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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXXXXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I received a letter from Chase bank that they are closing my account due to inactivity, even though I have made at least one purchase a month with the card for the last three to four years. I made two purchases this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I appreciate your time into looking into this matter. 

This collection is not supposed to be reporting on my credit report. 

Harvard Collections has not provided proper debt validation. 

The statue of limitations has passed. 

I do not have a contract with Hardvard Collections. 

They have no right to collect this debt. 

I believe that they are making a mistake since my name is very common. 

Hardvard collections has no rights to collect in my state.
Product: Debt collection

Sent two debt verification letters to creditor, never recieved a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FRAUDULENT ADDRESSES AND ACCOUNTS ON MY CREDIT REPORT. I HAVE SENT INFORMATION IN TO THE CREDIT BUREAUS WITH MY POLICE REPORT AND ALL OF MY VERIFYING INFORMATION WITH THE NAMED ACCOUNTS. XXXX, XXXX AND TRANSUNION WILL NOT REMOVE ALL OF THE FRAUDULENT ACCOUNTS. I HAVE SENT THE POLICE REPORT TO ALL XXXX BUREAUS THE POLICE REPORT NUMBER IS XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My payments are set up for auto-pay for the XXXX of every month. In XX/XX/2024, they had a system glitch, but did not notify anyone. I found out after the fact, on the XXXX, they had a glitch when I sent them an email. I was told to call. On the phone, they said there was a glitch, but there was not penalty for the late payment. When reviewing the information, I discovered I was charged more in interest due to the late payment. I asked for this to be corrected which they did not do even after saying it would be reviewed ( never got a follow up to that. ) I emailed as well to the support representative that initially replied to my email about the phone call issues. I have sent several follow ups, with absolutely no response other than the auto-reply saying the message has been received. Additionally, in this process, I found out that extra payments I made were not being applied to principal, even though they were over the minimum payment, and nothing in the contract/terms state the application would go to interest.
Product: Credit reporting or other personal consumer reports

It has been over XXXX days and XXXX, Transunion, XXXX has not produced result of deletion of negative items
Product: Debt collection

Portfolio recovery association has called me none stop since the covid 19 pandemic and even yelled and screamed at me stating that they are going to sue me and involve law enforcement if I do not pay a debt that I keep explaining to them that I do not owe. 
They do not have proof of me opening this account. 
they refuse to validate this account because they themselves know that they can not confirm I am the owner of this debt. 
they are even reporting two huge amounts of credit card debt in the amounts of XXXX and XXXX dollars. I called them numerous of times and explained to them that this not an account that I have opened.
Product: Debt collection

SANTANDER CONSUMER USA IS IN VIOLATION OF XXXX XXXX XXXX XXXX XXXX XXXX. I sent SANTANDER CONSUMER USA a letter on XX/XX/2021 opting out and revoking consent from SANTANDER CONSUMER USA to disclose my nonpublic personal information which is my personal identifiable financial information to any nonaffiliated third parties. SANTANDER CONSUMER USA continues to disclose my personal identifiable financial information to nonaffiliated consumer reporting agencies. Once SANTANDER CONSUMER USA receives this complaint I expect it's officers to comply with my request. Examples of personal identifiable financial information SANTANDER CONSUMER USA can no longer disclose to any nonaffiliated third party can be found in 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report.
Product: Credit reporting or other personal consumer reports

I have asked for verficiation of the investigation results from Experian, XXXX, and XXXX on multiple occaissons on two accounts. XXXX XXXX and XXXX. They have not provided me with their verification method of investigation and have not fixed any errors regarding these two accounts. XXXX continues not to provide me with a copy of my credit report and after sending in documentation multiple times to correct my birthdate and social that they have listed, they still have not corrected this. XXXX also continues to report three accounts under the XXXX XXXX XXXX that were discharged and forgiven in accordance to the federal lawsuit that my loans were part of. I have called and sent all documents and still they continue to report incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. XXXX XXXX XXXX XXXX date XXXX. 

Please remove XXXX XXXXXXXX inquiries as the account has already been removed. 

Please update XXXX account that was open on XXXX XXXX to XXXX percent payment history. This account has never had a late payment.
Product: Credit card

Capital One Bank solicited XXXX XXXX a consumer by mail to apply for a credit card. I applied for a Capital One Credit card and was instantly approved online on XX/XX/year>. I made a purchase on XXXX on for {$200.00} on XX/XX/year>. I returned 3 out of the 4 items to XXXX and my card was credited {$150.00} and I have a balance of {$50.00}. 

On or around XX/XX/year>, Capital One restricted my card from any purchases or payments. I have called them on multiple occasions since XX/XX/year> and was instructed to provide my driver 's license and 3 months bank statements with my FULL bank account number to verify income. I uploaded my drivers license and 3 months bank statements, but for SECURITY reason my bank does not include the FULL account number on my bank statements for my protection. Capital One says that's not sufficient they want my bank account number revealed. My account is in the fraud department for identity reason I am who I say I am. My income was stated accurately and Capital One deceived a consumer through solicitation and they have unfair and deceptive business practices.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX PLUS Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXXXXXX  Credit Reporting Agency, Equifax Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

At first I received a phone call about a debt I asked who were they if they could mail something to my house with my signature still haven't received anything but text after text, emails and phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting

XXXX acct was closed, now its bk on cr rept
Product: Debt collection

I called the National credit adjuster on XX/XX/XXXX, spoke with a rep, gave a statement, and sent an XXXX identity theft report via the email specified in the call. On XX/XX/XXXX, I visited the National Credit adjuster website, filed a complaint, and provided a report. On XX/XX/XXXX, I filed a dispute with XXXX and provided a copy of the identity theft report. On XX/XX/XXXX, I contacted the CFPB. In XXXX XXXX 's response, he has advised doing the same things I have done multiple times with no response. Also, XXXX XXXX failed to mention that I filed an identity theft complaint with XXXX when the account belonged to them, and they removed the negative item and closed the account. The negative item then reappeared when NCA purchased it from XXXX. XXXX XXXX is asking me to do what I have done from the fraudulent account was brought to my attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019, I disputed a collection account from XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX with Equifax to no avail. XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX has failed to verify that the collection account belongs to me. Additionally, I disputed inquiries that were on my Equifax credit file without a permissible purpose on or around XX/XX/2019 and and Equifax requested that I provide my identification which I did on XX/XX/2019 illustrated by the enclosed correspondence and Return Receipt. Additionally, Equifax has delayed an ongoing dispute concerning the collection account from XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX with the Consumer Financial Protection Bureau ( Complaint ID No. : XXXX ). Equifax has not addressed these issues which has caused me financial harm and have adversely impacted my interest rates. Although I provided my identification to Equifax evidenced by the enclosed correspondence and Return Receipt, Equifax again requested my identification on XX/XX/2019 illustrated by the enclosed.
Product: Debt collection

I sent 3 letters to request that the agency, XXXX XXXX XXXX, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, delete the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requested a " hard '' copy of our credit report from Experian without authorization. We were shopping mortgages and were assured the inquiry was a " soft '' copy and would not affect our credit, which was false! We did not use this company after they lied to us.
Product: Checking or savings account

It's ridiculous that I must go through this to order a checkbook. I opened a checking account with Bank of America in XXXX of 2022. I have since been trying to order checks and am unable to. i have had other banks in the past and had no problems. But this bank there is nothing but issues. How hard is it to send me some XXXX checks. I am getting XXXX! over this waste of time and unnecessary stress! I am a XXXX veteran with manic depressive disorder and severe XXXX XXXX and this is something I shouldn't have to be dealing with. 

I couldn't order checks online, so i went into the bank to ask them to send me checks. they told me I had to download an app to my phone to do online banking and I must order checks through there, or on an online account on my computer. I go online and go to the link to order checks. There are no checks, there are only deposit slips, checkbook covers, and name and address tags. Not a single check!!!!! 

I would email them or message them and send them a message telling them what I think of their incompetent management! Except they have no way to contact them! I do not want to hear, " sorry for the inconvenience '', or I will freak out!!!!! When you click on contact on the Bank of America page in your own account. they have nothing but phone numbers so that you can be nothing but annoyed with the slow recordings that solve ABSOLUTELY NOTHING!!!!!!! It is ridiculous! And I am fed up with it! They obviously do not have a contact to send a message or contact someone because they don't want to be bothered with having to render customer service! Yet they charge a hefty fee each month for a checking account. i want every month that I have been charged for this account refunded to me as they do not do a job. They do not provide a service. they can't even provide one XXXX check. They are a XXXX! And whomever is in charge of this should be FIRED! 

I want checkbooks sent to me and in my mail within one week or this account will be closed! And I will file charges against them for charging me for an account that they refuse to render services. If they can't hire a decent XXXX XXXX that can ensure that links are online for customers to order checkbooks, then they shouldn't be in business. There is no excuse as it is mandatory to check your work, and obviously nobody went online with the many different computer operating systems to ensure all the links are available to all the systems. i have a XXXX computer. If it isn't compatible with their online banking then i want to know so i can close the account and use another banking institution that DOES! Provide a service to those with XXXX operating systems! I will not change my computer to satisfy their lack of intelligence! 

My name is XXXX XXXX and my Checking account number is : XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a account with PayPal I received prepaid PayPal Mastercard I called activated it on XX/XX/19 I asked PayPal how to put money on the card so I could use it to send money to friend, onXX/XX/19 I put XXXX $ on the PayPal card came home sent XXXX $ dollars to XXXX XXXX another PayPal user ok that left {$200.00} on XX/XX/19 try to pay for gas so I could go grandchildren house the card was declined so I called PayPal to see wha was wrong well I was told the put ahold on car til I send them Calif I'd I explained to them I didnt have any identification my purse had been stolen but I will go Monday to get one with my address on it, so idid I sent the receipts that that I had done it but since had no picture on it, it would still have a hold yes I got very upset cause when I applied for the prepaid I should of been ask then and I couldnt understand the man that I spoke to couldnt get help so I decided to wait for picture I'd to come well I call back and ask if I could do anything to get my money back he told no cause was suspicious transaction been done on the account only transaction that was done was the deposit and I sent money out but the man told me I could have money sent to me I would be able to access it and use it, ok I had XXXX XXXX send the loan of XXXX $ back to card well I waited then called finally I was told my card was froze and PayPal doesnt want to be PayPal customer due to the transaction that had been done with card. I said fine how do I get my money back they said I would have to 160 days for it after investigation yes I got angry 160 days they able to keep my money when I only have very lil money to live on each money I'm on a fix income I received SSA XXXX I have no money but that I asked why would you guys let me put more money n the card if you guys already closed the card on the XX/XX/19 she told I was lucky they let me do it but I cant any money maybe 180 days if they decide to I couldnt believe it so I started looking around on internet and I found site where it explain how get my money back it shows so many people getting this done to can you please help me I keep losing this complaint when I try added my pictures of my acct transaction to it
Product: Mortgage

There is a motion on XX/XX/XXXX @ XXXX XXXX XXXX courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. 
XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans XX/XX/XXXX. 
1. Got out of non-jury trial XX/XX/XXXX which I knew before walking in Judge chambers I was going to lose. 
2. Five Year Statute of Limitations XXXX SOL XXXX Expired XX/XX/XXXX. 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : FORGED SIGNATURED & NOTARIZED ON ORIGINAL MORTGAGE, robo signing, testifying. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX at non jury trial, it is sad and unacceptable how all their lies, fabrication, abuse of justice system were allowed into evidence. My Forensic Examiner/Witness testimony to original mortgage & note signatures being 100 % forgery was not allowed by XXXX XXXX Court. XXXX law firm does all plaintiffs dirty work. Attached is the letter from my Forensic Examiner to this fact. 0 DUE PROCESS!!!! 
4. Force placed homeowner insurance obtained at illegal price gouging rates three, four times normal amount. Obviously this bank makes huge amounts of profit on this type of insurance they claim to buy & with whom of their choosing of course. 
5. I was told by attorneys at XXXX XXXX Courthouse XXXX XXXX does not ever lose a foreclosure case XXXX XXXX XXXX even with 100 % FRAUD XXXX. Our once sacred courthouses have been taken over and preyed upon by this mammoth corporation. 
6. XXXX XXXX XXXX XXXX XXXX. ( yes same XXXX here XXXX is scheduled to open oral arguments XX/XX/XXXX before Florida 's Supreme Court addressing addressing the 5 year Statute of Limitations. SOL has expired on this closed case.
Product: Money transfer, virtual currency, or money service

My wire transfer has been blocked by Chase bank on XX/XX/year> ( reference number XXXX as per attachment ) under sanctions program XXXX. 
I have duly applied for an XXXX license as it was advised and finally received it on XX/XX/XXXX ( license is attached ). Chase bank has surely received the license and yet have not released my funds after 1 month. Inquiries from recipient bank are also un answered.