23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

on the day of XX/XX/XXXX  i was having a verbal altercation with my ex girlfriend and I ended up being detained. I was XXXX  for 7days in total. 
when I was released I had no access to my phone or banking because my phone was not in my possession when I got arrested. I came home and was able to log into my online banking and became aware of so many unauthorized transactions from the date of XX/XX/XXXX  from to XX/XX/XXXX  I immediately came into my bank branch located in XXXX, ca where I made my dispute claim to the branch manager XXXX XXXX fax # XXXX she assisted me the best of her abilities. the date of XX/XX/XXXX  I received a call from XXXX XXXX from the department of bank fraud # XXXX she informed that I had to make it a civil matter because she didn't think it was fraud she asked me to reach out yo my ex girlfriend who I assumed who may have made the transactions on my account witch I did and found out that she had no involvement in my money being taking from me. I spoke to her and we came to the conclusion that she went involved and now I'm back to square one of trying to reimbursed my funds into my checking account please help me with this I would highly appreciate it.
Product: Student loan

I applied for XXXX degree and was excepted XX/XX/XXXX. I decided to get a loan to help support through my 2yrs of schooling with American Education Services. I graduated XX/XX/XXXX with my degree and starting working XX/XX/XXXX for a XXXX. I went to my bank and consolidated all of my debt XX/XX/XXXX. My loan officer wanted the payoff for all loans or credit cards before he would give me a check. I called AES for a payoff amount and then sent them a check for the pay off amount. XX/XX/XXXX AES sent a statement showing I still owed {$2500.00}, I called and asked why I paid you off 8 years ago. The representative said your account shows you called for a pay off but that was n't a pay off. I said I did n't understand why and after 8 years they are chasing me down for more money and that I would n't be in a big hurry to pay them anymore money. With it being 8 years later I do not have any documents other than a copy of the check I received from my bank for the consolidation. I have now been turned over to debt collections and my credit report is showing a ding. I did call AES for a master promissory letter but does n't show anything about owing more money. I do n't know where to go from here, I called for pay off XX/XX/XXXX and sent a check knowing that I paid them off. Please help me in my dilemma. Thank you
Product: Vehicle loan or lease

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Ally Financial on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ], is not accurate. 

[ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate I sent a letter on XX/XX/year>, asking them to reinvestigate these accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ], here is my tracking number : XXXX I got the investigation back but noticed nothing was modified or updated. 

So I requested a description of the reinvestigation and they do not provide it to me which which is a violation of 15 USC 168117.

They also violated 15 USC 1681 ( 5 ) Can you look into this matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/2023. 

I contacted all three credit agencies, XXXX, XXXX, and Equifax. I realized that there are credit inquires on all three of my credit reports that I did not authorize. 

XXXX was the only Agency that removed the unauthorize credit inquires.

Credit Inquires that I did not authorize and should be removed from my XXXX XXXX and Equifax are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Per the Fair 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 XXXX - Account numberXXXX The account was charged off. {$750.00} written off. {$410.00} is past due as of XX/XX/XXXX. 

Account name : XXXX  XXXX - Account number : XXXX The account was charged off. {$4100.00} written off. {$4100.00} past due as of XX/XX/XXXX. 

Account name : XXXX  XXXX - Account number : XXXX The account was charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 

Account name : XXXX  XXXX XXXX  - Account number : XXXX The account was Closed. {$170.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX Account name : XXXX XXXX  - Account number : XXXX The account was Closed. {$200.00} past due as of XX/XX/XXXX. 

HARD INQUIRY Account name : XXXX  XXXX - Date reported XX/XX/XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card 366 account under an open-end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I am not reliable for this debt. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, AND REMOVE ALL CLOSED, WRITTEN-OFF, AND CHARGED-OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS. IT'S A DEFAMATION TO MY CHARACTER. 
...
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments and the closed account status on my credit report regarding the following account : Account XXXX : XXXX This account has been reported with late payments and marked as closed, which is inconsistent with its current status. According to the information provided to me and as documented by IRS Form 1099-C, the debt associated with this account has been canceled. This cancellation signifies that I am no longer legally obligated to pay the debt, and as such, further reporting of late payments or a closed account is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, credit reporting agencies are obligated to ensure that all information reported is accurate and verifiable. Reporting late payments or maintaining this account on my credit file after the issuance of a 1099-C is misleading and could be damaging to my creditworthiness. 

Please investigate this matter promptly and provide me with written confirmation of your findings and corrective actions within 30 days. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies if necessary to ensure compliance with applicable laws.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/scrub>XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Hard inquiries is not mine I have not filled out for any credit cards for a long time because I knew my credit was bad already and I also know if I filled out any credit cards that my credit would lower. I don't want it to lower I'm trying to build my credit up, there are also items in my credit report that is not me, the items are from another person with my same name that lives in XXXX wv that is being put on my credit report. Thank you for you time.
Product: Credit reporting or other personal consumer reports

I am writing to make a second attempt to dispute and request the correction of multiple fraudulent and inaccurate items on my credit report. These items include incorrect addresses, late closed accounts, charge-offs, collections, and unauthorized inquiries. Despite my previous dispute, these inaccuracies persist on my credit report, negatively affecting my financial standing and creditworthiness. 

Below are the details of the fraudulent and inaccurate items that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX WA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX 

I have once again attached copies of my credit reports from XXXX, Equfax and XXXX Credit Bureaus, highlighting the fraudulent and inaccurate items I am disputing. 

It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history, and I have never authorized or consented to the inquiries from the entities mentioned above. The late closed account, charge-off, and collection claims are also disputed as I have made efforts to resolve these issues, and I have documentation to support my claims.

I kindly request that you take immediate action to rectify these fraudulent and inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed items on a credit report and to provide me with the results of your investigation within 30 days of receiving a dispute letter.

Therefore, I kindly request that you : *Conduct a thorough investigation into the accuracy of the addresses, late closed account, charge-off, collection, and unauthorized inquiries on my credit report.

*Contact the respective creditors, collection agency, and entities responsible for the inaccuracies to verify the information.

*Correct the erroneous information on my credit report to accurately reflect my true credit history.

*Provide me with a written response outlining the results of your investigation.
Product: Credit reporting

I have XXXX collections on my credit reports. The one was removed and put back on. one was removed from XXXX credit bureau. the other XXXX are old accounts that were just recently put on my credit reports since I started trying to clean up my credit to enable me to get a home. they are over four years old and are just now showing up as a collection, which is frustrating when I have got issues cleaned up and more come out of the woodwork and put things on my credit reports
Product: Debt collection

I have previously reporte d Portfolio Recover Associates for a highly abusive phone call in which I had to hold my phone from my ear as a representative repeatedly ( screamed ) asked me who would  have opened these accounts. All I asked for was an itemized bill showing how they got to the number they claim I owe. He talked over me, would n't let me get a word in edge wise and when I did talk, would talk down to me like I was a dog.     A supervisor was asked for and she promised I would be on a 10 day no call list.     I was called no more than 5 days LATER! I had n't even received what she claimed she would send out.     I had called back in due to getting something from them in the mail which was n't what I had requested. I found out that was n't what they were sending out and was told to wait.     I am continuously being harassed by this company despite honest attempts to work with them and simply ensure the amounts they claim I owe are factual.
Product: Debt collection

XXXX XXXX continues to contact me regarding a debt owed for a gym membership. I have contacted the gym and requested a call to discuss the membership. My calls have gone unreturned. XXXX XXXX robo-dials and does not make a representative available to speak with. I have tried speaking with someone to dispute the debt but have sat on hold for too long. This company calls at all times everyday. My original debt was {$7.00} but each month that it goes unresolved, they increase it by {$7.00}.
Product: Credit card

Dear Capital One Bank, / cfpb ; I was deeply concerned when I reviewed my credit report and discovered late payments recorded for XXXX and XX/XX/2022, reflecting XXXX and XXXX delinquencies, respectively. 

I have always taken my financial responsibilities seriously and have consistently made payments upon receiving my statements. Given my usual diligence, I am unsure how this situation occurred. Its possible that my statements were delayed or missed during this time, particularly as I was XXXX XXXX XXXX XXXXXXXX, which added to the challenges I was facing. 

In light of our longstanding relationship and my commitment to maintaining a good payment history, I kindly request that you remove these late payments from my credit report. Additionally, I ask that any late fees associated with these payments be refunded.

Moreover, I believe there were inaccuracies in my billing under the provisions of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666b, 1681i, and 1692g. Due to these potential violations and the resulting inaccurate reporting, I respectfully demand the immediate deletion of these late payments from my credit report.

I value the positive relationship I have had with Capital One and would prefer to resolve this matter swiftly and amicably. Your assistance in rectifying this situation will allow me to continue experiencing the high level of service I have always enjoyed with your bank. 

Thank you for your attention to this matter. I appreciate your help and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed paid acct. On credit report, but it is reported inaccurately. The dates are incorrect as the acct has been sold many times and info has been changed. It was originally opened in XXXX of XXXX by XXXX XXXXXXXX. Then XXXX XXXX which was deleted. However the DOFD was XXXX XXXX. Thats when they started collections for acct. It has since been reported as opened on XX/XX/XXXX and XXXX of XXXX. I have made many attempts to gets this matter corrected with no success. It has been paid even though the amounts and dates are not correct and i have requested itemized bill. It was last sold to XXXX XXXX XXXX to whom it was paid and agreed upon to remove, delete and cease all collection activity. Since then XXXX has told me the account doesnt even beling to them now and it did when paid. Makes no sense and how can they even report if they dont iwn the debt. They have not done so and i have contacted them, Transunion and XXXX  several times in attempt to correct this. They have repeatedly hit my credit causing many drops in credit rating. The only response ive gotten from TU and XXXX  is verified. This has not been investigated, or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out directly and to the bureaus and they have not helped me with anything please see letter attached.
Product: Checking or savings account

XX/XX/XXXX : mobile deposit of {$14000.00} ; {$1500.00} of that was available, with notice that Remainder would be available on XX/XX/XXXX. 
XXXX : Issuing bank XXXX XXXX XXXX released funds to my bank USAA XX/XX/XXXX : spoke with USAA to request funds be made available since the check was funded. USAA acknowledged check was funded and advised that a previous NSF fee gave them the legal right to hold my funds until XX/XX/XXXX. 
XX/XX/XXXX : XXXX - received email stating funds previously on hold are now available. XXXX - account information shows : current balance {$13000.00} hold balance : {$14000.00} = ( {$1400.00} ) balance. XXXX - Spoke to USAA ; was advised the funds would be made available XX/XX/XXXX & hung up on. XXXX : usaa verbally advised that check return was initiated by back office personnel on XX/XX/XXXX, but they could not provide any official documentation to support this. 
XXXX : check issuer spoke with XXXX  who denies requesting the item he returned.
Product: Credit card

Hello i been with wells fargo since XXXX. I noticed that wells fargo charged me too much interest on my credit card. I been struggling to pay off my credit card.I called the customer service and tried to see if they can lower my interest rate But they couldn't do nothing and this was on XXXX of XXXX when i called them. i needed to do something about this because i was drowning in wells fargo credit card debt. So i had no choice to get on a financial service that they provided me with 1 % interest rate and lower my monthly payments this was the beginning of XXXX XXXXi know i lost a lot of money trying to pay off this credit card for years.
Product: Mortgage

PennyMac refuses to charge me the correct amount regarding escrow for my updated homeowners insurance. They force me to overpay into the escrow account rather than do an updated escrow analysis after I have requested it so that it reflects the proper amount owed. 

They refuse to offer a refund in a timely matter, in violation of Real Estate Settlement Procedures Act subsection 1024.34
Product: Debt collection

The Healthcare Revenue Recovery Group ( HRRG, aka XXXX XXXX ) has been billing me for a payment that is not my responsibility since XX/XX/XXXX. I suffered a medical emergency in Michigan and was taken to the Emergency Department at XXXX Hospital in XXXX, MI on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX serving as my healthcare provider. I learned that XXXX had been repeatedly denying my claim for {$1100.00} and HRRG has since been harrassing me with phone calls ( which I continued to receive while I was out of the country for a XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX ). I repeatedly paid HRRG/ XXXX XXXX several payments of {$96.00} per month between XX/XX/XXXX-XX/XX/XXXX and informed them that I had an insurance plan with XXXX . They confirmed this information, billed XXXX and received payment from XXXX yet are denying that they did so and are continuing to bill me in the amount of {$850.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX security breach, summer ofXX/XX/XXXX, I had my credit frozen. I signed up with XXXX  Credit monitoring just to be safe.

I have had an excellent credit score in the 800 's for many years.

I was notified XX/XX/XXXX that my credit score has fallen 54 points on all three reporting agencies. There is no indication why this has happened. It seems arbitrary. Nothing has changed. No new credit. No new loans. One very small credit card balance was paid off, but that should not have effected my score this much. Everything is the same. Bills are paid on time or early and usually with more payment than necessary. No hard or soft inquiries. No one seems to know why this is happening. I have written a letter to XXXX  Credit monitoring to ask why this is happening. I honestly have no faith in them responding. If they notify someone of a 54 point drop in their credit, you would think they could tell you why.
Product: Debt collection

I received two notifications from XXXX that two debt collections from a company called Capio Partners - XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX were added to my credit report as collections ( one in amt of {$250.00} and other in amt of {$300.00} for Fl. Hospital ). I then disputed the information with XXXX as I had ever heard of this company or done any business with Capio Partners and requested collection agency provide proof of the original debt from FL Hospital or remove the items from my credit report. 
XXXX has provided me the results of my two disputed items above for Capio Partners who has indicated they verified proof of original debt and items remain on my XXXX report. Capio Partners has not provided me with any proof of the original debts with FL Hospital and can not verify the debts to me so they need to be removed from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since XXXX XXXX, 2016. I have received my title for the vehicle which further indicates that the loan is paid in full.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks,