 hours since they asked me to register in their website and this is unacceptable.
Product: Debt collection

I had XXXX XXXX in XXXX of XXXX that were 100 % covered by the provider due to financial hardship. I never received any bills on these procedures. I moved in XX/XX/XXXX. In XXXX of XXXX, I was called by North Georgia Regional Collections Agency , Inc. saying that I owed on a debt that had been passed to their agency. It was my first time hearing about an unpaid debt from XXXX XXXX. I asked to be sent documentation on the matter. 

I never got that letter. I was called again in XXXX of XXXX by them, and explained I did not get the letter. They mailed it again. I received the letter XXXX of XXXX. There is no itemization of the bill, and nothing documenting my rights as a consumer. I have attempted to call the creditor, and I can not reach them, as all of the numbers listed lead to disconnected numbers. They have not included a professional license number in their communication, and there is no information on disputing/appealing. 

They list the creditor as North Georgia XXXX XXXX, XX/XX/XXXX - {$250.00}. 

This is the first time that I've supposedly had debt sent to a collections agency. I checked my credit reports to see if it was on there, and it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open two bank accounts with XXXX XXXX XXXX this morning in my name. When I attempted to freeze my credit Experian would not do so and said I would have to submit paper copies of multiple forms of ID and a police report. I verified my information with their service and it froze me out.
Product: Debt collection

There is a fraudulent collection account on my credit report from Portfolio Recovery Associates, LLC. I do not own this debt under any circumstances. I have disputed this debt multiple times, requesting the company to provide adequate documentations of this account. On XX/XX/21 I CERTIFIED mailed out a Validation/Verification letter requesting proof of my signature on any loan contracts or original documentations. The ONLY documentation Portfolio Recovery is willing to provide is a credit card statement which is insufficient proof considering there is no original information about the account. 

Without sufficient documentation from the Debt Buyer, I am demanding that this account be removed from my credit reports. This account was successfully removed from XXXX but not XXXX and XXXX. These two credit bureaus must remove this debt from my credit report if the Debt Buyer can not not provide sufficient validation of debt. 

How is a simple credit card statement from the Debt Buyer valid enough proof to keep a debt on my credit file? Shouldn't there be more sufficient documentations required from the credit bureaus in order to adequately validate a debt?
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed that the information on my profile was incorrect. There are several hard inquiries on my credit report that should not have been on my report profile and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a request asking them to reinvestigate or remove these hard inquiries listed below : XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

TRANSUNION 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!

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

A few months ago I contacted Commonwealth Financial requesting validation of two debts they stated I owed. I received a copy of an itemized statement in which did not have anything bearing my signature. I advised them that an itemized statement does not constitute validation of the debt and they have refused to remove the two erroneous items they are reporting on my credit. It is my understanding from recent research of my consumer and civil rights to have ONLY PHYSICALLY PROVEN TO BE METRO 2 COMPLIANT information reported. I am enacting my right to declare a compliance challenge versus these allegations yet demonstrated to be fully TRUE, CORRECT, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY, or else wise METRO 2 compliant. Federal laws dictate that Commonwealth Financial is unauthorized to retain or report any chicanery or injurious subterfuge such as allegations that are deficient of PHYSICAL PROOF. My demand is immediate annulment by full and permanent deletion of the two erroneous accounts from all three credit reports.