23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$410.00} CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX {$4900.00}
Product: Money transfer, virtual currency, or money service

Online deposits were made now theyre taking my deposits saying the checks werent cleared making my account negative and if they werent cleared the bank wouldve never approved it
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. I usually receive my direct deposit on Wednesdays of my pay period. Its now Friday & I still have yet to receive my funds. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I had an account with XXXX in XXXX when I was stationed their in the XXXX. I got orders to come back to the states and sent a letter with my orders telling XXXX I have to cancel my account. 

A year later a debt collection agency called Orion Recovery told me I owe over XXXX dollars for unpaid phone bills from XXXX in XXXX. 

Orion has my cell contract, but my contract does n't say anything about a cancellation fee or something about giving a 90 day notice. 

I keep asking Orion Recovery to show me where it says I have to give a 90 day notice, but they wo n't and keep trying to scare me saying I owe them more and more money every day I do n't pay them. 

My XXXX XXXX XXXX building said that this collection sounds like a scam, because Orion says they have a contract with XXXX and they constantly do the same thing to service members over and over again. 

They wo n't reconize my evidence ( audio phone call recording with XXXX and pictures of the mail I have sent. ) I have shown them and they wont prove that I had to give XXXX a 90 day notice. 

I do n't know what to do in a situation where debt collectors are telling me unless I have proof of paying those 3 months I have to pay them and how much I owe them will keep increasing each day. 

I have n't ever taken anyone to court, I dont know how much lawyers cost. Am I stuck paying XXXX dollars to Orion Recovery because it might not be worth the court costs? 

I do n't think Orion will ever take no for an answer because they ignore a lot of information I send them like the XXXX XXXX XXXX act. I believe my contract falls under that category and they wo n't talk about it. Orion also tells me that it is unreasonable for them to contact XXXX for any more information because it is untimely. 

Whoever reads this I really hope you can help me out. I dont want to fork over XXXX bucks when I do n't feel I owe this. I did everything the right way. 

I do n't know what XXXX parties can get them to back down. Logically, my side is correct, I 'm just not very good at being a lawyer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish on account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove late payments from XX/XX/XXXX to XX/XX/XXXX. I was under nature disaster and Covid relief as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations. 
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX XXXX XXXX XXXX  statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.I request verifiable physical evidence to prove the existence and permissible usage of the account. If this evidence is not provided, I expect the account to be removed from the report. You have my authorization to send me physical documentation of your actions and an updated credit report.
Product: Checking or savings account

PNC bank took over BBVA. PNC won't let me get my banking history. I have asked them but they will only give me 3 months worth. I need my banking history for tax purposes. Can you help me get my history from them?
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information 's listed below as a result. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This file, XXXX, for myself, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, initial review was from an application submitted XX/XX/2018. Then, in turn, denied for modification based on lack of a lower payment available per investor guidelines. The income that was reviewed by Rushmore was reduced from our application by more than {$2500.00} a month. We knew the appeal would be denied but we were told by XXXX XXXX XXXX at Rushmore, to submit anyway. We did so and were denied appeal. Thereafter, with the income proof on my bank statements, we feel confident my income will be honored from the application. 
We re-entered the process to reapply for modification and were Permanently denied PREMATURELY, without any real review of income/loan details. We have only had one formal chance to apply and have a reapplication based on a change in circumstance. 
We believe it is illegal to deny customers the right to modify or at least the opportunity to be reviewed for modification. Rushmore is now denying these rights many more customers than just this one. We are following up with the State Attorney General to insure you are abiding by the proper protocol for XXXX Banking Department, HUD and any other regulatory institutions that may apply.
Product: Debt collection

I was harassed about this debt with Easy Money. I was called and told I would be arrested for committing bank fraud if I did not pay the debt immediately. Under a lot of stress and a bad financial situation, I paid the debt that they said I owed. As a part of the negotiation, they agreed to delete the debt from my credit reports. The collection activity is still showing on my credit report. This company should seriously rethink their collections tactics.
Product: Credit card

Someone purchased approx XXXX dollars worth of stuff online to multiple XXXX companies. I disputed the charges with Wells Fargo when I noticed I was missing a deposit of XXXX dollars that was supposed be deposited into my account XX/XX/2023, which it was but someone used my card multiple times and took XXXX from my account. I filed a police report as they requested but I'm still waiting on the police department to finalize/process it so I can send it to Wells Fargo XXXX Wells Fargo information informed me in a message saying they believe the charges are correct and will not give me my funds back, which makes no sense considering not once have I ever purchased or tried to purchase anything from a international company nor any kind of lottery they are saying the money went to. This can be verified by looking at my account and also XXXX XXXX  i was staying at informed me XXXX  XXXX  XXXX at XXXX in XXXX had been terminated for theft of credit card numbers when I made a comment about someone stealing my money. I included all this in the police report with my laptop, cell phone XXXX  addresses so Wells Fargo could verify the purchases were not made with any of my devices. Wells Fargo Claim : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$190000.00}
Product: Mortgage

We had a loan with XXXX and did a modification loan XXXX of XXXX. It was finalized in XXXX and our new payments started XXXX XXXX. At the same time they sold our loan to Carrington who took over 12 months to acknowledge the legal agreement. We have made all our payments at the new rate through automatic payments from our bank. They are saying we owe over {$7500.00} and keep refusing our payment, but only at their discretion. They are threatening to foreclose, but I have provided them with bank statements verifying all the payments are current and they refuse to respond. In short they now recognize the modification, but are not correcting the misapplied funds or even explaining where the funds are located. They are deliberately dragging their feet in responding to calls and written requests. This company is dishonest and should be reviewed and afterwards be fined and/or shut down. I believe outside legal services is a must in helping to resolve this ridiculous issue that was created and continuing by Carrington. This company needs to be investigated for misconduct and unethical/illegal l practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Experian over 2 months ago ( XX/XX/XXXX ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of XXXX : {$290.00} / XXXX XXXX XXXX XXXX XXXX 

In addition, by law medical bills under {$500.00} should not be reported on credit reports. 

Experian has also failed to adjust/increase my credit score properly following the removal of items from my report within the last 30 days ; whereas the other 2 bureaus have removed the same items and adjusted correctly 15 plus points and Experian only 3-5 points. 
They have not replied to me or removed items from my credit report
Product: Debt collection

Dear CFPB, I am writing to dispute the reporting of an account by XXXX XXXX XXXX that is a direct violation of the Fair Credit Reporting Act ( FCRA ) as mandated by XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccuracies in my credit report. The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) established that consumers have the ability to challenge the legitimacy of debt accounts that are not accurately reported. In my situation, the charge-off listed on my report does not accurately represent my current obligations. 

Additionally, according to the Fair Credit Reporting Act ( FCRA ), information that is inaccurate, incomplete, or can not be verified must be removed from consumer reports. 

The account in question are : Police and XXXX XXXX XXXX XXXX, account ending in XXXX The account is listed as charged off and in collections on my credit report, which In fact is inaccurate and misleading. 

According to XXXX XXXX XXXX, any applicable entity that discharges an indebtedness must file an information return on XXXX  XXXX with the Internal Revenue Service when certain criteria are met. Specifically, I have enclosed copies of XXXX  XXXX that were issued to me by the creditor, indicating that the debt associated with the account has been canceled or forgiven. additionally for your reference you will observe a XXXX balance in the section titled : XXXX XXXX XXXX XXXX documents XXXX is the physical proof of my claim. 

The issuance of a XXXX  XXXX is considered XXXX XXXX evidence that the debt has been XXXX by the creditor, as established in case law such as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) and XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) ). It would be inequitable to allow the creditor to then subsequently attempt to enforce the same debt after receiving the tax benefit of the " charge-off. '' This is illegal and reporting the status as such XXXX XXXX. 

Despite the issuance of the XXXX XXXXXXXX XXXX XXXX XXXX continues to report this account as charged off, which is inaccurate and misleading. This reporting is in direct violation of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in XXXX XXXX XXXX XXXX ( b ). 

I hereby request that XXXX XXXX XXXX  promptly update its records to reflect that these accounts have been paid in full and have a balance of {$0.00}, in accordance with the evidence provided by the XXXX  XXXX Failure to do so would constitute a violation of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

District Court for the XXXX XXXX XXXX California XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Case No. XXXX District Court for Northern XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Trans Union for fraudulent accounts that have appeared on my credit report, and I have been stressing to Trans Union that these accounts are a result of Identity Theft stemming from XXXX and XXXX XXXX Data Breach. The erroneous, fraudulent accounts consist of credit cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine and I demand the fraudulent items listed to be removed, or I will hire an attorney and SUE TRANS UNION. Despite this, Trans Union continues to badger, bully, and psychologically harass me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Again, I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ) that Trans Union block and remove within 4 days per statutes and request that all written confirmation relating to this CFPB matter be sent to me via email.
Product: Debt collection

company states I owe {$5000.00} for a wells fargo credit card from XXXX. I never had a credit card in XXXX company states they will garnish my wages, take my home and my vehicles. They are willing to settle for {$3000.00}. I have requested proof of debt and was advised if they provide that information the settlement offer will be voided and the total {$5000.00} will then be due. If they provide any proof it will have to be through court proceedings. only document they can email me is a contract for me to sign for payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release if any good or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information relates to this matter. 

The fraudulent accounts are as follows : 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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CRA/HIPAA VIOLATION INACCURATE COLLECTION ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Bank account or service

My husband deposited {$3500.00} into our joint checking account on XXXX XXXX ( Suntrust Bank ). The amount showed as a pending transaction, until I checked the account online the following Monday ( XXXX XXXX ) where I discovered the deposit had totally disappeared. I contacted a local branch and they initiated an 'investigation '. In the meantime my account was credited with a miscellaneous {$3500.00} and all resulting overdraft charges as a consequence of the missing deposit were refunded. Suntrust has not provided me with an explanation regarding the outcome of the investigation, nor has management responded to my complaint, or offered any compensation for the major error.
Product: Credit reporting or other personal consumer reports

IAM XXXX XXXX XXXX  SS#XXXX  DOBXXXX  MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  TODAYS DATE XXXX 
I HAVE NOTICED MANY INCORRECT ADDRESS NAMES AND EMPLOYMENT INFORMATION ON MY CREDIT PROFILE. CORRECT AND UPDATE  THESE ADDRESSES ,NAMES AND EMPLOYMENT NOW .IAM A FEDERALLY PROTECTED CONSUMER  I NEVER PERMITTED THESE ADDRESS.. I ASK FOR MY PROPER ADDRESS TO BE UPGRADED MY ADRESS TO XXXX XXXX XXXX XXXX XXXX,GA XXXX  AND MY NAME TO BE UPDATED TO
CORRECT NAME: XXXX XXXX XXXX

LIST OF INCORRECT ADDRESSES:
Addresses
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  
LIST OF INCORRECT NAMES: XXXX XXXX XXXX, XXXX XXXX 

CORRECT NAME: : XXXX XXXX XXXX  

INCORRECT EMPLOYMENT: XXXX XXXX XXXX XXXX
CORRECT EMPLOYMENT: XXXX
Product: Credit reporting or other personal consumer reports

I applied for loan at XXXX XXXX and their response was in writing to me stating Experien reported me Deceased. Loan denied. I put a dispute in with experien and they told me I had to dispute with XXXXXXXX XXXX. I called XXXX and disputed that info but its been over 3 weeks and no response. This is so bad. I am not dead. My husband and I are very much alive and I need to get this fixed. My biggest concern is why XXXX or XXXX would accept that without a death certificate. Experien is the keeper of my info but they have failed to secure my personal info. I have disputes but no resolutions. I am not deceased. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

I have been unfairly assessed a " monthly maintenance fee '' for over six months on my checking account with bank of america.

I opened my account with bank of america over 15 years ago where I was not assessed monthly fees. At some point, approximately 2 years ago, i started seeing maintenance fees on my account. I called Bank of America and asked how I could prevent being charged the fee. They said that if I used my account only " online '' or through ATMs, I would not be charged a fee. I have typically been conducting my banking in this manner this that time. However, last year I started seeing new monthly fees again even though my banking was still exclusively conducted through the " online '' and ATM channels. I believe Bank of America misrepresented account terms by charging me these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 usc1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.