23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Credit Karma money spend account waa locked but somehow my whole tax return was able to be deposited into my account. I then submitted the necessary documents to get my account unlocked and nothing!!!! 
Im not able to withdraw my money and my account is still considered frozen. I can not speak to the specialized team/fraud department that is handling my claim the only information I get is that my claim has been escalated and its process. And someone from the special team will get back to me. I have callled 3 times a day for a week and I have emailed every day. I have no money and my bank account is overdrawn XXXX. I am accruing returned fees and overdraft fees. No one can help or give me a timeframe as to when my account will be unlocked or the issue resolved.
Product: Credit reporting or other personal consumer reports

I did NOT authorize ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, to run my credit report. I have filed a FTC identify theft report and want the inquiries removed from my credit.
Product: Credit reporting or other personal consumer reports

I am receiving letters from companies that I have no ideal. I have done no business with about money old to the companies. Also, I am receiving reports daily about credit that I have no idea of and collections. Sent letters to these companies no response.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Cease Harassment and Remove Unauthorized Transactions from Credit Report Dear [ XXXX, XXXX, Experian I hope this message finds you well. My name is XXXX XXXX, and I am writing to address a pressing matter regarding unauthorized transactions that have been added to my credit report without prior notification or authorization. 
Also reading the itle 18 of the United States Code ( USC ), Section 241, is a federal statute that addresses conspiracies to deprive individuals of their constitutional rights under the color of law. In simpler terms, it makes it a federal offense for two or more persons to conspire to injure, oppress, threaten, or intimidate any person in the free exercise or enjoyment of any right or privilege secured to them by the Constitution or laws of the United States.

Here 's a breakdown of the key points of USC Title 18, Section 241 : Upon reviewing my recent credit report, I was alarmed to discover that transactions from [ Specify the Transactions ] have been included without my consent or acknowledgment. This unauthorized activity not only violates consumer protection laws but also has a detrimental impact on my creditworthiness and financial stability. 

Under consumer law, it is imperative to adhere to regulations that safeguard individuals from unwarranted harassment and unjust collection attempts. The inclusion of these unauthorized transactions constitutes a violation of my rights as a consumer, as there was no permissible purpose or engagement established for such actions. 

Furthermore, I must emphasize the adverse effects this unauthorized reporting has had on my credit approval process. The presence of these inaccuracies, specifically the charged-off accounts from [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX  undermines my ability to obtain fair credit terms and opportunities. 

In light of these circumstances, I kindly request the following actions : Immediate removal of the unauthorized transactions associated with my account from all credit reporting agencies. 
Cease all collection attempts and communication regarding the disputed transactions. 
Provide written confirmation of the removal of said transactions and cessation of collection efforts. 
I urge you to address this matter with the utmost urgency and diligence to rectify the erroneous reporting and alleviate the undue stress and inconvenience it has caused. 

Please acknowledge receipt of this letter and provide a timeline for resolution of this matter. Your cooperation and prompt attention to this issue are greatly appreciated. 


Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX [
Product: Debt collection

Dear ASSETT RECOVERY solutions, Mosaic I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : XXXX 2.JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). 
If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. 
IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Debt collection

Professional Debt Mediat is not treating me right. They are saying that I owe a debt of {$1100.00} and I DO NOT. I am a victim of identity theft. I have contacted the credit bureau as well and no action is being resolved.
Product: Student loan

I told them I was unable to make payments and they only suggested I go into forbearance not offering me any repayment plans
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not fix my my address even I did send letter about old address. I did not live in XXXX WA before and they did not move that address out because they said its address reported from my collection but I never live in XXXX WA. I was living in XXXX during XXXX XXXX, XXXX, and I never lived in XXXX WA . They reported wrong information and they did not remove out. In the past, I did not live in XXXX, and the collection was not belong to me. Equifax did hurt my credit report. Even I did send letter to discourse wrong information, address to me. I need justice. During XXXX, I only lived in XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX They reported wrong about XXXX WA, I never lived in XXXX. They did not remove out XXXX address and the wrong collection. I need help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 notified Capital One Auto Finance that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.
Product: Credit card or prepaid card

I contacted the company in XXXX XXXX  2019 to inform them of the sudden passing of my father. I informed the rep that in needed and extension or forbearance due to having to help pay for funeral arrangements. The rep was nice but said I didn't qualify for any extension or forbearance. The unwillingness to work with me was very disappointing since I had been a prompt paying customer up until that point.
Product: Credit reporting or other personal consumer reports

So my bank had a wrong social security number for me on file. I fixed this issue with my bank however the credit reporting companies such as Experian or XXXX XXXX still are using the wrong social security number. If I type in my correct social security number a report can not be generated, but if I type in the previous incorrect number the report is generated. I have tried calling Experian numerous times and am at my wits end with trying to fix this issue as it has been like this for over a year. Again, my bank now has the right the right social security number but I can not generate a credit report.
Product: Debt collection

On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by navy federal and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XX/XX/XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with navy federal or go to court to vacat the judgement and now we are not able to pay our rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not company who ever over credit score my credit score drop XXXX XXXX  over 2 % change to my credit card this must be computer error in pass I use more than that and it never drop XXXX XXXX who do I talk to about credit scores
Product: Vehicle loan or lease

contact  XXXX  letting them know this is not my account. Also contact ed Santander they   state they do not have me in their system. This is not my account at all.   XXXX   has my birth year incorrect along with address that I never lived at. This is not my account never had an autoloan until last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA fo  rm is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.
Product: Debt collection

The disputed charges stem from disconnecting my service with XXXX because I was moving when I resided in New Jersey in XX/XX/XXXX I received a bill and I have made numerous attempts to receive clarification as to what I 'm being charged for. On XX/XX/XXXX, I spoke with XXXX from XXXX and she did not know what it was. I received XXXX notices from debt collection agencies and I demanded a verification of the debts, which no one has responded to. On XX/XX/XXXX, I spent over XXXX hours on the phone with XXXX agents, including XXXX, XXXX, XXXX, XXXX and XXXX with no resolution. I have copies of all of the letters and notes regarding my communications with XXXX and its agents. I have spoken with XXXX from XXXX and he explained that the debt was for my failure to return a card and an early termination fee. I then sent XXXX proof that that I have sent them the equipment that they claim that this debt is related to. This debt has been reported to the credit bureaus in clear violation of the FDCPA. XXXX and its debt collectors have erroneously reported this debt on my credit and I demand its immediate removal.
Product: Mortgage

Dear CFPB, I, like many Californians, have been fighting to keep my home. I lost my job in XXXX and while I could not make full payments, I made partial payments that the mortgage holder, M & T Bank, accepted for several years. Once housing values began to rise, M & T Bank began a series of moves intending to foreclose on my property. The foreclosure was in place and going to court when I hired a law firm that claimed they would help. They only thing they did was send a letter letting the bank know I was now represented. They did nothing to negotiate lower payments or a more reasonable payment schedule. 

However, I was able to get a loan modification agreement in place with M & T Bank. I have paid every payment on time, in full as required by the agreement. M & T Bank claims they did not receive the payment for XXXX XXXX ; I have a copy of every cashed check since XXXX XXXX when the 1st trial payment began. They received the XXXX XXXX payment of {$1800.00} on XXXX XXXX, XXXX and my bank cleared the check on XXXX XXXX, XXXX. 

They have been reported to all XXXX credit agencies that I have been late on my payments since XXXX XXXX when I began my XXXX trial payment for the loan modification program. They claim I was late for my payment in XXXX XXXX - they received the payment on XXXX XXXX, XXXX and claim that I was late in XXXX XXXX when they received payment on XXXX XXXX, XXXX. 

They have been trying different ways of foreclosure for the past two years and destroying my credit is just another method. I have called the bank a number of times to try to get them to fix the problems and refund the late fees that I paid in XXXX XXXX but did not owe but can not get anyone to actually sit down and fix the errors on their end. 

I am almost XXXX XXXX XXXX, without funds, XXXX and ca n't continue to fight them by myself. I have filed disputes with the credit agencies but they are waiting for M & T Bank to respond, and M & T Bank has no impetus to respond ... in the meantime my credit rating is taking a huge hit. Please help! I can send you copies of all the cashed checks to prove I paid every payment on time. 

Thank you in advance for your time and consideration.
Product: Debt collection

My wife received a phone call from a blocked unknown number several times a day every day. Finally decided to answer and they were looking for myself or my wife. They asked if we were still married and began to say stay on the line for information about a possible Lawsuit. The line transfered and it was a guy being very harassing to my wife asking if we were still married she said put me on the do not call list and then the rep from midland credit stated he will sue for debt if she hung up. And she hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX XXXX XX/XX/2013  The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

Sincerely, XXXX XXXX
Product: Credit card

I have been a loyal Chase customer for over 11 years and just recently my Chase account was reported negatively to the credit agencies. I am requesting for all negative credit reporting to be removed from all XXXX credit agencies. I was 33 days late on a payment. I never received any phone calls or notification from Chase to inform me of this late payment. This is my first ever late payment reported and I need this removed due to not receiving any phone calls, emails, or letters from Chase to inform me my account was delinquent. I feel because Chase did not properly contact me to inform me of the delinquency, I should not be held responsible for being 33 days late. As soon as I found out about the delinquency, I paid it immediately. I am currently in my residency and can not have this negative remark on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed via USPS Priority Mail a letter to Citibank to pay off the balance with a XXXX XXXX check # XXXX in the amount of {$1500.00} stapled to the letter. A receipt from the USPS was received two days later that the letter was delivered to Citibank on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX a statement was received from Citibank that ( 1 ) failed to acknowledge receiving check # XXXX, and ( 2 ) added a XXXX past due fee of {$39.00} and a {$29.00} interest charge! After sending Citibank a letter of inquiry on XX/XX/XXXX asking why they did not deposit check # XXXX, a letter from Citibank dated XX/XX/XXXX stating they " were unable to locate your payment and you may want to request a stop payment on the original payment. '' [ NOTE, THIS WAS THE SECOND TIME IN THREE MONTHS THAT CITIBANK LOST ONE OF OUR CHECKS! Citi had ALSO previously lost our check # XXXX mailed to them XX/XX/XXXX, but later found and deposited it. 
After sending Citibank another letter dated XX/XX/XXXX disputing interest charges and late fees being added every month because Citibank had lost our XX/XX/XXXX check, we sent another XXXX XXXX check # XXXX in the amount of {$1500.00} to replace the XXXXXXXX XXXX check # XXXX that Citibank lost. 

Citibank has flatly refused to address the truth that THEY lost check # XXXX stapled to my letter the USPS delivered to them on XX/XX/XXXX at XXXX XXXX. They continue every month to add more interest charges and fees, failing to acknowledge that they lost my check and are trying to penalize me! I have no plans to be continually bullied by Citibank and am becoming concerned about my credit score if the CFPB can not confront Citibank on my behalf to protect me and my credit reputation!
Product: Debt collection

This company has not provided verification or validation of this debt. This does not belong to me
Product: Debt collection

In response to Case number : XXXX, Northland stated than an alleged account was " opened on or about XXXX XXXX, XXXX. I beg to differ. For one, XXXX did not come into existence until XXXX, with the merger of XXXX and XXXX banks. In XXXX, I had accounts with a different financial institution, which has NO RELATIONSHIP whatsoever with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, account number XXXX is wrongfully appearing on my XXXX and TRANSUNION credit bureau reports.I have never ordered or used a XXXX account.It is highly probable that it is the result of identity theft.In early XX/XX/2015 my car window was broken and my purse inside was stolen.The XXXX XXXX Police Department came out and  made a report.Inside my purse was all my ID and credit cards. 
I have had this problem on a number of accounts not opened by me.