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

I am writing to express my frustration and disappointment regarding the ongoing issues I have encountered while trying to delete my accounts with Credit Bureaus. Despite making numerous attempts to remove my late closed and charge off accounts, I have not been able to successfully do so, and I am growing increasingly concerned about the security of my personal information. 

I initially tried to delete my accounts by following the steps outlined in your website 's account management section. However, I encountered an error message that prevented me from completing the process. 

After the initial failed attempt, I made several more efforts on different occasions, thinking that the issue might have been temporary. Each time, I faced the same error, which made it impossible for me to proceed with the account 's removal. 

Frustrated by my repeated failures to remove my accounts, I reached out to your customer support team and explained the situation. Unfortunately, I have not received a satisfactory response or any assistance in resolving the issue. 

Due to the persistent inability to delete my accounts, I am growing increasingly concerned about the security of my personal information, including my data, email address, and other sensitive details associated with my account. I have the right to have my data removed in compliance with data protection regulations. 

I kindly request that you address this issue promptly and assist me in deleting my accounts without further delay. My trust in your company 's data management and customer service is rapidly diminishing, and I hope that resolving this matter will help restore some of that trust. 

Please provide clear instructions or direct assistance on how to successfully delete my account. Additionally, I request confirmation once my accounts has been removed from my credit report, along with a timeline for when this action will be completed. I am asking for your immediate assistance to remove the late closed and charge off accounts from my credit file : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$560.00}.
Product: Vehicle loan or lease

I reached out to capital one in XXXX informing them that I wouldnt be able to pay my full car note each month ( {$220.00} ) and the agent told me that I didnt qualify for lower payments or for me to skip a month and that my only option is to pay {$100.00} minimum each month and that would stop my car from repossession. Around XXXX I believe I started to receive calls from their collection department and I told the agent was the previous agent told me and she said that was correct and that she would stop the calls. Fast forward to today, XX/XX/XXXX, I receive an email from capital one stating that my car is heading for repossession. So I called the finance department just to be insulted by the agent who stated {$100.00} isnt enough when will you get a job Im appalled by the practices capital one has chosen to take when Ive kept up my end of the bargain by making {$100.00} payments each month just to be told oh those only went towards XXXX and XXXX balances. I asked my options today just to be told there arent any and that I simply need to pay my FULL bill or my car will be repossessed. Lets be clear this car isnt even worth being financed. I am on my THRID engine with this car. Im too busy trying to repair it that I can afford repairs and the car note on top of loosing my job. Im just disgusted how they handled this entire Situation. Ive ALWAYS paid my car note in full and the one time I cant Im harassed with threats of repossession. Oh and since all calls are recorded please feel free to go back and listen to all three calls
Product: Debt collection

Within the last week collection account appeared on my credit report. I have not or did not receive due process under the fair credit reporting act or fair debit collection act. i was not aware that this collection company had this account. Another company had it before them. It 's not fair that company buy debit from other companies then the new company immediately report to credit bureau.
Product: Debt collection

2012, in Washington State, I visited the Emergency Room due to XXXX. I had some minor injuries. I was told that the government has a program to cover my visit due to the cause of incident. I never received a bill or was informed about the current bill I have had.
Product: Vehicle loan or lease

Leasing a Truck on XX/XX/year>, XXXX  referred us to their Partner XXXX XXXX XXXX XXXX to finance through. We started the payment on XX/XX/year> down payment was 30 % of the truck price ( {$42000.00} ) monthly payments started on XX/XX/year>. During that time the truck had been Repoed by Volvo, Claiming that XXXX XXXX had been bankrupt. They Transferred the finance to Volvo and we comply with that but they refuse to give me back my money or my truck. None of the companies are willing to give me a solution to fix this while my business is suffering. 
When calling the DMV, the DMV claimed that XXXX did not transfer the title to my business. still investigating and have yet to receive any response.

We made a report previously but they are claiming that we are not a part of the financials services. But if you look at the attachment you can see that they know us.
Product: Debt collection

The company Allied Interstate has called my cell phone every hour for the past week with no one answering. I received a letter in the mail from them stating they are trying to collect a debt for XXXX in the amount of {$30000.00}. I have never done business with XXXX or XXXX. I believe this is an attempt to collect a non-existent loan or used my identity to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that Synchrony Bank supplied to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of my credit reports. 

This item credit card account with Synchrony Bank ending in XXXX is inaccurate because Im NOT 30 days late for the month of XX/XX/2022, when they reported this action on XX/XX/2022. 

Also, Federal Laws ( FCRA ) prohibit your company from reporting any derogatory actions while Im disputing this account with your company. Therefore, I am requesting that Synchrony Bank have this item removed/deleted for my credit report with all three bureaus above. 

Enclosed are copies of my credit reports and the disputed correspondence mailed to Synchrony Bank to provide proof that I owe the current amount on this account. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a factXXXX XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Product: Checking or savings account

My account was being hacked and I called Credit Karma to tell them, they dismissed me. I have email proof of this person changing my phone number, using a device I do not own ( android ), I only have XXXX devices, and then withdrawing all of my money out of the account to an unknown debit card, totaling {$3200.00}. I have now contacted credit karma three times and they have literally hung the phone up on me and have not done anything to replace the funds or solve this hack. I have contacted the FTC. The company has taken no actions except to continue to send emails that the phone number was changed on the account and if it was not me, to contact them. I can not access the account because the phone number has been changed. They told me a supervisor would call me, when I asked how, since they do not have my phone number they literally had no answer. This company is a fraud and has stolen my money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXXXXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Although I talked to the company and they agreed to repair the account in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please fix the account : XXXX XXXX XXXX
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 # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I am writing to formally express my concerns regarding Zelles handling of disputes. Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that the tracking these transactions was unfeasible.
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX what account number are you reporting to the three credit reporting agencies? 
You are reporting to XXXX an account starting with # XXXX. For Equifax and XXXX you are reporting an account starting with # XXXX. Hat is the Correct Account number for my student loans? See XXXX  report and XXXX account history. 

XXXX, which is the correct XXXX account you are supposed to reporting to the three credit reporting agencies? Are you reporting on an account that is not mine? 

Please fix this incorrect and inaccurate data asap. XXXX, You are violation of the FCRA!!!! 

XXXX, XXXX, and Equifax is in violation of the FCRA by knowingly perpetuating XXXX 's incorrect data.
Product: Checking or savings account

Bank of America has blocked me from accessing the mobile app after I tried to make transactions once. I have lost thousands of dollars due to that
Product: Debt collection

on XX/XX/2022 : The caller of ( XXXX ) XXXX from XXXX XXXX XXXX initially had someone call my niece and spouse. When the call was to my husband, I took the call and called the above-mentioned number on my cell phone. 

The person that answered the call. I provided the reference case number that was initially provided to me from the first caller, I notified the Fraud company of said owed debt who told me after checking that I did not owe anything and appeared to be in good standing. 

She comforted me. But this is really harassment on all levels
Product: Debt collection

I have receive calls from XXXX XXXX ( XXXX XXXX credit card ) from blocked numbers, as well as their listed number. I answered the blocked call today ( XX/XX/XXXX ) and the representative confirmed they were from XXXX XXXX. Once I told them Ive received multiple calls, and that its harrassment, I was hung up on. Earlier this same morning I received 2 calls from their company ( XXXX ). I have no number for the blocked call, just that I answered and they stated the company name. On XX/XX/XXXX, I received 4 blocked numbers in a row, as well. This is the only company whos tried contacting me through calls, and I rarley get a voicemail not offing why they called. ( They called while writing this complaint. Heres when they called : XX/XX/XXXX I have no time for, my phone doesnt show it. I was called 4 times in a row from a blocked caller. 

XX/XX/XXXX I have received calls at XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX from the listed and blocked numbers. I tried speaking with a manager, and she continued to tell me they can call to collect. I let her know I know the fair debt act, and she continued with the same statement. I told her that its harrassing. She said they comply with the Fair Debt Act, and I let her know that if she complied, I wouldnt get 5 calls before XXXX. She continued to state she was in compliance and she wouldnt let me speak without her interrupting me so I can tell her what happened. I asked for my number to be taken off and I notified her Im filing Chapter XXXX Bankruptcy. She kept telling me that they are allowed to call and I told her the fair debt anusive practiced of calling during inconvenient hours and calling multiple times to harass or annoy. She said she as well would sum it a complaint and see why I was hung up on when I tried reporting said abusive practices. I 100 % feel like this is harassment to get me to pay the bill. My attorney advised me on XX/XX/XXXX that I needed to stop paying my bills because I am filing Chapter XXXX. She continued to say my phone number is in an automated list, and I let her know that it doesnt matter, that its against Federal debt practices.
Product: Credit card

I paid balance in full to avoid interest charges. I was told payment need to paid prior to XXXX XXXX XXXX XXXX XXXX to be timely. I requested interest waived, but XXXX XXXX for XXXX XXXX issued by Commenity Bank refused. I closed the account and was told to pay {$6.00} to avoid negative report to credit bureau. I paid {$6.00} XX/XX/year> and my checking account was debit XX/XX/year>. Then I receive a bill for {$14.00} = {$6.00} + {$2.00} = {$8.00} + {$6.00}. The billing cycle closes on the XXXX of each month. The statement didn't show I paid {$6.00} posted and account {$0.00} before the next billing cycle XX/XX/year>. The statement showed past due {$6.00} + {$8.00} fees charged. They threaten to report negative information about my account to credit bureaus. Late payments, missed payments or other defaults on your account. My account ends XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Informative XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX PHOENIX FINANCIAL SERVICES add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PHOENIX FINANCIAL SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX  which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations. This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Experian charged off amount is {$1000.00} and closed as of XX/XX/year>. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Credit reporting or other personal consumer reports

Companys have failed to to remove all negative accounts on credit report after receiving official notice and deleting items in 4 days as stated in title 15 usc 1681c-2
Product: Money transfer, virtual currency, or money service

I have sold crypto-currencies on XXXX ( trading arm of CoinBase ) and I currently have about 1,000,000 EUR of fund. Unfortunately, it is only allowed to withdraw XXXX EUR a day. 

The company has a process for increasing this amount and promise to come back to his customer within 10 days. However, after a month, I still do not have any answer. 
I tried to contact them via their online ticket service but I received no answer. 

I tried calling them as well. I got connected to a representative who acknowledged the amount of fund on the account but then put me on hold and hung on me. I tried calling again but I never managed to get any representative again. 

At this point, they are holding my fund without my consent.