23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My purse was stolen from my car outside of the barber shop and I was left with nothing I had no ID or any type of identification I called the police and made a report of the incident and notified the credit card company I provided a copy of the police report as well but they refuse to help me and investigate the issue thoroughly. Ive been suffering for years due to these accounts being reported derogatory on my report I even continued to pay but the fraudulent charges were never removed which resulted to my account being closed by the credit card company. Under FRCA law 15 USC 1644 I should be protected and this account should have been removed from my report years ago. I provided everything I was asked to I didn't have the report the same day but I took a photo of the case card and provided that until the report was ready
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

spire-logo Reference Number : XXXX Password : Last 4 of SSN Please use the above reference number when contacting us or when logging into our Customer Portal. 

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This email was sent to XXXX on behalf of Spire Recovery Solutions.

Click here to Unsubscribe This e-mail communication is covered by the Electronic Communications Privacy Act of 1986 ( ECPA ), 18 U.S.C. 2510-2523. This communication is CONFIDENTIAL. 
The information contained herein is intended only for disclosure to or use by the person ( s ) listed above. If you are neither the intended recipient ( s ), nor a person responsible for the delivery of this communication to the intended recipient ( s ), you are hereby notified that any retention, dissemination, distribution or copying of this communication is strictly prohibited. 

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : 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

In XX/XX/XXXX, I successfully refinanced my property with XXXX and paid off the outstanding debt owed to XXXX Mortgage. My first payment on the new term commenced on XX/XX/XXXX. I made XXXX payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my XXXX credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked XXXX to place my account in forbearance due to XXXX job loss which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. XXXX has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX  program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as XXXX never refunded the difference of the amount it withheld for my XXXX property taxes. They erroneously overcharged my account twice for the same XXXX XXXX XXXX. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. XXXX is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted Pro-Collect after noticing they falsely report XXXX to the credit bureaus. I sent them a certified letter requesting debt validation. I was sent an XXXX energy bill from my previous residence. I sent back proof that I moved out of the residence in XXXX and that the debt is not valid. However, they have refused to remove the derogatory mark from my credit profile. I reported them to XXXX XXXX, State of Texas Attorney General. Also, I reported them to the XXXX XXXX XXXXThis debt is not valid and does not belong to me. It should be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX US DEPT. OF EDUCATIO XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XX/XX/XXXX Original Creditor XXXX  XXXX XX/XX/XXXX unknown XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATIO XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX ( Original XXXX XXXX ) XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX. 
US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

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

There's alot of credit cards that had been opened under my name that I wasn't aware ofXXXXI had identity theft in the past, therefore alot of hard inquiries I don't really know about them because I never gave them permission to run my credit like that XXXXI paid them off include the ones I didn't know who opened them XXXXThe credit bureau never remove them off my credit XXXXNow I can't even rent a place to live in peace Even though I tried my best to pay the collections they still haven't report them pay XXXX I need help please
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Dear ChexSystems ' General Counsel, After receiving a number of unsolicited phone calls and emails from people claiming to be from ChexSystems ' I feel obligated to exercise my rights and alert you to what I consider harassing and damaging behavior. 

Specifically, I have received numerous phone calls from people claiming they were from ChexSystems but generally refused to provide any information unless I confirmed my identity. Wary of this potential scam / phishing attempt after previously being a victim of identity theft I am unsure if this is an official action of ChexSystems or a scammer spoofing information. To this end I request that ChexSystems investigate such actions to determine if it is your employees or systems making these unsolicited calls and to provide me with a record of all correspondence on my ChexSystems file, if any. 

To confirm my identity, you can use my social security number as provided to you in this CFPB complaint as well as a picture of my passport. I have not been within the USA for many years and have not agreed to the use of ChexSystems to aggregate my personal information. 

After receiving a record of my correspondence, uploaded to the CFPB complaint I will analyze those records and if needed contact you for more information or requests. 

To carry out this request, please note the following personal identifiers : Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : XXXX. 
XXXX : XXXX
Product: Checking or savings account

Then short US Bank returned the check that was good it overdrafted me. At that point it was only {$100.00} and I was going to sort it out so I went and put stop payment on everything and I turned off the card. I also contacted them and asked them to not authorize any payments on that account, they then proceeded to continue to authorize payments for as little is a XXXX  or less and let me incurred {$36.00} in overdraft fees for each one no matter what I did they would not stop letting third parties withdraw funds that was not available. At that point it had balloon to nearly {$300.00} then in XXXX they arbitrarily charge me a fee. It said an analyst fee just for XXXX. Ive had the account for a year For {$280.00} just tagged it right on there. I asked for an explanation I got none they continue to let money be drawn from that account and hit me with overdraft fees and its got to be pushing probably {$1000.00} by now it was in the XXXX the last time I used it personally or authorized a payment myself. I have not use that account since XXXX. Against my wishes they continue to let it be open and when I request to close it, they say until its brought even they wont close it but they keep letting the money they know isnt there or available be withdrawn this isnt the first time that they acted in this manner. Furthermore, it was their own employees who instructed me how to proceed after the return check, and how to go about stopping payments. I did nothing that I wasnt specifically told to do by them with the promise that that would get everything sorted out and said it has only let matters get worse. They have ruined my credit temporarily, and theyve made it near impossible for me to get another checking account. I am a XXXX XXXX XXXX, and they seriously limited my ability to work online accept payments. Just is an example of how ridiculous it is they charge that {$280.00} fee slap it on there and they also overdrafted me for it and charge me another XXXX for that then turn around and a bill that had been coming out of that account sometime ago try to auto withdraw from it not that our request it just did it automatically for {$250.00} which cleared somehow and then they turned around when they realize it a week later and they return it, so if it was money coming out of their pocket, they stop the payment, but if its money coming out of my pocket or that I can be sent to collections over they have no problem with it whatsoever. I dont know how this could possibly be legal. And through all of this, I have asked them to stop all payments from that account so it could be brought to even but its now through no fault of my own been pushed to such a large sum. Theres no way that I can do anything about it until they eventually sent it to Collections and then I have to deal with it and they get to sell the debt to somebody else for XXXXXXXX XXXX  on the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. This is also my second attempt to have these accounts removed. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding incorrect information on my credit report. Despite several efforts to address this issue through the appropriate channels, the credit bureaus have neither acknowledged nor investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these repeated submissions, the credit bureaus have not provided any response, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

This marks my fifth attempt to resolve this issue, yet I have received no response from XXXX, Experian, or XXXX. I am filing this complaint as a last resort and request your prompt assistance in addressing this matter.
Product: Credit card or prepaid card

Billing Error Dispute Dear Best Buy Credit Services, I am writing in regards to a billing error previously identified in a billing statement issued on ( XX/XX/XXXX ) in the amount of ( {$3800.00} ). Now, the statement reads {$4900.00} of which there is still a billing error. As of XX/XX/XXXX, i have yet to receive a response from you. I will attach a copy of the previous letter sent and received by you to this complaint. You have now defamed my character by placing a late payment on my credit report as well as pushing the account over the limit. Until this is resolved this account should be placed into a Do Not Pay, Do Not Collect status. Kindly remove the negative marks from my credit report. Nothing is late and there isnt a balance. I have the right to withhold payment until this matter is resolved. Please be informed that the closing, restricting or any form of adverse action will forfeit your rights to collect on the account according to federal law. 

I am disputing the entire balance on this account. {$4900.00} is a credit not a balance due. Please send documentary evidence such as books of accounting, proving that this is in fact a balance due. Do not send statements, that does not constitute a form of documentary evidence. 

The amount indicated as being owed is in a POSITIVE amount of ( {$4900.00} ) which is a credit balance in excess of {$1.00}. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. 

I would like to request a full refund of the amount of the credit balance in excess of {$1.00} be mailed to me.
Product: Checking or savings account

My debit card, account, online access where locked on the XXXX of XXXX XXXX On the XXXX, I called Citi to the Fraud department where they explained they locked my account due to " suspicious activity ''. I had deposited a check for {$23000.00} the day before. 

They wanted to verify if the deposit and I confirmed that it was. I also confirmed who the payor on the check was. They also reached out to that person who confirmed that the check was valid. I was told that in 24-48hrs after investigation that I would have access to my account. 

On the XXXX XXXX XXXX, I called the Fraud department and they repeated the same. They told be to call back again on the XXXX. On the XXXX XXXX I went to my local branch and explained to the manager what happened. He looked into the system and confirmed that my account was locked and that my account was slated to be closed for NO APPARENT REASON. I was then told that I would get a letter in the mail in 5-10 days and that Citi would send my money back to me within 30-60 days. I told him that this was outrageous and that I wanted my money back immediately since I had confirmed from the payor - a customary business associate - that everything was fine with the check. 

I then call the Fraud dept. and explained everything again and they repeated the same policy about 5-10 day letter of explanation and then 30-60 day return of the funds. I then requested to speak to a Supervisor. That Supervisor contacted the payor on the check XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX who confirmed the validity of the check and transaction. We were all on the fone as a conference call. AND the Supervisor separately talked to XXXX XXXX via a call to him from the Tennessee office. 

She called me back and confirmed that the transaction was valid and that she would be sending an email to a n " investigator '' who would review things and then release the restrictions on my account in 24-48 hours!!

I want help in : 1. unblocking my account 2. I want my money back IMMEDIATELY not 30 - 60 days. That is nonsense.

There was no reason to restrict my account, no close my account, no refuse to return my money IMMEDIATELY.