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

DEAR XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ; CFPB ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.

This company is reporting inaccurate and misleading information on my credit report. XXXX XXXX XXXX has a collection reporting on my credit report As a open but they haven't Provided payment history. They also have listed the last payment date for last year but are currently reporting a late payment at 120 days that makes no sense. This account is Fraud its a Volation of the fcra and the FDCPA. I have a strong case. I'll be more then happy to take this to court and sue this company for the maximum dollar amount the court will allow which is { {$10000.00} }
Product: Money transfers

sent money to a security company money, through western union they say it was received or was picked up but not to the person sent to did n't receive it the only solution they could come up with was western union got hacked and stole it
Product: Credit card or prepaid card

Update XX/XX/XXXX : I am seeking interactions from an office / official higher than the advocacy advisor as XXXX XXXX has not adequately answered my questions to include at what times the purchases were made to evaluate if traveling between purchases was even possible. I have recently attached the police report to USAA 's documents section for further documentation detailing the fact that I did not authorize nor make purchases with the credit card. Police report number : XXXX. I have an above 800 credit score, have never had any issues with USAA 's team prior to this and am continuing and will continue to seek fair treatment and restoration of the purchases detailed below before seeking legal action. 

I have been banking with USAA since XXXX and have not have any issues with them up until now. XX/XX/XXXX going into XX/XX/XXXX there was charges that I did not make via credit card that I had in my possession. I contacted the bank immediately to let them know that I did not make those charges. The charges are as followed- XX/XX/XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and then XXXX XXXX and XXXX XXXX where charged on XX/XX/XXXX. After I was made aware of those charges i was notified that this was possible fraudulent activity. I contact USAA immediately to let them know that this was not me. The person i spoke with was able to take them off and the statement appeared to reflect these changes. They also recommended that I cancel that card and get a new one which I did and destroyed the old one. I got the new credit card and everything was good until XXXX around the mid month and got a call from XXXX and they informed me that I was responsible of the charges and that there was no way that anyone could copy the chip. On XX/XX/XXXX I get this reversal of charges other then the XXXX from XXXX was restored to the card. I contacted them again and I get long holds and no contact with the fraud department. I have spoke with them twice but they have told me that I was going to be responsible for the charges since I had the card in my possession. Police report number : XXXX.
Product: Checking or savings account

I have over {$100000.00} on deposit in a Citibank savings account. I check the account balance from time to time, even though I have not been making additional deposits or withdrawals. Citibank sent me a letter on XX/XX/XXXX, saying that my account " will be considered inactive and may be blocked and subsequently closed, '' if Citibank doesn't hear from me within 15 days of the date of this letter. '' The letter further states that the funds in my account " may be turned over to the state as abandoned property. '' This caused distress because the amount of money is substantial. As I have been accessing my account online to check the balance, it seems unreasonable that Citibank should threaten to turn my money over to the state as abandoned property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to have the Three Agencies XXXX, XXXX and Equifax to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are needed further investigation and removal by the 3 bureaus XXXX Equifax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXXXXXX : Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXX and XXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and XXXX 

XXXX XXXX : Account XXXX XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

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

There a bunch of hard inquiries that shouldnt be on My credit report
Product: Credit card

Apple and is just being impossible letting me use my card for no reason but let someone else lie say they whered my child and apple let them run up a bill with card I reported everything even police report and everything and even took kid to court he was found guilty anpplill. O XXXX my card or usage back
Product: Credit reporting, credit repair services, 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 under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX {$360.00} has violated my rights. 

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 written instructions.

15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( XXXX ) 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. 


Transunion has constantly violated my rights Account name : XXXX XXXX XXXX has been removed twice. However Transunion constantly puts this fraudulent account back on my report with proof of documentations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Account number : XXXX - Original Creditor : XXXX XXXX This account shows as charged off in XX/XX/XXXX and so it should not be reporting every single month as CO as there should be no activity or attempts to collect. 
A charge-off account should not include past due balance. 
This account is not on my XXXX  or XXXX  credit report. 
Please remove this from my Experian report expeditiously
Product: Checking or savings account

We are a small business we have a business checking account with Bank of America with have 4 debit cards link to our business account, one if the debit card ending in XXXX was used to make a purchase of {$1400.00} with a company in another state this transaction is a fraud, we never made the purchase or received any goods from that company. When we first contacted the bank the transaction was still processing mode we advise our bank it was not us. The fund were still in out account and we told them to not honor the sale. They said the will open a case up to this date we still have not received credit for this amount and the bank closed the case indicating that it was authorized. 
We call back to the bank to once again open the case cause we never authorized or even have any contact with such company. They re-open the case again and few weeks later they closed it again. We call them to elaborate how they determined it was authorized we ask to know where this company supposedly send such purchase items or who they said authorized sell or at least to show us any proof of the sales. They refuse. 
Up to this date we are still waiting for an investigation report of this claim. We even try calling the company that shows In the statement and they said they have no record of such purchase. We have this debit card in our possession it has never left out possession.it has never been reported stolen or lost.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries
equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company agreed to refund me to refund the interest charges initially since I was misled by the representative on the online chatting. Called in many times to track the status and they went back on their word after 4 months ' waiting. Really disappointed about their inconstant service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the credit bureau for a while regarding these inaccuracies on my account they keep giving me automated responses I am a victim of the experian-XXXX data breach and have already filed my settlement with XXXX XXXX XXXX XXXX XXXX I'm requesting for Experian to read my documents and reinvestigate this issue and provide proof of validation In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
My rights way violated 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 USC 1681i ( 5 )
Product: Credit reporting or other personal consumer reports

There is somebody that has my same first name same last name. He has a middle name drivers license the same only off by XXXX number and I was trying to renew my insurance. My insurance company, which is XXXX stated that I have a bunch of violations on my record, which is not me I was able to find the person due to an investigation that was done I have tried to get a hold of the third-party company that does verifications for the insurance company to let them know that thats not me and show them the police report and paperwork that I have to support. It have not been able to get a hold of them or get a response from them.
Product: Debt collection

I first learned of a lawsuit against me on XXXX XXXX, XXXX from a collection company called Persolve LLC when the payroll department of the company I work for sent me a notification of wage garnishment for XXXX %. I reviewed the documents sent to me by my payroll department and found out I had a lawsuit against me first filed on XXXX XXXX, XXXX with proof of service of summons on XXXX XXXX, XXXX, dismissed on XXXX XXXX, XXXX then a judgement on XXXX XXXX, XXXX and writ of execution on XXXX XXXX, XXXX. I was never notified of the lawsuit, notified of the serving, notified of the judgement or wage garnishment. The original debt was from a $ XXXX credit card that went into default in XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX that Persolve LLC bought and turned into $ XXXX debt with an interest rate of over {$4.00} per day. Persolve LLC is not the original debtor and never served me or notified me in any way.
Product: Credit card

Company promised a refund of the travel insurance when I cancelled within the timeframe. Evidence is shown in the screenshot and XXXX that a refund is due to me. 
The total amount paid was {$450.00}, which includes {$370.00} for insurance and {$72.00} for assistance servicesgiving access to their global team of experts that can help with travel-related emergencies. I was only refunded for {$72.00} and not the entire amount. I explained this to Capital One but they refused to further investigate after sending in evidence of my cancellation attempts. Dispute number is XXXX
Product: Checking or savings account

On XX/XX/2024 I made a transaction which was flagged for unusual. No sure why because I sent money to this person before. How ever I was asked to send in documents to verify myself. My last name on this account is my maiden name. I sent them my current ID as well as my Birth Certificate, marriage certificate and divorce decree, my old ID with my maiden name of XXXX, a copy of my SSI card, and a picture of me with the date holding my current ID. I was told that this verified wasnt good enough and my account is still on hold. All my money is in this account and I have to wait till someone else reviews this. This is my second time going through this when I told them to update my last name last year. Now Im without money and no access to my account even doe I have gave more then enough to verify me.
Product: Vehicle loan or lease

This is somewhat of a continuation of a complaint about BBVA Compass Bank. Compass Bank had admitted to making errors and had apologized for them. They had retraced the amount supposedly owed from {$3300.00} down to {$1200.00} dollars. They admitted to taking a refund from the extended warranty and GAP policy. The extended warranty was {$2500.00} and the GAP was {$350.00} a total of {$2900.00} dollars. {$3300.00} minus {$2900.00} is {$420.00}. Compass Bank also did not included my monthly payment made in XXXX of 2017. Monthly payments were at {$270.00} dollars. So if I take the remaining {$420.00} minus {$270.00} that would be {$150.00} left as a remainder. Also in the recent past I had placed extra money onto the monthly payment. This paying above the regular monthly payment. So that being {$150.00} left of the remaining balance. Yet I will stress upon this again that Compass Bank did not return my prescription medication. Nor did they offer a refund, partial refund or any compensation of any kind. This medication 's cost greatly outweighs the remaining balance of {$150.00} by quite a bit.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$360.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have logged a dispute against a charge I did not do. Where they returned it was " accurate '' month and a half later. However supplied no investigation results, I can not login to my account or reset it ( been like this ever since I called in my dispute ). Where now there phone system just hangs up as well. Where I can not view any details or input additional comments. 

I 100 % know this charge was not me, and this investigation was mishandled or not done. I have had one, where they thought it was me. Just because they returned paper work. Where when I read it myself, did not have my name at all in the original charge. 

Complaint is about TransUnion not handling dispute investigation correctly, and making it near impossible for me to communicate to them for any input. As well as not providing the investigation results to accessible to me.
Product: Credit card

Unfair closure of my Capital One account I am filing a complaint regarding the unexplained closure of my Capital One account. My account, XXXX was closed by Capital One on XX/XX/year> without prior notice or a clear reason provided. 

I have been a responsible account holder, maintaining my account in good standing without any policy violations, or suspicious transactions. When I contacted Capital One customer service for clarification, I was given vague responses and was not provided with any specific details regarding the closure. Additionally, I was not given a proper opportunity to appeal or resolve any potential issues before the account was closed. 

This unexpected closure has caused significant inconvenience, including disruptions to my automatic payments, direct deposits, etc. Furthermore, I am concerned about the impact this may have on my credit score and financial stability in a foreseeable future.

I request CFPBs assistance in obtaining a clear explanation from Capital One, ensuring fair treatment for account holders, and helping me understand any necessary steps to resolve this matter. 

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.
Product: Student loan

I tool out a private loan with ASFG when starting XXXX college. They closed their doors before I finished school. I do n't believe I should have to repay when I have n't finished my education. I am getting harassing calls. It needs to be stopped. Of other students are getting their loans wiped, I believe money should be tok.
Product: Debt collection

I have done all that was asked of me by this bank. But they continue to close my claims. I need my funds and I gave them all the information I have included is a police report against my x wife. And they still will not give me any kind of provisional credit or anything. I believe I have been filed as a creditor. I don't understand how they keep getting away with these crimes .I have filed a police report and gave it to them also there not anything eles i can do or give i gave you and the bank of America everything.
Product: Vehicle loan or lease

I was a co-borrower on a loan with my son with Wells Fargo. He was 2 weeks behind on his payment. I called the company and told them I was going to make the payment so it wouldn't hurt my credit. They refused the payment and told me I had to pay 2 months or they would not accept anything. I could not afford 2 months and explained it to them. They said that was my problem and I would also have to pay late fees for the 2 months. I told them I would refinance the vehicle. I secured a new loan, and called them with the information. It took a few days past the end of the month to pay it off. They then put a late payment on my credit report. I called them and explained what was going on and they said too bad, not their problem. My credit score was impacted for 7 years till it finally fell off.
Product: Checking or savings account

I uploaded a mobile check and the bank Chime waited XXXX days to give me {$200.00} of the check upload deposit then made me wait XXXX days for the remainder. And now XXXX still waiting for the remainder of the check promised. I uploaded a mobile check, and Chime initially gave me {$200.00} after a XXXX wait. They then made me wait XXXX more days for the rest of the deposit, and now I'm still waiting for the remaining amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX  XXXX XXXX Balance Owed : {$370.00}.
Product: Debt collection

Company is attempting to collect on a fraudulent private loan that I was forced to take out by the XXXX XXXX XXXX XXXX XXXX. I have submitted a complaint regarding this in the past. Please see case XXXX. I have attained legal representation regarding this act of theft. My legal counsel instructed me to obtain a copy of my original promissory note. This has yet to be delivered. Navient actually sent me another students promissory note in one request ( Breaching that students right to confidentiality ) and completely ignored my second request. With that being said, I am demanding I be released of all liability regarding this dept or I will urge my lawyer to take this case alongside many other to court in a class action toward the XXXX XXXX and navient.