23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a closed account with American Express. I have been making my monthly payments. XXXX is now harassing me at work. I contacted American Express and although I am making payments directly to them they said there was nothing they could do.
Product: Debt collection

I have been receiving repeated phone calls all from toll free numbers with area code XXXX. 
Starting XX/XX/year> : XXXX, call back number on message XXXX. 
XX/XX/year> : XXXX XX/XX/year> : XXXX : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX They say the are from LLC receivables LLC DBA RMP Services LLC. They never tell me what it's about but ask me to call them back. Clearly, it's a scam. 
XX/XX/year> : XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Cash App paymentXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Product: Mortgage

At the beginning of the year, I asked DiTech if they did biweekly withdrawals from my checking account to pay my mortgage biweekly. They said yes and I approved them to start withdrawing {$600.00} every 2 weeks. That worked for 1 month until the first problem happened. They changed the dollar amount on the withdrawal themselves to {$590.00}. that went on for 2 months. Then the next problem was that they changed my account number without notifying me. I was told by them that they upgraded heir system and everyone 's account # changed without notifying any of there customers. 
This is where the real problems started in XX/XX/XXXX. I started getting phone calls saying I I was late on my payment and that I needed to get caught up. This was not possible since they were the ones taking my payment out of my account. After multiple phone calls and talking to supervisors we finally discovered the problem. They had somehow partially applied my payment to principle and left the other part in suspension which now was not enough to make a full payment. ( I do n't understand this either ). I was told that there new system did this to many people. Now it is XX/XX/XXXX and they still do n't have the problem fixed. I stopped the Biweekly program XX/XX/XXXX because they can not be trusted to handle it correctly and I have been making full payments for XX/XX/XXXX and XX/XX/XXXX. Now here is the real problem. 
Not only have they not fixed the problem, but I get harassing phone calls 3 times a week from a different person every time. I was told by XXXX different supervisors that my name and phone # would be removed from the call list until they fixed the problem. 
That turned out to be a lie. Now they are calling my work phone and still harassing me over a payment that they have. I am not behind on my payments. I have had this house for 14 years and always paid early and extra. DiTech took over XX/XX/XXXX and it has been a nightmare ever since.
Product: Credit card

On XX/XX/year> an unauthorized online cash advance was taken out on my Wells Fargo active cash visa credit card. The amount was XXXX. I asked Wells Fargo to remove it. It wasnt me who did it. Wells Fargo cancelled the credit card and issued a new one. Unfortunately Wells Fargo denied my fraud claim.
Product: Checking or savings account

On XX/XX/2021 at approximately XXXX. My account was breached and funds were took in out for a total of XXXX. Phone number including pin and password were changed in my account. They suspended my account because of a money transfer now I have no money and chime isnt giving me answers. They unauthorized merchant was ( XXXX ) for a total of 4 times adding up to the amount listed above. The bank is also sending me fake emails to portray as them to reset my password information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Remove the following fraudulent information completely from my Credit Report : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$23.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, My name is XXXX XXXX I recently realized that my work checks were being garnished by XXXX XXXX. I purchased a XXXX XXXX XXXX on XX/XX/XXXX through XXXX XXXX XXXX and unfortunately I had to voluntarily return the vehicle to XXXX XXXX due to numerous of issues the car was having that I was coming out of pocket paying for, before it had even hit a year I was replacing many major parts on the vehicle I eventually had to give it back because the gas line on the car was broken and I was told if I continued to drive it would eventually catch fire. I returned the vehicle and was told by XXXX if they sold the vehicle I would NOT be responsible for the remaining balance on the car and if it wasnt sold I would be. I was never ever informed on if the car was sold or not so I genuinely took the no call back as if they sold it and I owed nothing. Until I seen it on my Credit several years later but that it was closed and it had been Charged off as bad debt Profit and loss write-off with XXXX on XX/XX/XXXX. I received my work check on XXXX XXXX and noticed {$300.00} was garnished from my pay I was not informed by my job that I would be being garnished from anyone, I contacted my jobs HR representative and was showed a court document stating I was being sued for {$10000.00} by XXXX XXXX for this vehicle. I contacted the courts and was told that i was severed at an address that I DO NOT LIVE AT and that i could file a motion but would still be liable to pay for the vehicle. I am a single mother I do not just have {$10000.00} and absolutely can not afford to have my checks garnished and also I feel as if I shouldnt be held accountable for this vehicle it was my very first car and I feel as if I was totally ripped off the car didnt last me but for a few months i was paying out of pocket to repair the car just to keep it afloat. I was never given any documents about being sued nor made aware that XXXX XXXX was still seeking me to pay for the vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with XXXX, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

ncorrect Name - XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX EMPLOYER - XXXX  XXXX
Product: Debt collection

Below is a copy and paste from an email I received stating I received medical services from XXXX XXXX XXXX XXXX XXXX. This is false and absolutely identity fraud or a scam/phishing attempt. They state they are XXXX XXXX and then claim they are addressing XXXX XXXX, who I have never heard of. 

Whether by accident or intentional it was sent to my email not associated with this individual and an attempt at fraud.

Monday to Friday | XXXX XXXX XXXX  CST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX : Record Number : XXXX Credit Systems International, XXXX XXXX XXXX XXXX collector. We are trying to collect a debt that you owe to : XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt.

Our information shows : You received medical services from : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX with account number XXXX As of : XX/XX/XXXX, you owed : {$81.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$81.00} As a reminder, XXXX previously provided you with an itemized statement through the XXXX  web page and mobile application or on paper regarding your charges. The detailed information is still available for you electronically, but you may also request a paper copy by contacting XXXX XXXX XXXX  department at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record XXXX XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Debt collection

XXXX XXXX is reporting a judgment on my credit to all the agencies that judgment was discharged in XX/XX/2017 it is illegally fraudulently and on ethically being reported on my credit two years later it needs to be removed and my credit score needs to be adjusted immediately
Product: Student loan

The following disclosures required to be included in an application for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included in any of the applications for the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; whether the interest rate will be higher if the loan is not co-signed or guaranteed ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance and how to obtain more information about Federal assistance. 
The following disclosures required to be included at the approval stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance ; how to obtain more information about Federal assistance ; consumer 's right to accept the loan until the expiration of the acceptance period and the date upon which the acceptance period expires. 
The following disclosures required to be included at the final disclosure stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : consumer 's right to cancel until the expiration of the cancellation period and the date the cancellation period expires. 
Additionally, Chase has failed to provide evidence that funds for the academic period from XXXX 2008 to XXXX 2008 were actually disbursed, even though Chase is demanding repayment of same, despite repeated requests.
Product: Checking or savings account

I have a savings account with XXXX XXXX XXXX and I tried attaching an external account at PNC Bank where I have 2, checking accounts and 1 savings account. XXXX XXXX XXXX informed me that PNC has blocked customers ability to attach PNC accounts to XXXX accounts for external transfers thus making it difficult for me to move funds from one institution to the other.
Product: Mortgage

On XX/XX/XXXX - I contacted Bank of America 's mortgage customer service line in efforts to make automatic drafts out of my account on XX/XX/XXXX and XX/XX/XXXX. My monthly payment is {$720.00}. The representative I spoke to put in the system the dates I requested and provided me with 2 confirmation numbers. On XX/XX/XXXX I received an email stating that BOA had not received my promised payment and that I needed to contact them immediately. I called BOA to inquire why the payment was not drafted from my account they responded by saying that my property was in the process of being foreclosed on. I asked if I could make a payment right then and there they stated no because of it's current status. I was then offered an opportunity to apply for a loan modification I received the necessary paperwork to apply for the modification and now a WEEK later there is a sale date on my home. It's like I never had a fighting chance to get my account current
Product: Credit reporting or other personal consumer reports

GM Financial Account XXXX XXXX XXXXXXXX Dear GM Financial, I hope this letter finds you well. I am writing to formally dispute the charge-off reported on my account # XXXX which is currently listed as a charge-off/ profit loss on my credit report. I would also like a 1099 form to validate this debt.

According ti the law. I believe this charge-off should be removed because you already wrote it off to the IRS as a loss and you can not collect twice on this debt.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. I kindly request that you provide me with documentation that verifies the validity of this charge-off, including any relevant account statements and correspondence that support your claim. 

Additionally, I would like to draw your attention to New Jerseys Consumer Fraud Act, which protects consumers from unfair or deceptive business practices. If this charge-off is found to be erroneous, I expect it to be corrected promptly.

Please respond to my dispute within 30 days of receiving this letter, as required by law. I appreciate your attention to this matter and look forward to your prompt response.

Thank you for your cooperation. 

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

I am writing this letter to request the removal of an inquiry that was made on my credit report without my prior knowledge or consent. The inquiry is affecting my credit score and my ability to obtain credit. 

XXXX XXXX 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 card

On XX/XX/2024, I submitted online for a Capital One XXXX XXXXXXXX card due to the advertised cash bonus of {$200.00} for spending a minimum of {$500.00} in the first 90 days of card issuance. Along with this offer by Capital One was a free XXXX XXXX account on the card up to XX/XX/2024. 

I was approved instantly online. About a week later, I received the physical card in the mail. Upon setting up the card, I signed up for XXXX XXXX and have been routinely receiving the membership fee reimbursement in the form of a statement credit from Capital One XXXX XXXXXXXX. So that left the other {$200.00} cash bonus which I had spent {$500.00} within the first month, and paid it off in full. I was supposed to receive this {$200.00} cash bonus by meeting that {$500.00} threshold within the first 90 days, but when I called into XXXX to inquire why I did not receive the {$200.00} cash bonus they said that I didn't " qualify ''. I then had asked to speak to a supervisor. Then the phone customer service rep told me the supervisor or higher-up would contact me via email in 2 weeks by XX/XX/2024 explaining why. Today, XX/XX/2024 I just received that return phone call by someone from Capital One leaving a voicemail to call the back at the general automated customer service number XXXX. I also just received an email today stating : << '' Thank you for contacting us regarding your rewards! 

We have reviewed your request to be awarded a bonus and found that your account does not qualify based on the terms of the product for which you applied. 

Remember, you still earn 1 % cash back ( more in select categories ) for every dollar you spend on purchases! " XXXX I am certain and sure I had signed up for the {$200.00} cash bonus offer through XXXX. See here : XXXX XXXX XXXX I also XXXX the XXXX XXXXXXXX offer and everywhere it states there is a {$200.00} cash bonus for spending {$500.00} in the first 90 days. It is universally everywhere. So for Capital One to renege on what is false promotion if they don't honor the advertised {$200.00} cash bonus is just plain deceptive and wrong. 

Please assist me on this matter in getting this right and holding Capital One to their honor and advertised words. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I was contacted by XXXX XXXX  to gather a little more information for my vehicle loan. I informed the woman that I was not applying for a loan for a vehicle and her response was uh oh. After that I found that someone was trying to purchase a vehicle in three different states from five different dealerships while doing so online, I found that he had stolen my identity And put a stop to it immediately as well as a freeze on my credit bureaus I was able to dispute it. I believe it was XXXX  and XXXX but Trans Union will not remove it. The only thing I am concerned about is what happened on XX/XX/XXXX on my credit bureaus, as that was not me. I was also told to go to the sheriffs department and they will write a complaint that I can forward to the credit bureaus, but when I went there, they said they do not do that.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Accounts on My Credit Report To Whom It May Concern/ Experian, I am writing to formally dispute multiple accounts listed on my credit report that do not belong to me. I have been a victim of several data breaches, and as a result, fraudulent accounts have been opened in my name. I am requesting that these accounts be removed from my credit report immediately. 
The names are incorrect, addresses, phone numbers, inquiries, delinquencies, open accounts, closed accounts, accounts that are falsley reporting information I insist that these unauthorized accounts be removed within four ( 4 ) business days as they are not mine. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must investigate disputed items and remove any unverifiable or inaccurate information. 
Please find attached copies of my identification and any supporting documentation to assist with your investigation. I request that you send me a written confirmation once these accounts have been deleted from my credit report. 
If these accounts are not removed in a timely manner I have already contacted CFPB and escalated this matter and will seek legal action if necessary. 
I appreciate your prompt attention to this serious matter. Please confirm receipt of this letter and provide an update on the status of my dispute as soon as possible. Since I can not trust any of your companies with protecting my personal and private information then I will be taking legal action. I have record of when I contacted Experian over the past several years and you all will not remove inaccuracies, Im not sure why but this is ruining my credit history and reputation you had that I filed bankruptcy also and I have a letter from the.