23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX is insistently trying to collect {$760.00} from me for an alleged driving ticket issued in XXXX and unknown to me. Therefore, never notified. 

XXXX contacted me the first time approximately four months ago and claimed I owed money for a speeding ticket issued by a speeding camera in XXXX back in 2015. I have no knowledge of this ticket and I have asked XXXX by phone and by certified - return receipt dispute letter to provide me with a copy of the alleged citation and all other related documents - including all papers, photos, videos, correspondence, postmark with mailing date, certified mail notification signed by me or by a person authorized by me within 300 days from the date of the alleged violation, as required by the Italian laws, etc. 

As of today, I have not received any supporting documentation. However, yesterday, at almost XXXX XXXX, I have received another harassing call from a XXXX 's agent try to collect that amount of money again. 
They are obviously violating the ( FDCPA ) Fair Debt Collection Practices Act by not providing enough valid supporting documentation. Therefore, I would like not to receive anymore calls from XXXX. And, I'm requesting them to cease any further collection efforts, unless they're able to provide all the requested evidences and documentation. 
Thank you.
Product: Debt collection

I am writing to formally request the removal of an inaccurately reported charged-off account with Kohls Account XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Kohls Account XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Product: Credit reporting

Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, the consumer, has found Equifax in violation of the FCRA for 15 USC 1681a ( 2 ) ( B ). Equifax is reporting on my consumer report information pertaining to consumer credit transactions. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction on my consumer report. The accounts highlighted in the CEASE AND DESIST EQUIFAX should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that Equifax remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Equifax has violated my federally protected consumer rights and has ruined my reputation via my consumer report which has prohibited me from accessing credit necessary to carry out my personal use and care for my family. Equifax has put me in a very stressful situation by not immediately removing those accounts I have highlighted in the CEASE AND DESIST EQUIFAX document. 

Furthermore, Pursuant to 15 USC 1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I have given Equifax written instructions to remove the highlighted accounts in EQUIFAX CEASE AND DESIST document that's attached and Equifax still have not comply.
Product: Credit card or prepaid card

This is regarding my BOA Visa Card - XXXX. We frequently receive this very attractive offer for 0 % offer cash for a set amount of time. 

We take advantage of the offer, and still want to use the visa card that ends in -XXXX for purchases, knowing that I have to pay ALL purchases off every month form the prior months statement, with some of the Cash offer being carried for the term. 

Often, Bank of America Visa calculates interest on purchases which is not disclosed as part of the 0 % Cash offer. See attached statements and Letter to BOA regarding paying 100 % of our purchases and NOT carrying balances at all for purchases, in fact we pay off some of the cash offer borrowed earlier. 

We only ask for what's fair and in their favor appears to be {$84.00} that needs to be returned. We no longer use the card for purchases and we think that Bank of America should advise that customers who take cash advances not use their card for purchases unless they want to be charged interest. It does appear to be a mistake, as other credit cards that we have 0 % cash offers with with purchases being made & paid off every month have not had this issue. 

The Advertising offer mentions nothing about using the same card for purchases. Please see attached.
Product: Credit reporting or other personal consumer reports

Upon inspection of my credit report, I noticed the following information is incorrect : My full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

My date of birth is reported incorrectly. 

My social security number is reported incorrectly. 

My current address is reported incorrectly - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

You have an employer listed. This is not my employer, please remove from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Product: Debt collection

The information provided by the creditor is inaccurate and is not valid. I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy on my credit is old and should have been removed by the credit bureaus according to the FCRA. I have contacted them to remove it and they have refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a former complaint dated XX/XX/22. In the report this credit bureau has stated that the debts are verified. I'm requesting proof that the debt is myself. I have submitted a complaint about fraud on my accounts. I also have placed security freezes on my accounts to prevent future fraud. This company has failed to prove that it was I who owe this debt. Please provide proof that the disputed companies from the last complaint were indeed my debts. My credit report is full of inaccuracies. There are incorrect amounts of debt owed, incorrect dates, incorrect account numbers. I would like a full audit of my credit report. It has been reported recently that investigations for credit complaints are not done properly. I'm requesting a full audit of my credit report. I'm also requesting proof of debt. This would mean a hard copy of any documentation I signed with dates and proof these debts were indeed taken out by me.
Product: Credit reporting or other personal consumer reports

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies.

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.
Product: Consumer Loan

I cosigned on a vehicle for my son. Originally the dealer put the loan in my name with my son as to co-buyer. After I discovered this I had the dealer redo the loan and put my son as the buyer and myself as the co-buyer. 
The dealership did not file the corrected loan paperwork with Toyota Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Tennessee XXXX Acct # XXXX OneMain Financial XXXX XXXX XXXX XXXX XXXX, TX XXXX CC : Consumer Financial Protection Bureau XX/XX/2020 To Whom It May Concern, I am making a formal complaint regarding your credit inquiry process. 

I am distressed that you have reported multiple hard credit inquires to my XXXX  credit report when it was communicated to me by your representatives that OneMain Financial offers via XXXX XXXX were soft inquires and therefore would not appear on my credit report at all. It was also communicated to me that once I already had loan from OneMain Financial that any additional loan inquires would only be soft inquires. 

There should be only one hard inquiry on my credit reports for OneMain Financial. As it stands today my XXXX  credit report shows a total of FIVE hard inquiries from OneMain Financial which negatively impacts my credit rating. This is especially distressing because I was a great customer, always made my loan payments on time and even paid off my loan in full early. I did this thinking that OneMain Financial would definitely see me as a great customer if ever I needed to get a loan in the future ; however its a slap in the face to see that my great stewardship and diligence to build a positive credit trade line ends up actually hurting my credit score.

Therefore I contend that OneMain Financials processes for credit inquires exceeded expectations and was performed without properly informing me, the customer that these were hard versus soft inquires to my credit. I also contend that OneMain should do more to properly educate their representatives and potential customers on the difference between hard versus soft inquires as it was clearly not communicated to me that all credit reporting benefits of obtaining and properly paying on a OneMain Financial loan would be negated due to excessive inquires. Had this been properly communicated Im quite sure I would not have applied at all. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included.

The account details are as follows : Creditor Name : XXXX XXXX  Account Number : Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete.

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute.

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report.

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, my Barclays credit card was stolen from my car and was used in XXXX store for {$1300.00} without my authorization. Five attempts including emails and phone calls have been made with Barclays Bank since immediately after the crime regarding removing this charge. However the written response from the bank determined this charge to be valid without any reason given. 

I was shocked. With detailed police report ( XXXX XXXX Police Department # XXXX ) and other evidence present, how can this transaction be determined VALID? Has the signature been verified during the investigation? The bank does not response any more and does not remove the transaction. This is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed that my personal data was compromised by the Equifax breach in the summer of 2017. I assert that this breach was a combination of the lack of proper security controls ( initial breach ), the lack of sufficient security response ( duration of breach ), and the lack of transparency ( duration between knowledge of breach and notification of potentially impacted individuals ). While I have yet to  verify any loss, I will now incur charges due to putting in place credit freezes, credit monitoring, and am exposed to the potential of income tax fraud.
Product: Checking or savings account

Hello, My account with Capital one has been on deposit only for the past 3 weeks. I was never told this happened nor was anything sent in the mail. When I asked for an official document on why its on this status I was denied this. I have been told it for account verification and to reach out to a specific number ( XXXX ) XXXX. I have been given the same number to reach out to by multiple capital one call representatives. Each time it says the agent isn't available when I call. I have left a voicemail and no one gets back to me on the matter. I have sent in all documents needed but can't access anyone who can provide me with details on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$3900.00} DEPTEDXXXX   XXXX {$4800.00} DEPTEDXXXX  XXXX {$2000.00} DEPTEDXXXX  XXXX {$1600.00} DEPTEDXXXX XXXX {$4900.00} DEPTEDXXXX   XXXX {$3500.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$7300.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/XXXX I did an international wire transfer, from my account with Bank of America to an account in XXXX XXXX XXXX ( XXXX, XXXX ) in the amount of US {$4600.00} ( + fee of US {$45.00} ) For an unknown reason, the transfer was not executed and on XX/XX/XXXX I received a partial refund of US {$4300.00} ( that is US {$240.00} less than the original amount ). 

Bank of America could not explain the difference and has not been willing to give me any details in writing on the reasons for this partial refund, though all the data for the transfer was correct. ( I had done a similar wire transfer on XX/XX/XXXX to the same account with no problem ). I talked to the manager of the local Bank of America 's agency, but he did not have any explanation that he could put in writing and refused to provide any thing in writing. 

The question is : who took the US {$240.00}? 

In addition to that, how can a bank like Bank of America have no record of what happened or be uncooperative and unwilling to provide written support? 

Is this a fraud or a theft with a cover up? Are there other customers from Bank of America who have faced the same problem? Is this an example of a perfect theft with no paper trace?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, XXXX, and Experian. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.
Product: Checking or savings account

Chase Bank XXXX Withdrawals from Saving Account using Debit Card XX/XX/XXXX Our debit card was flagged due to possible fraudulent activity. We confirm the transaction was not innitiated by us and the card was " canceled '' and we were advised to cut it, which we did. 

XX/XX/XXXX XXXX saving account was accessed through a Bank ATM using the compromised debit card that was " canceled '' on XX/XX/XXXX. A total amount of {$4000.00} was withdrawn from our savings performing 12 different transactions in a ATM located in a Chase Bank branch building. We called the bank and reported the fraud the same day. 

After several calls, branch visits and 1 file complaint, today I called and was informed that they closed my claimed and they were not going to give us back our {$4000.00}. After the investigation they decided that it was highly unlikely that someone stole our money like that. 

We received no calls from the bank during their investigation, no letter with any resolution. We both were at work at the time of the withdrawals and our card cut to pieces in our trash can since XX/XX/XXXX, that card number should have been deactivated since XX/XX/XXXX, the phone record and the recording from the XX/XX/XXXX call ( which they innitiated ) should be available for them to review and confirm there was fraudulent activity with the debit card, they even have the bank and ATM cameras they can use, but none of these matter because is highly unlikely that someone get our information and stole from us like that. How is even possible that 12 ATM withdrawal transactions, on the same day, did not raised flags since this definitely was unusual activity in our account???