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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> MIDLAND CREDIT MANAGEM XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI, XXXX RE : Cease and Desist Collection Activities Account Number : # XXXX Dear MIDLAND CREDIT MANAGEM, This letter is formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease all collection efforts regarding the alleged debt referenced above. I am exercising my right to request that you stop all contact with me regarding this matter. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and any other means of communication. Furthermore, I request that you do not contact my family, friends, neighbors, or workplace regarding this alleged debt. 

Please note the following : If you believe this debt is valid, provide written verification of the debt within 30 days as required by law. 
If you have already provided such documentation, I still demand that you refrain from further contact unless it is to notify me of the following : That your efforts to collect the debt are being terminated. 
That you may pursue specific legal remedies.

That legal action will be taken against me.

Be advised that failure to comply with this request may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my state Attorney Generals Office.

Please confirm in writing that you have received this request and that all collection activities have ceased. Any further contact outside of the exceptions noted above will be considered harassment and a violation of my rights under the FDCPA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have contacted this agency time and time again for the past 18 months. I agm a nurse and I work as a nurse in the emergency room and spend 12 hours of my day doing so. I spend another 2 hours driving back and forth to work. I have over XXXX inquiries on my report that are not mine and they refuse to do anything about it. I always get the generic letter that simply says the inquiries are of factual record and they are not. They were fraudulenty done by my husbands ex wife in an attempt to ruin our financial livelihood. My husband is a former service member and police officer and I have been a nurse for almost 10 years. We dedicate our life to public service and it is disheartening when you ca n't get a company to help stop fraud on your report. The following is a list of inquiries and I will delete the ones that I did make so that only the ones I did not make remain XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : :XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, Anything that is listed here is fraudulent and needs to be removed. I work to hard to be a victim and get no assistance.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

Your reply to my complaint no. XXXX against Capital One Automotive was prematurely closed. This is what happened : On XX/XX/XXXX, the auto loan was funded and disbursed. Interest on the loan started accruing with the 1st installment due on XX/XX/XXXX. Funding and disbursement on XX/XX/XXXX pre-dated my signing the loan. My signature on the loan documents clearly indicates a date of XX/XX/XXXX and confirmed with in my email XXXX XXXX, my salesperson. Also, please note XXXX XXXX 's reply on XX/XX/XXXX. Please refer to my 4-page attachment enclosed. Additional confirmation received via email by XXXX XXXX, General Manager advising me thay they don't plan on delivery ( referring to the vehicle ) until they have the plates in hand. His email is dated XX/XX/XXXX. On XX/XX/XXXX, the General Manager, XXXX XXXX is confirming that the plates were sent and should arrive on XX/XX/XXXX. In the meantime, {$120.00} in interest is due on XX/XX/XXXX on the vehicle that has not yet been delivered to the customer. 
Another issue with this loan is how the interest was applied on installments.
Product: Checking or savings account

XX/XX/2021 i believe my account was suspended due to suspicious activity i was told provide documentation ID ( 2forms ) I complied with everything never heard back from Chime I've called numerous times sent emails have 4 complaint ticket numbers alone with chime and all ive gotten from them is an automated email letting me know absolutely nothing it is now XX/XX/2021 and I'm yet to hear anything I've been told that were putting you at the top of the list Mr for this to be resolved nothing im getting evicted from my home i have all the emails I've sent to chime I have all my ticket complaint numbers they are so unprofessional when it comes to humane kindness this matter should have been immediately followed through with I've been thorough alot of pain and suffering through the pandemic like everyone else but along with this my rent due kids in the house hungry just hard times
Product: Debt collection

I tried to explain to the creditor that the debt does not belong to me
Product: Debt collection

This debt was included in my bankruptcy. It can't be on my credit bureau
Product: Vehicle loan or lease

I paid off loan. There was an overage that BB and T did not send to me- they sent the overage to a 3rd party. Additionally, BB and T has my updated address but did not provide to the State of Texas so now my title is lost. I have sold the truck to a 3rd party and now I am unable to perform on fulfilling my obligations. BBT has tarnished my business reputation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has put a inquiry debt on my credit report by contacting Experian to do so as of XX/XX/XXXX. I did not give them permission under the fair credit report act to do so. I have filed an police report of Idenity theft at the XXXX XXXX XXXX  on Yesterday XX/XX/XXXX also contacted XXXXXXXX XXXX  yesterday to have them to remove this off of my credit report. This issue was reported by me last year and removed under the fair use credit report and put back on my credit report as of XX/XX/XXXX. This charge was supposedly charged off my credit report and removed back then. The debit was in XXXX car was voluntary given back to XXXX in XXXX they sold this vehicle 3 weeks later. It is now XXXX and Experian is still reporting this debt on my credit history without my permission as I used the fair act credit report dismantle of reporting any credit debt without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is CROSSCOUNTRY XXXX XXXX XXXX XXXX XXXXCROSSCOUNTRY MORTGA on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.
Product: Bank account or service

I recently contacted Bank Of America for a dispute, and told me it could n't be done! I said What! I had {$210.00} taken out of my account, and it was not authorized by me. XXXX took the funds out my debit, and my wife 's! They should of just been from my wife 's account not mine! I just noticed, Because I am - {$72.00} and I said how! So I call and the guy tells me I ca n't do anything for you right now! I do n't know if Bank Of America does n't like me for filing a complaint on the way they handled my case before! I love this bank and I hate to fill these complaints out, but I do n't have much money and ca n't afford these set backs, and crazy fees, and shadiness these banks do!
Product: Credit card

XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. 
Some person use my personal information, this is fraudulent purpose. 
This report to your Bureau, Thank you for your attention the matter. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX  : : claim #  XXXX  I called chase card benefits that my kids phone was stolen. She said to file a claim online which I did on  XXXX   XXXX   XXXX .   On  XXXX   XXXX    XXXX  , all I received from Chase was that I needed itemized sales receipted indicating the purchase of the price I am claiming.   - Your itemized sales receipt  ( s  ) indicating the purchase price of the item  ( s  ) you A police report was not requested til  XXXX   XXXX . When I received this email, I emailed back and called if we need to file a police report. Due to system error , Chase  needs to call me back. I didnt receive an email re : this police report or a call til  XXXX   XXXX ,   XXXX  . Chase is quite slow in processing this and many days have lapsed.     Also there was NO Prompts or mentioning in the claims online that a police report is needed!     Additionally the rep,  XXXX  called me on  XXXX  of  XXXX  requesting a police report. I told her and I have emailed you guys I can go and obtain a police report. She said, she needs to speak to someone or she needs to check something out.   On  XXXX   XXXX , she called stating the claim is denied because a police report was not in place.     Why wasnt I requested a police report in this email on  XXXX   XXXX  request?     I have been with chase when I was  XXXX   XXXX   XXXX . For 16 years, I paid an annual fee! If you look at my histories, I have purchased many expensive items! I do NOT have histories of filing lost or theft items at all. This is my FIRST item that is lost and this is how Chase treats me!     I feel chase is trying to avoid paying this claim. I am a good cardholder, I pay my bills on time, etc. I am not very happy. Whats the point in paying {$95.00} annual membership for? I paid this fee to have a sense of security when my item purchased is damaged and lost.       I will also file a BBB report and any other report that is necessary to have Chase cover this claim.     If I was told in the beginning or when I file this claim that a police report needs to be popped up then I would have filed a police report.       Sincerely,  XXXX   XXXX
Product: Checking or savings account

Capital One Bank has not deposited my husband 's direct deposit which was due to be in our account by this morning Friday XX/XX/XXXX. It is now XXXXXXXX XXXX  and I have had no update from Capital One since around XXXX last night via an email. This is unacceptable.
Product: Debt collection

33 calls from Midland. Sometimes 5 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a recent data breach that affected my personal information and resulted in identity theft. This breach has had a significant impact on my credit and my financial security. Below, I detail the actions I have taken to address the situation.
Product: Vehicle loan or lease

I sent a check for the full payment Of approximately {$17000.00} on the loan by priority mail. I provided the delivery confirmation to the lender Indicating the check was delivered to them on XXXX XXXX. The lender claims they do not have the check and they require me to wait 7-10 days for the mail to arrive. The check was sent priority and arrived on XXXX XXXX. As of XXXX XXXX they continue to claim they do not have the check. This is not acceptable. They dont even read the question when you send them inquiries. They just respond with prepackaged responses.
Product: Payday loan, title loan, or personal loan

This debt was a business loan that was claimed to be forgiven by management it was then paid off through a personal loan and is no longer a valid debt. 


Called me more than XXXX times within XXXX consecutive days, Harassed me through XXXX  and/or XXXX, Called me to collect payment without clearly identifying themselves as debt XXXX, Contacted me even after I requested for them not to in writing. Debt amount : {$19000.00} Company : Berman & Rabin PA
Product: Checking or savings account

On XX/XX/XXXX I received an email from Wells Fargo Bank informing me that a recent direct deposit from my XXXX XXXX XXXX account has been returned unpaid. I was charged a return deposit item fee of {$12.00} that would reflect in the coming days. I called Wells Fargo and spoke with a banker about why I am being charged for the other party 's insufficient funds. The banker agreed that this a very poor policy but said she was unable to stop the pending fee. I was told to call back after the fee posted and to discuss with Wells Fargo about refunding the fee after the fact.
Product: Credit card or prepaid card

I applied online for the Citi credit card and entered info for {$6000.00} balance transfer from my XXXX card so 0 % intro apr would apply. I was approved with {$9100.00} credit limit and transfer was approved with a fee of {$180.00}. I received my card, called to activate it then inquired about the balance transfer. I was unable to get info and told they couldn't verify my identity. My new card was placed in fraud status. I made 6 additional calls to resolve it and was told the same thing, they couldn't verify me. I provided passwords to account and because I didn't have an alternate landline #, they couldn't help. I am worried my XXXX card is compromised because I gave them all my info for a balance transfer. I requested the citi account be closed because it felt like a scam and was told they can't close it because it is in fraud status. I activated it this morning and didn't attempt to purchase anything with it!
Product: Checking or savings account

On XX/XX/2020, I deposited a cashiers check for {$1100.00} through a Huntington ATM into my checking account. On XX/XX/2020, those funds were posted into my checking account. That money was then sent through XXXX, provided by Huntington, to another person. On XX/XX/2020, the funds were reclaimed by Huntington along with a {$10.00} fee for a returned deposit item. I immediately called Huntington upon learning of the return. I filed a case with Huntington and XXXX. I have also filed a police complaint with the XXXX ( Ohio ) Police department and the FTC. Though I have no idea if that was the correct federal authority. The cashiers check was sent to me through XXXX for the purchase of an aquarium that I had posted on XXXX. Apparently the cashiers check was fraudulent. However, I had no way of knowing that until the bank informed me. I had done the due diligence that I could do in assuring that I was not depositing a bad check It was a cashiers check. My understanding was that a cashiers check was as good as cash. I had 2 phone numbers with which to contact this person. I had an email address. I also had a tracking number through XXXX. Understanding that everyone tries to be cautious with personal information when dealing with XXXX, I believed that I was protected. My options for further investigation are limited, obviously, as the typical citizen is not an expert in fraud, nor do I have access to another persons bank account. Huntington should not have cleared the check until they were aware of whether it was a valid check or not. If I had deposited a check from a neighbor that had insufficient funds, the bank would not have given me access to that money. Huntington informed me that it was my decade of being a good customer to them that encouraged them to release the funds prior to inspecting the check. The first Huntington employee stated that there should have been a hold placed on the check. When I inquired as to whether the bank would have been able to tell me if I had entered the bank, I was told no. Clearly, I have been a victim of fraud from the person that sent the check, but if I cant count on the bank to inform me properly, what protection do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a different amount showing on my credit report than what i bought. i have called multiple times with no regard for the fact that they have incorrectly reported two different amounts and they are both incorrect. i want it removed from my credit completely!
Product: Credit card

I saw an ad for the XXXX XXXX credit card on the XXXX XXXX XXXX dealer website. The ad said get a {$100.00} statement credit after 1st. purchase at the dealer. I called several times the First National Bank of Omaha, XXXX XXXX XXXX XXXX XXXX XXXX on how to get the credit and about a long delay in receiving the credit card. I made the 1st. purchase on XXXX at XXXX XXXX XXXX. I called the bank on XXXX because I did not get the {$100.00} statement credit. I spoke with manager XXXX. He said I will not get the {$100.00} statement credit because I took too long to make 1st. purchase. The several telephone calls I made did not explain the time limit on 1st. purchase. I think 1st. Natl. Bank of Omaha should give me the {$100.00} statment credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had sent a letter to XXXX on XX/XX/2021 about inquiries and the have not replied to my letters
Product: Debt collection

I XXXX XXXX was served papers around XXXX, XXXX from the court house in XXXX Tx, ( XXXX ) XXXX. XXXX XXXX XXXX, XXXX, is suing me, XXXX XXXX, ( XXXX ) XXXX ) for the amount of XXXX $ that they acquired from Synchrony Bank, on behalf of Pay pal. I have contacted Pay Pal, Synchrony Bank on the purchase that was made with neither company having any record of that amount in all totaled purchases using PayPal. When I contacted XXXX XXXX XXXX after several times and a week later, one of XXXX customer service people had told me the the Purchase was from a person with a last name of XXXX, and address of XXXX XXXX XXXX. XXXX NC XXXX, from which I have never been or have known of this person, or knowledge of any purchase from which was made. The Company suing me is where I acquired the name and address of this person that did make the purchase.The Credit Bureau has put this against me as bad credit. And needs to be reversed.
Product: Credit card

Hi, This is XXXX XXXX card act # - XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and have stellar credit, scoring in the XXXX range ( with the XXXX major bureaus ) This XXXX I applied for two chase cards and got instantly approved. I used the cards throughout the XXXX paid my bills on time, and early.However I was shocked when approximately 4 months after opening my account Chase bank notified me that my accounts were being closed, the reason they provided was " due to previous accounts with chase ''. 

About 8 years ago I had XXXX credit cards from chase which were all one day terminated due to " system generated closure '' at the time I attempted to get any more information I can from chase but no matter who I spoke to and sent letters to, no information was made available to me, other than " the account were closed due to a system generated closure '' I was very upset, as I had relationships with other banks, and hadn't had any issues with any other banks, and here I was not being given any tangible info, or any recourse to have it reviewed. 

So now when I got closed from chase a second time, for the same reason as the first I was really preturbed, as I have around XXXX credit card accounts with a few different banks, none of my accounts were ever paid late in my lifetime, I have a stellar record and rating, and I'm just being stonewalled by everyone at Chase Bank. I even went for review at chase 's executive branch and they claimed as well, that they have no information other than I was closed due to pervious account closure, and when they attempt to find the reason for the previous account 's closure they come up empty. 
I'm being persecuted and taken advantage of here, this is aggravating, and humiliating, and I demand to be reinstated and have my accounts be returned to their good standing, unless there's a valid reason for me not being able to have a credit account with Chase bank, of which I deserve to know, as I believe I'm being racially targeted here. I only wish a good resolution, I trust you will help me achieve one. 
Looking forward to an expeditious resolution, XXXX XXXX XXXX XXXX XXXX