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

Good day, I mailed my rent check # XXXX in the amount of {$1900.00}. My building management advised me that they had not received the check. I checked online with my bank, Capital One. I found that the check was endorsed not by my building management company, who stamp the backs of all received checks, but by an individual, obviously a thief, XXXX XXXX XXXX, printing his own name, which does not match in any way, shape or form the name of my building management company. 

I contacted Capital One and received a Complaint # XXXX ( issued by XXXX ) It has been a week and when I called back, I was told by the first operator ( XXXX ) that there are no notes and thus, no action has been taken. After requesting one, a Capital One Manager ( XXXX ) then got on the line and claimed that they must wait for the other bank to respond. 

I have been given no time frame for when I will my money will be returned, though the fault clearly lies with the banks. While the initial cashing bank was foolish in accepting the fraudulent endorsement, my bank was doubly so for honoring the check. They did not question the endorsement, though it does not match any endorsement stamp of my building management company, let alone not matching the name to whom the check was written. 

I have been fobbed off with assurances that the bank must follow their " processes '' but I am never told what these are, how long they will take, or who is handling the matter. To honor a check with a manifestly fraudulent endorsement is obviously not best, nor legal, banking practices. This is clearly a mistake, or the shoddy training of their employees, shared jointly by the two banks. My money should be instantly refunded and then the two banks can duke it out over which is more at fault in this matter. I should not be held responsible for their ineptitude. I need that money. Clearly the bank thinks it is a significant amount to warrant their not instantly refunding me the amount...

The responses I have received from Capital One have been desultory at best, ill-informed and non-committal. I have to chase them rather than being updated by the bank. This is unacceptable and I wish the matter looked into and that any charges applicable be brought against the banks, especially my own, Capital One.

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

My Equifax credit report shows a address I have never lived at and requested payment t be removed however the bureau continues to report it m, I also disputed a Bankruptcy which is reporting showing the court as a XXXX North Carolina court I have never stepped foot in XXXX no and do not have a benkruptcy as that indicate they state this information was provided by XXXX XXXX I contacted them to learn they have no record of this filing in additions public records are suppose to be updated every 90 days and this reports as last updated 2016 ... also Equifax has reapplied a previously removed collection item without communicating anything to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or around XX/XX/2021 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
Product: Checking or savings account

Original Chase Bank account, I can not access it. Chase Bank is giving me the run around. I want account access and all deposits restored if any money was taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I wrote a letter to Nissan Motor Acceptance and asked for them to verify a debt that they are reporting on my credit reports. This is my right under the FCRA. Nissan did respond to my initial letter on XX/XX/2019, and they said " upon further review we unable to locate an account for you using the information you provided. '' Nissan requested that I send in additional information, such as a social security number, so they could properly investigate the problem. Nissan did assure me that they are reporting correctly, however my rights say something completely different. The law says that I need proof within 30 days of them receiving my request, not an assurance. I did honor Nissan 's request, and sent in an additional letter with my social security number on XX/XX/2019. The 2nd letter was received by XXXX XXXX of XXXX on XX/XX/2019 at XXXX XXXX via USPS certified mail. Today is XX/XX/2019, and I have yet to receive any sort of response from XXXX. We are well past the 30 day response limit, which is mandated by federal law. Nissan Motor Acceptance is currently in violation of Federal Law, and needs to remove this derogatory information from my credit report immediately. As a consumer, I do have the right to verification of debt within 30 days of receipt, and Nissan Motor Acceptance did not provide me with that. They did not even respond to me, so it is safe to assume that Nissan does not have the proper validation or they just would have sent it to me, since it is federal law to send verification upon request. I have attached all proof of my above statements. Please remove this immediately. It is unfair to the consumer to have this derogatory information, and Nissan can't even provide proof.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the persistent challenges I have encountered in attempting to rectify fraudulent items on my credit file. Despite numerous attempts to address this issue, the fraudulent entries persist, causing significant harm to my creditworthiness and overall financial standing. 

I have attached copies of my credit reports, highlighting the specific fraudulent items, along with supporting documentation that unequivocally proves the illegitimate nature of these entries. 

Despite my persistent efforts, the fraudulent items persist on my credit file, causing unwarranted financial stress and potential harm to my personal and professional life. I am well aware of the gravity of identity theft and the urgency required in resolving such matters to protect both consumers and creditors. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit file. Additionally, I expect a detailed and comprehensive written response within XXXX  days of receiving this complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will have no choice but to escalate this matter further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I disputed with XXXX regarding a company that was showing up on my credit report as a 30 day term financial account in collection. There was no payment history. They claimed the original creditor was a company called XXXX XXXX. I never had an account with XXXX XXXX, who reported an auto loan, but this company was on my credit report as a loan. I have disputed regarding that company and have received a resolution regarding my XXXX XXXX adversely effecting credit report. 

I contacted Union Adjustment Co. by mail on XXXX XXXX, XXXX. I sent the letter certified return receipt to the agent of service for this company, XXXX XXXX. I wanted to know how they obtained the account, a completed payment history prior to the year XXXX, copy of original signed documents, and a canceled check or this information needed to be removed from the credit bureaus. I have yet to receive a response with documentation. My main concern is this account was removed from my credit report. It somehow reappeared under a different account number and different amount due. 

This company has provided conflicting information to the credit bureaus. I originally tried to resolve this matter in XXXX. I pulled out that credit report and noticed that the account number is not the same as the account number on my XXXX credit reports. I also noticed that each credit report I have received since the one in XXXX has a different first reported date. If they claimed it was reported in XXXX XXXX, how can it now say XXXX XXXX which is right around the time I notice this account reappeared on my XXXX credit report after being removed at some point in time after I disputed in XXXX. I also noticed the amount in XXXX was less than {$5000.00} and now it 's almost {$7000.00}. The amount due increased between XXXX to XXXX XXXX with less than {$50.00} yet there is a huge difference in the amount from XXXX to present. They do not provide monthly amounts on my credit reports. It 's only the current month. Where did they get that amount and how are they justifying a loan collection when I ca n't get any verification of the information that provide to the bureaus? Just looking at the credit report, it looks like this is a brand new debt that was created in XXXX. Looking at the credit report from XXXX and the XXXX and XXXX XXXX reports and it looks like a collection company put this debt back on my credit report at the time my credit improved and attempted to age it as new debt since it 's past the statute of limitations for California. 

I want this company to provide the documentation showing my signature for XXXX XXXX regarding checks, original loan documents, their assignment, and anything showing my signature with XXXX XXXX associated with this account or remove this from my credit report, because they are reporting in error when they provide conflicting account numbers and amount owed with nothing more than sending a message to credit bureaus claiming the account is verified.
Product: Debt collection

Opened XX/XX/2014 ( 3 yrs, 11 mos ) Account status Open Type -- *** Not my debt *** Identity Theft ( plus )!!! Collection agency is harassing me!!!
Product: Prepaid card

On XXXX XXXX, I sent an email to the company, way2go to file a dispute. ( I didn't have time to sit on the phone and list all the transactions, so I used the email I was given. ) I did not receive any kind of response or confirmation that the dispute was received or processed. So, I went ahead and called customer service and was told that I did not type the email in the correct way, so I got the correct email and sent it off AGAIN on XX/XX/XXXX, I still haven't received any kind of response. The card was from unemployment, and I was trying to save as much as possible and still be able to pay things. So, when I got in a jam, XX/XX/XXXX, I figured I could use the money I was given. I explained in both emails that the money was needed badly because I was close to being evicted, and had to borrow money and take out loans to pay it after realizing the money o was no longer in my account. I went through the same thing prior to this one, and hid my card in a different spot, but not good enough obviously. I owe loans and family members so getting this money back is very critical for me right now, in the midst of paying rent and bills while trying to pay back money I shouldn't have had to borrow in the first place.
Product: Credit card

Discover bank asked me to file a police report even though i told them its fraud they made me file a police report in order to prove that i am not lying i am not sure exactly why they made me file anything at all they could of simply investigate the matter seen its nothing to do with me. I have filled the police report to show my innocence. But they still did not honor what they have said to me when i signed up for the card if there is a fraud all credit cards have to honor and give my money back., After filling a police report i went through all that trouble to do which is not easy to go through the process. I have provided to the DISCOVER XX/XX/XXXX CREDIT CARD XX/XX/XXXX They said that they have tried to call the police report and since there was no change to my case they don't consider that as a This is as a matter of fact fraud and they can investigate it and see. They are leaving a balance over XXXX on me to pay for that balance when its fraud and not me. PLEASE investigate this matter and their whole company because this is not ok from a consumer point of view when i open a card and i rely on the credit card company for them to research and see that it is fraud they don't care about us little people. Please investigate DISCOVER CARD XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX / XXXX XXXX XXXX -is currently listing several FALSE late payments along with notations like " late 30 days '' while this information is at no fault of my own and were due to problems with my ongoing financial hardship which stems from XXXX XXXX. I was placed in a XXXX XXXX  to help keep my account from collections, however, they did NOT honor or abide by their word. I did not discover the late payments until several weeks after it was reported, and NEVER received any courtesy call from XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom it XXXX concern, I asked XXXX, and TransUnion to reinvestigate all disputed accounts in question on my credit file as of XXXX XXXX. I sent everything in to all three Credit Bureaus by certified mail, every document. I have asked what method was used to verify it was I that supposedly opened these accounts and I requested a copy of my signed signature with my name and address on the original contract. I did not receive anything back. My disputed accounts have been ignored since XXXX of XXXX. It's been way over the 30-day mark. By State and Government law, these disputed accounts were not removed. This is a violation of my rights.
Product: Debt collection

When i moved out of apartment, i paid the final bill and have an email proff from apartment showing it is paid and XXXX balance. But they mistakely sent it for collection as well. Now the apartment company points finger to debt collector saying I have already paid and should not be any debt. Debt collector won't remove negative impact on my credit and says i need to pay the amount period. Also won't stop calling me to collect the money. I can provide email proof where needed.
Product: Credit reporting

how long does a late payment history remain on a credit? ... i have a acct on all my credit reports from all XXXX credit reporting agencies since 2003 ... NO ONE CAN TELL ME WHEN THE ACCT IS GOING TO BE REMOVED ... I THOUGHT A NEGATIVE ACCT. REAMINS ON YOUR CREDIT FROM THE DATE OF THE FIRST DELINQUENCY ... BUT EXPERIAN INFORMED ME ITS THE LAST DELINQUENCY ... PLEASE HELP THIS NEG. INFO IS RUINING MY CREDIT.I HAVE DISPUTED THE ACCT WITH ALL XXXX CREDIT REPORTING AGENCIES, AND MY CREDIT REPORT HAS REMAINED THE SAME WITH EVERY DISPUTE.THE ACCT IN QUESTION IS A STUDENT LOAN ACCT FROM XXXX.
Product: Debt collection

They call twice each day and only let the phone ring twice/disconnect when I attempt to answer ( from numerous lines with a XXXX area code ). I do not have any outstanding debts so these calls are either intended for the person that previously had my number or are an attempt to illegally collect funds/a bogus debt. I've filed multiple complaints with donotcall.gov and am on the do not call list. 

My cell phone number was recently " spoofed '' and I believe this disreputable company ( Diversified Consulting, according to an internet search ) was responsible since it happened at the same time these calls started. Since they don't know who I am and they're working a scam, I'm unwilling to provide any identifying info beyond the phone number they're already abusing ( and which will need to be changed if this continues ).
Product: Checking or savings account

On XX/XX/XXXX I signed up for a {$200.00} reward through Regions for opening a new checking account. I could not open the account online and therefore had to go into a branch. On XX/XX/XXXX, I met with XXXX XXXX XXXX to open the account. I provided her a copy of the email and she opened the account. I recall her making a comment about the email having to match the offer. 

On XX/XX/XXXX I received an alert email from Regions that a change to my email address or telephone number occurred- this was the exact same day the new account was opened. 

I met all of the qualifications for receiving the {$200.00} as of XX/XX/XXXX. On XX/XX/XXXX I asked about the reward. I was told it could take up to 120 days. I continued asking about this reward until XX/XX/XXXX. I asked several different Regions representatives in person ( see business cards ) and by telephone. I had other issues with the account so each time I discussed the other issues, Id also ask about the Reward. All of these representatives stated that I had to continue waiting, that I would receive the reward, but that it could take the full 120 days. Even XXXX XXXX in XXXX told me this keep waiting, you will receive it. 

On XX/XX/XXXX however, XXXX XXXX wrote me an email stating that not only was Regions Bank not going to process nor approve my disputed claim regarding a charge for {$330.00}, the Bank also would not be honoring the {$200.00} Reward. He stated this was because the email address I registered with was changed before the incentive payout happened and thatthe terms stated the customer email address must remain unchanged until payout. ( see his emails ) I advised XXXX that I did not change the email address. In fact, the person who opened the account on XX/XX/XXXX would be responsible for the email address information matching-XXXX XXXX XXXX. Ironically I mentioned to XXXX the final time I was in the XXXX branch that I wanted to meet with XXXX but she ran out the back door and in fact every time I came into that branch, she refused to help me. 

In my short time with Regions Bank, they have refused to file and honor my claim dispute for {$330.00} and NOW they are rescinding their words, their offer for the {$200.00} Reward.
Product: Credit reporting or other personal consumer reports

An investigation by the credit bureaus showed that the XXXX XXXX XXXX XXXX XXXX  account XXXX belongs to me, although I indicated that the billing address indicated in this account is an address that was made fraudulently, attaching a FTC report to these investigations, but the credit bureaus considered that this account belongs to me with which I strongly disagree with.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX reports were all denied. 
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that all three credit reporting agencies remove the XXXX debt with account number XXXX ... This debt is far beyond the statute of limitations for the states of New York ( 6 Years ) and Florida ( 5 Years ). Any further reporting of this debt would be in direct breach of the terms outline in the fair reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Debt collection

I have been repeatedly threatened with credit reports going to all three bureaus after making it abundantly clear that I do not have, nor will I ever have their money.
Product: Credit card

I close my first progress account but they still charge me late fees, I told them I wanted my account close and they waited until my account add up all these fees,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Prepaid card

I have XXXX {$100.00} American Express gift cards that I've been trying to use and they continue to be declined. 

I've tried paying bills, purchasing gift cards online, using the cards for payment for online purchases. 

I've checked the balances on all XXXX cards, and they have {$100.00} each on them. 

I've gone online and tried to get support from the AMEX folks, no way to do that. 

I'm very frustrated.