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

on XX/XX/XXXX I opened up a market savings account I opened it cause of the good apy that was offered anyways XX/XX/XXXX deposited {$100.00} XX/XX/XXXX deposited {$7500.00} and XX/XX/XXXX deposited {$150.00} I have a total of {$7700.00} that discover is trying to steal from me they frozen my account on XX/XX/XXXX I have been trying to call them without no success I have been trying for over 4 days now I get put on hold for 3-4 hours and then they hang up on me All my money is in that account and I couldnt even have access to my money I had no way to pay for rent or buy groceries I also have XXXX and couldnt even get my medication this has put a big hazard in my health and life so I had to get a {$3000.00} Loan just so I can keep a roof over my head and medication that is over {$700.00} something needs to be done about discover they have taken money from others as well I also had to sell some of my things in order to finish paying off my bills I have all proof of shut off notices and deposits into the account this bank is the worse
Product: Debt collection

On XX/XX/2018 at XXXX pacific time my maternal cousin received a phone call from XXXX XXXX XXXX claiming that I owe so much money on a checking account from XXXX XXXX and if this matter isnt resolved they are going to take legal action. I called the number they left. It rang once then music started and then a man picked up. In the conversation I had he accused me of theft of stealing goods or services. I asked him for the name of the company he represents then I looked it up using XXXX and every thing that came up under that company was linked to extortion scam. When I brought this up to him, he immediately hung up.
Product: Checking or savings account

PNC closed my account without any letter or warning. XXXX XXXX and receive a deposit every month. I need XXXX, XXXX and to pay my bills. Plus automatic payments come out of my account each month. This is causing a XXXX to me and I will be getting late payments due to my account being closed.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX credit card was paid in full and closed.showing up on credit as derogatory when account should be showing paid. Aditionaly acct start date is wrong, payment status is wrong, credit limit wrong, opened day is wrong.
Product: Debt collection

Subject : Dispute of Fraudulent Debt - Coordination Request with XXXXXXXX XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I am writing to formally dispute a fraudulent debt collection attempt by XXXX XXXX XXXXXXXX, related to XXXX fraudulent checks made via my XXXX XXXX  which was hacked in XX/XX/2023. The specific fraudulent check ID numbers are as follows : XXXX. XXXX XXXX. XXXX XXXX. XXXX These charges were unauthorized and resulted from the hacking of my XXXX account. Despite reporting the incident to XXXX and having them acknowledge the fraudulent activity, these charges have been forwarded to XXXX for collection, resulting in ongoing harassment. 

I request that Telecheck coordinate with XXXX to rectify this situation and cease all collection attempts related to these fraudulent charges immediately. The continued attempts by XXXX to collect this debt are causing XXXX XXXX XXXX XXXX 

I appreciate your prompt attention to this matter and look forward to a swift resolution to stop the harassment from XXXX and clear these fraudulent charges from my record. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that your attempts to collect on the alleged debt referenced bellow are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p.

If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2022 its has been reported on consumer report that I owed a balance of {$820.00} to XXXX XXXX. However after filing a complaint with the XXXX XXXX XXXX ( XXXX # XXXX ) on XXXX/XXXX/2022. I was made aware on XXXX/XXXX/2022 in a response to complaint ( Case # XXXX ) that XXXX XXXX no longer owns this debt and has sold it XXXX XXXX. Thus proving the validation by the XXXX credit bureaus to be inaccurate. For XXXX months the XXXX credit bureaus have reported inaccurate information on my consumer report even after disputing this account. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the balance is inaccurate, the balance updated, and the account type reported is not accurate. This ground for removal. Delete this account immediately! 

They also violated the law because according to 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

We have notify XXXX XXXX in behalf of XXXX XXXX XXXX President and Managing Partner of this Fraudulent claim in the public newspaper. We spoke on XX/XX/21 and I inform her of their liability and the damage that they have directly caused with this Fraudulent claim of an debt being owe. This firm is Malicious engaged in Unauthorized practices of law which has cause myself and kinfolk unmeasureable distress which The CFPB has prima facie evidence of. XXXX XXXX XXXX President and Managing Partner is a foreign agent who has no authority over An Free America we have no contract with this criminal organization or his associates. Criminal charges will follow this claim for damages since these individuals are Knowingly and willingly committed Felony crimes against our unalienable rights of freedom and liberties. These individuals must cease and desist all nonconsensual communication regarding our privacy property and information. XXXX XXXX XXXX is engaged in treasonous behavior towards An American national which We the people are the true creditors of this state and this Fraudulent claim of an debt owe is Absurd. This property is clear from any cloud on said title. We have provided the discharge information and estate information in good faith to these tresspasser of law. 

LAWFUL NOTICE : DISCHARGE OF ALLEGED MORTGAGE BK : 60920 PG 369 LAWFUL NOTICE OF PURE TRUST CERTIFICATE : BK 65256 PG 108 NOTICE OF LIABILITY FOR ALL PARTIES INVOLVED DIRECTLY OR INDIRECTLY. ANY TRESPASS UPON XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX COUNTY, ALL TRESPPASER WILL BE ARRESTED AND CHARGE CRIMINAL. THIS ATTEMPTED OF UNLAWFUL CONVERSION IS TREASON AND MUST CEASE AND DESIST IMMEDIATELY AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
Product: Mortgage

My husband and I have filed chapter XXXX. We have had so much trouble with mortgage payment. First my attorney was unclear about our payment. Then this past XX/XX/XXXX the mortgage company changed and our payment went from XXXX to XXXX. Also are payments were not shown as paid and instead went into unapplied funds. So every month it was shown as past due amount. Can this be fixed?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax response was for me to list all inquiries that are fraud and needed to be removed. Also they have the police report in the system already. Below are the inquiries as follows : XXXX XXXX XXXX G Address Date of inquiry XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  Address Date of inquiry XXXX XXXX XXXX XXXX, WI XXXX XX/XX/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 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

CoreLogic was requested to investigate on an account that does not belong to me.

This account also had missing information reporting using terms like N/A, details left blank, - and still CoreLogic choose to send me a response saying that it has completed its investigation.

Pursuant to FCRA, no reporting agency can report information that can not be verified. Why is this account in my name when it is not mine and can not be verified?

I am days away from filing a lawsuit against CoreLogic and XXXX  for wrongful reporting and willful non-compliance of the FCRA laws.

This account is so inaccurate that on its CoreLogic XXXX report has the last date reported asXX/XX/XXXX, while the original CoreLogic has the last date reported as XX/XX/XXXX.

Both reporting the same account listed as XXXX XXXX. But reporting this account while it can not be verified with missing data.

After this complaint is closed, if this account is not removed from both reports ( CoreLogic and CoreLogic XXXX ) I will file a suit.
Product: Debt collection

Right around XXXX 2020, I received an alert from my XXXX XXXX saying I had a collection. I was immediately taken aback and surprised as I have never received ANY notice to this. It was a {$100.00} charge from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have never received a call, email, or letter. This balance had been paid by my father when it was due. I had to find the number of this collection agency and explain to them that I had this debt. I decided to just pay it just in case. They took my card information and only charged me {$30.00}. This was on XX/XX/XXXX, I had to call multiple times to get this collection fully paid. FINALLY, the full balance was paid on XX/XX/XXXX. I called again to complain. I tried to get more information and explain that this shouldnt have been on my report in the first place. They were rude and dismissive. My father and I have also tried calling the billing department of XXXX XXXX XXXX XXXX XXXX with no answer and no call back. I am very frustrated because my father has paid this bill when it was due and we are unable to get a hold of this company. I am also frustrated because of this were to be a legitimate collection, I never received one notice that Ive owed it. I am an extremely responsible person and never had a late payment or derogatory mark. My credit was excellent until this {$100.00} ( already paid ) collection appeared on my credit. I am trying to buy my very first house and this mark is driving up my rates.
Product: Vehicle loan or lease

In XX/XX/XXXX my VW lease ended and paid as agreed and my account it was closed. For my surprise until now XX/XX/XXXX VW didnt fix it the wrong report information on my account with credit bureaus. The credit report shows that a lot numbers of monthly payments it was paid late some of them shows more than 90 days late. I never paid any payment late. I called VW several times and CS apologized and said they will fix it but never did it. This wrong report still placed in my credit and still affecting my financial life.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$30000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inquiries that I did not authorize. 
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 XXXXXX/XX/XXXX
Product: Debt collection

Good morning to whom it may concern, on XXXX XXXX, I check my three bureau credit I see Jefferson Capital System send me to a debt collection I dont know anything about it! On Monday XXXX XXXX at XXXX I gave them a call I spoke to XXXX XXXX agent id number is XXXX. I told him kindly I dont know about this debt I have been have XXXX carrier for over five years and Jefferson capital system send me to a debt collection I dont even know about I want them to remove this collection to all my three bureau credit. The guy I was talking with told me I have this debt I told him if I have this debt why did Jefferson capital system change the date of the debt and they know they shouldnt be doing this its illegal because they know they shouldnt change anything from the XXXX  carrier! Dispute the collection with all three bureaus credit and Jefferson capital system hope CFPB help me fix this problem please and thank you Sincerely XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX  The woman on the phone began yelling at me immediately stating I owed a debt. She then hung up me after saying they had been attempting to collect money owed to Zoca loans. This was the first phone call they had made to me. 

The debt is now on my credit report. There are also 2 collection companies trying to collect on the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the free credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 ( a ) Section 2, it also states a consumer reporting agency can not furnish the account without my written instructions. Under 15 USC 's 1666 ( b ) the accreditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an XXXX account reporting on my credit since XX/XX/2020 and it has not been properly validated. 

Another issue is that they are reporting a charge off status past the charge off date which is a clear FDCPA/ FCRA law violation.
Product: Vehicle loan or lease

XX/XX/XXXX i was frauded for a Mercedes benz XXXX over the internet. The car was repossessed because i was denied the option to pay for it, in installments or full payment. I lost my job. On XX/XX/XXXX I paid the full amount of the vehicle to clear my credit. The full amount was {$15000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment on my credit report. After a thorough review, I believe there are inaccuracies that need to be addressed. 

Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been diligent in meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX have already updated their records for this account. 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Navy Federal CEO XXXX XXXX and the XXXX department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the Navy Federal CEO, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I was checking my credit report and noticed a hard Inquiry from a 100 % FAKE XXXX XXXX account. I'd like it removed ASAP and the criminals who did this shut down. But I'll settle for it being removed.
Product: Credit reporting or other personal consumer reports

My name, address, is not correct not even my name. 
Second I have numerous inquiries on my account I have charge offs in my account I did not make. 
I have reached out several times and all my disputes was denied. I want all the money owed to me due to my information being leaked in the data breach, my credit has suffered due to this, Equifax has violated my rights
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Costco Anywhere XXXX  Account XXXX XXXX Billing Inquiry Attn : Customer Service To Whom It May Concern : I am rewriting as there was no response to my letter dated XX/XX/XXXX ( copy attached ). 

In reference to the XXXX Statement ( page 2 of 3 under Account Summary, attached ), {$690.00} was charged as " CREDIT REFUND AS REQUESTED '' dated XX/XX/XXXX, and this amount was added to three other transactions : {$12.00}, {$160.00}, and {$34.00} to make the total purchase amount of {$900.00} under Account Summary Purchases on page 1 of 3. 

However, as agreed to by your billing specialist in the chat room dated XX/XX/XXXX ( attached ), I believe this is an error as the credit refund should not have been added to the total of my other transactions. This credit refund was to correct a previous overpayment that I had made to Citi. 

Please let me know if you require any further information from me, and if you can please update the relevant statements immediately before the next statement due date on XX/XX/XXXX to reflect the correct balance due of {$210.00}, I would greatly appreciate it. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Attachment : My Letter dated XX/XX/XXXX Citi Bank XXXX Statement Screen Shot of Chat dated XX/XX/XXXX C : Consumer Financial Protection Bureau New Jersey XXXX XXXX XXXX Attorney General XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX MUST RE-DELETE XXXX BY XXXX ACCOUNT, THIS ACCOUNT WAS DELETED ONCE BEFORE AND WAS PAID IN FULL BY XXXX XXXX.
Product: Credit reporting or other personal consumer reports

They used my credit without consent and told me that it would not affect my credit since I am an active client of the bank, meaning that they ran my credit and this had a highly negative effect on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into Equifax.com on XX/XX/2021 to submit a dispute : confirmation ( XXXX ) and was advised that I would have a response to my dispute on XX/XX/2021. It is now XX/XX/2021 and my status is still showing as under investigation please help. This account is NOT mine and I have been trying to get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i call XXXX XXXX XXXX XXXX ask them to closed this account and they did n't Account Number XXXX