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

I opened my account in XXXX, 2019 at XXXX XXXX branch and had XXXX direct deposits after that. All of a sudden the bank closed my account in XX/XX/XXXX without even notifying me in advance. I got an email from them that my balance is zero and account has been closed. First I got scared that its a fraud and I called them to find out what happened, but they couldnt provide any information or reason and they also said that I should pick up the clearance check in the branch where I opened it. I am visiting my fianc in XXXX right now and will be traveling for the rest of summer. So I cant go back to XXXX to pick my check and they dont provide me with any other solution. I think its should be illegal to close account without notifying me and doing whatever they want with my money. Im a XXXX candidate and Im not working in summer. This money is very important for me right now. Also I opened my account during promotion period, which said that I will receive XXXX $ after having XXXX $ direct deposit in a month which they will put in my account after XXXX days of receiving the deposit. Of course, I didnt receive any promotion too.
Product: Credit card or prepaid card

It will not let me use the card at all. It always says " there is a problem with your bank. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Revenue reported the child support my late wife was awarded in my divorce for the time we were separated as back delinquent child support even though the payments were payroll deducted and I never missed one. She unfortunately passed from XXXX XX/XX/2021 and I now have my 2 minor children full time. I have been attempting to obtain a mortgage ever since. Due to the inaccurate reporting, I have been repeatedly denied a mortgage even by the VA ( I am a decorated combat veteran ) I went to court and the DOR agreed to have both inaccurate accounts deleted from my credit report in XX/XX/2021. As of today, XX/XX/2021, that has yet to be corrected. One of the accounts is still showing and now the payment from XX/XX/2021 showed as being in collections. Last month it did not. This black mark on my credit just will not go away. I now have an enormous amount of inquiries due to trying to get a mortage on all 3 reports because of it which is now also stopping me.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax received a fax from from 29 pages long which pertained to Identity Theft. I faxed over my police report, identity theft affidavit, proof of identity, list of accounts to be blocked due to identity theft, and a copy of 605 b rule. They did not block accounts in 4days they just disputed the items XXXX and XXXX  blocked the items from my credit profile
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account and Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the collection account placed on my consumer report. The collection agency has not provided the necessary validation information required under 12 CFR 1006.34 ( b ) ( 5 ), and yet, the account has been reported to the credit reporting agencies. 

Additionally, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As such, I believe my consumer rights have been violated. 

The collection agency is using false, misleading, misrepresentation, and deceptive means in its efforts to collect this debt, which is a clear violation of my consumer rights. Moreover, the agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

Given these violations, I am requesting the immediate removal of this collection account from my consumer report. Failure to comply with this request will leave me no choice but to pursue further legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$1800.00} Please acknowledge receipt of this letter and confirm, in writing, that you will remove the collection account from my consumer report. I expect a response within 30 days from the date of this letter. 
XXXX  Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

This account does not belong to me. This account belonged to my Ex-Wife. I never had an account with you. Please remove this account from my credit report. I have disputed this account many times with Midland Mortgage and the Credit Agencies. I need your assistance in getting this account removed from my credit file.
Product: Debt collection

I recently received a copy of my XXXX  credit report that shows a collection that should have been removed off my credit. I was advised by the collection agency representative that the address they had in there systems did not match the correct address for me, therefor I was not notified properly of the debt in question and if I paid the debt it would be removed off all 3 of my credit reports ( XXXX. XXXX, XXXX ). Attached is a copy of the XXXX  credit report where the item was deleted but as of today XXXX is still reporting this debt on my report. I am no longer reponsible for this account and it is negatively affecting my credit report, I am asking that this item be removed asap. If this account is not deleted I will be forced to contact the XXXX and seek legal counsel to file suit. Thank you
Product: Credit reporting or other personal consumer reports

Start dates : XX/XX/XXXX amounts : credit limit : XXXX : XXXX The company is Bank of XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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
Product: Credit reporting or other personal consumer reports

I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called XXXX XXXX XXXX, officially registered as a debt-buyer with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and bonded within the state of Texas. I have attached copies of the three credit posts that show as a debt buyer for a debt that never belonged to me, and under the Fair and Accurate Credit Transaction Act ( FACTA ). As a federally bonded agent in debt collections, XXXX XXXX XXXX did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and one vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under FACTA, I demand that XXXX XXXX XXXX remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas and the compliance office of the XXXX. 

( XXXX ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( 4 ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 
Accordingly, the complaint I am submitting is valid, the collection is not, and must be deleted permanently from each credit bureau, XXXX, Equifax, and XXXX XXXX respectfully. 

XXXX XXXX
Product: Debt collection

I have received two collection notices from Convergent Outsourcing , Inc. - attempting to collect a debt or debts. 
Each notice is for {$410.00} ( so, total of {$820.00} ). The creditor listed in both cases is XXXX XXXX XXXX. It looks like the debt was originated on XXXX XX/XX/2021. 
This is not my debt. I have never bought a XXXX product and do not owe these two debts.

I'm assuming that this is the result of some identity theft..

I have a call into Convergent
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis received my certified letter XX/XX/20 requesting a Method of Verification regarding their claim that a Chapter 7 with filing number XXXX is verified as correct. They have 15 days to send the documentation. They are outside of the time frame to send the requested documentation. They are out of compliance. I am exercising my rights under FCRA 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  account, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Debt collection

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Product: Debt collection

On XX/XX/XXXX a man contacted me stating he was an attorney assigned as a middle man between me & a company I owe money to, Cash Call ( now owned by XXXX. ) He stated they were prepared to serve me unless I paid them. I paid {$200.00} and created a payment plan. That same day I texted him per his preferred method of communication, asking for an emailed copy of the payment plan on his companys letterhead. I had to request this 3 times before I finally got an email from XXXX that looked like a manually typed email. My last XXXX of XXXX was incorrect and so was the state I reside in. I went on to text them on XXXX asking for the documents before I make another payment so my lawyer and I could verify it. They never responded or sent me another email. Today, XX/XX/XXXX, he sends me a text saying my payment has declined XXXX weeks in a row to to contact them immediately. It has been more than XXXX weeks. I then stated the same thing I had been asking for in which they replied they supposedly sent the documents to me several times no they have not. They again threatened to serve me and I stated I would report them. I tried calling to discuss this and of course no one answers. 
The name they use is The XXXX XXXX XXXX using a fake address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the phone number he is contacting me from is ( XXXX ) XXXX. I was scammed like this back in XXXX whose company of course no longer exists. 
The payment processor used is XXXX XXXX XXXX which has been involved in many scams per the research Ive done.
Product: Credit reporting or other personal consumer reports

I FILED A COMPLAINT ON XX/XX/year> TO XXXX, TRANSUNION AND XXXX REQUESTING THAT THEY VALIDATE A NUMBER OF ACCOUNTS THAT I BELIEVE ARE INACCURATE AND THESE COMPANIES ARE NOT COMPLYING WITH THEIR OWN POLICIES IN A TIMELY MANNER.
Product: Student loan

Hello, I've paid what I could the last 13 years and my loan has yet to show for it due to high interest rates. The principal of the loan is XXXX and i paid well over XXXX 've been deceived by my Navient private student loan about requirements with XXXX on-time payments to release my co-signer ( my father ) from the loan and steered toward repayment plans that resulted in borrowers paying more than other options.I can't move improve my financial situation with this loan. I'm married and have XXXX children. I want to get a house but This enormous debt would make it very difficult to get. My federal loans were discharge due to my college being closed for being a profit college with false pretenses. I received refund of the payments XXXX XXXX need help if possible, Thank you.
Product: Debt collection

I first became aware of XXXX XXXX around XXXX XXXX XXXX XXXX, likely when I returned home briefly from college. Upon leaving home, I proactively contacted the bank while en route to my college campus, diligently explaining that the charges in question were not authorized by me. I underwent a comprehensive information-sharing process during that initial call. Following that interaction, there was a prolonged period of silence from the bank until around XXXX, when my grandmother informed me about a paper sent to our house regarding the same charges. Subsequently, I wrote a detailed letter to the company, reiterating the circumstances surrounding the unauthorized charges. 

Throughout the past year, I encountered several calls from debt collection agencies inquiring about the same charges. In each instance, I consistently provided them with the same explanation. Additionally, I received another letter later in the year, prompting me to respond in writing in XXXX. Despite these efforts, there was no substantial progress until a few weeks ago when a representative finally contacted me about the debt and sent a letter by mail to facilitate resolution. It is this recent development that has prompted me to file a formal report. Please consider the timeline, actions taken, and persistent efforts made on my part to rectify this situation when communicating with the involved companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Please assist - I have absolutely no knowledge of the alleged debts listed on my credit report. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. 

I opened up my mail to find that credit had been applied to in my name. I immediately reported this to the FTC so that the bureaus can rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX account ( # XXXX ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. I have made all payments on time, as I am enrolled in autopay for this account. 
Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require accuracy in reporting and correction of errors. 
Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a XXXX late payment in XX/XX/XXXX. 
Requested Resolution I request that Equifax investigate this matter and remove the inaccurate late payment from XX/XX/XXXX. Please provide written confirmation of the correction within 30 days. 
Attached, you will find supporting documents, including payment confirmations and autopay enrollment records, to demonstrate my timely payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accountss as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a payment of {$3700.00} from XXXX ( my bank ) to my landlord to pay my house 's rent. The following day on XX/XX/XXXX, I got a notification from XXXX saying that the amount was returned. Turns out the Bank of America recipient gave a wrong account number with dashes in it. However, {$45.00} was not returned, nor did Bank of America explain why. I shouldn't be charged {$45.00} for a failed transaction that should've been immediately caught as having wrong characters in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTUCTONS
Product: Mortgage

I have been in my home over forty years. I need to refinance my mortgage because of my interest rate is adjusted out to 10.29 per cent. I do n't want to loose my house. I 've submitted a modification request and financials several times. They refuse to modify my house. There is a property foreclosure sale set for Property foreclosure sale
Product: Debt collection

So i am requesting that a verification of debt be sent, as the signed contract of ownerships of debt, and the itemization of debt which is being claimed to be owed. 

Company claims they are working on behalf of apartment complex that states there was an unpaid balance. There was no formal notice of debt and there is also no information given pertaining to the debt because there was no itemized receipt that was generated as an invoice from the vendor that were used. They took my security deposit as well.