23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is repeatedly calling me about a check I wrote 18 years ago that was supposedly returned. If it was, I resolved any returned checks I had at that time. They refuse to send me anything by mail and keep calling both my cell phone and my house phone. They have spoofed multiple numbers but have called from the XXXX number the most. They are extremely rude and hang up on you if you ask them to send you information in writing. If you search the number they are doing the same thing to many other people. I would not pay a debt without information in writing or knowing anything about it. They know my name, my phone number, my date of birth, and the last XXXX digits of my social!!! That is scary!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions. 

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

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX Balance Owed XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
NAME ( Print name, Never Sign )
Product: Checking or savings account

On XXXX XXXX, 2017 There were two ATM transactions that were not authorized on my checking account for the amount totalling {$600.00} by someone other than myself. These transactions caused my Checking account to be overdrawn and I was charged {$70.00} in fees. The problem that I am having with this is the simple fact that at the time of the two ATM transactions I only had {$57.00} in my Checking account. The question that I posed to the Bank ( bank of America ) is why did they allow the atm transaction to take place. I did not have enough to cover a {$600.00} transaction let alone 2 transactions. I filed a claim with Bank of America immediately. They initially credited my account along with the overdraft fee while they investigated the claim. After their investigation, to my confusion, they determined that the withdrawal posted correctly. This, in fact, is why I am reaching out to your agency to get help in preventing them from reversing the claim on my account and making others aware of this type of unfair business banking practice especially to an elderly man like myself who lives on a fixed income. I can not afford this! Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out multiple times to NCB about removing account from credit report after being promised by management that this will be done as soon as agreed settled amount of {$1200.00} was paid. Amount was paid on XX/XX/2020 and the account is yet to be removed.
Product: Checking or savings account

In the second week of XX/XX/year> my citi credit card and debit card were cloned in XXXX  XXXX ok. I believe at XXXX XXXX. 
Citibank returned the credit card money ( I have attached a snapshot of this return ) total was aroun XXXX Citi returned the XXXX XXXX  on the debit card 3 times and then took the money back 3 times also. This is around XXXX in ATM with drawls and the rest were at XXXX and XXXX. ( I have attached documents and correspondence with Citibank over this issue. 

I have attached a letter from Citibank where they say that it looks like fraudulent active also. 
No one from the fraud department at Citibank talked to me at anytime during all of this. 

Citibank did close this checking acoount and open me a new as they said it had been compromised, I am XXXX and on a fix income and this is a lot of money to lose. 

I have been told verbally that the return was denied because of shopping patterns, there are only so many places to shop in XXXX  XXXX ok. 

One more thing some one who said they were from XXXX XXXX  got in my phone and transferred out XXXX XXXX  also. 

I had a run of bad luck in XXXX.
Product: Credit card

On XXXX XXXX 2015, I was visiting XXXX ( XXXX ). I took a taxicab there, from the center of the city to my hotel. This should have cost not more than {$20.00}. The taxi driver insisted that I pay by credit card, took my credit card and returned it to me. I did not sign anything. Shortly thereafter I was told that the driver had in fact charged {$510.00} for the ride. 
On the very same day I called the credit card company ( Barclaycard from Barclays Bank Delaware ) to complain. 
They said that they would look into the matter and would let me know. Three months later, ( as of XXXX XXXX ) they are still charging me for it. They claim that they talked to the merchant and he insisted that it was a legitimate charge, and that they can therefore do nothing about it. They sent me a copy of the voucher, with a signature that looks nothing like mine. 
I have talked to the people at Barclaysbank Delaware at least XXXX times. They always say that they will look into it, but never do anything about it. I have sent them a handwritten letter, but they do nothing about it. 
I want everyone to know about this. These people would rather take the word of some taxi driver in XXXX than mine.
Product: Mortgage

We submitted a complaint to the CFPB on XX/XX/XXXX regarding a servicing issue with Carrington Mortgage ( Complaint # XXXX ). Carrington Mortgage refused to use borrower 's pay stub to calculate income because pay stubs did not have year to date income totals. We sent a written response to Carrington from the borrower 's employer on the employer 's letterhead providing those year to date totals. On XX/XX/XXXX Carrington provided a response to the CFPB saying they needed more time to respond but sent a notice of cancellation dated XX/XX/XXXX to the borrower. However the CFPB has not received the same correspondence from Carrington Mortgage stating the file is canceled because the file remains open according to CFPB records.
Product: Money transfer, virtual currency, or money service

Square closed my account for no reason, gave no explanation. But I already had a client set up to use square to pay me for a catering service I provided. 
I was forced to open a second account through square. They closed that account as well. The funds from the first account made it to my bank with no issues. The second account funds were sent to another account entirely in the sum of {$4500.00}. 
After several months the bank did find my missing funds but now the bank and square are both pointing fingers at another to fix it and neither have made it correct by getting the funds into my account
Product: Checking or savings account

Today this bank denied me access to set up an account based on me having a balance. However, their was nom active pursuit to collect on the balance. After reviewing the statements I have taken note that my account was overdraft and that their were items that returned which caused insufficient funds fees, however there is no documentation on why those items were returned. I have gone through the statements with a fine tooth comb and their is no proof showing why the items that were returned were not covered. 

I am demanding a dispute of all charges and requesting my rights to reopen an account.
Product: Debt collection

On XX/XX/XXXX I was told that I could make a {$1000.00} dollars and all I needed was to give the person my debit card and pin number. I did so and around XXXX XXXX that morning I had {$990.00} in my account, the person told me to send {$670.00} through XXXX XXXX and XXXX XXXX and that more money would come later. I did so and later that day my Huntington account was locked I called to see what was going on and they did not give me much information just that in a few days they would be able to tell me what was going on. About 5 days later I got a text alert from Huntington stating I was in the negative {$1000.00} dollars. I called up there later that day and they said there was nothing they could do. I called on 3 different occasions hoping to get a different response but each time same result. On XX/XX/XXXX I got a letter in the mail XXXX XXXX XXXX stating I owe the above balance. Today I was starting a payment plan to pay the debt and a friend who was a victim of the same scam told me that he disputed the debt since he was a victim of fraud, and his bank account was closed and his balance was reset to XXXX. Which I did not know you cold do up until now since I was told there was nothing I could do by representative at Huntington.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Over the past 14 months I've disputed a incorrect amount of a collection, via credit bureaus all of which results cone back " vaild debt or amount ''. Today with acknowledgment, I recorded the calls w/ LJ Ross collection agency , after XXXX and XXXX both supervisors told me that if I was disputed the amout of debt, the information would need to be confirmed through original creditor. XXXX, when asked how were LJ Ross to render a decision to credit bureaus over the past 13 months, WITHOUT verifying data..no answer was given. Upon calling XXXX  and speaking w/XXXX  he informed me that XXXX  no longer report to credit bureaus effective 2018, futhermore my account is listed as CLOSED, all and any information MUST come from LJ Ross. If LJ Ross is telling you they must call us to get information regarding your account to send you is INCORRECT ... XXXX went on to read XXXX  protocol in how they do not handle, deal or report to credit bureaus and went on to read that all consumers are referred back to the collection agency. When called back to inform XXXX another supervisor about information I just received, he asked that's not true ... and asked " so how much do you think you owe ''?, " we just need to get you a summary of your accont '',. When pushed him as to how this information was NOT already available, considering I made ANOTHER request XX/XX/XXXX, XXXX became defensive stating, I was being threatening '' ... .I called back to XXXX  to express my findings, and they opened another dispute and recommended that I file a complaint with CFPB, due to all the inconsistency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Westlake Financial Services is reporting a charge off to my credit report but has yet to provide me a 1099c form.

Under the Internal Revenue Code ( IRC ) Section 6050P, lenders and creditors are legally obligated to issue Form 1099-C when a debt is canceled or written off, ensuring transparency in income reporting and compliance with tax laws.

According to credit report loan was charged off for the amount of {$5500.00}. Please investigate matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on credit report
Product: Credit reporting

I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XXXX XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XXXX XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes XXXX, Transunion and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XXXX 's payment and paid on XXXX XXXX, for XXXX, but I have never ever been 30 days late!
Product: Debt collection

they have called and called, 20 times a day and i have no idea who charged up the card in my name
Product: Checking or savings account

On XX/XX/2023 ; I received a notice from USAA on my app that my closed checking account was reopened. The letter said " Were writing to notify you that your USAA Bank account ending in XXXX has been temporarily reopened due to account maintenance that needed to be completed, or a transaction or transactions that were required to be posted. '' This account was charged off in XX/XX/2023 due to fraudulent activity due to true name identity theft that was not properly or fully investigated by USAA 's fraud department. On XX/XX/2023 at approximately XXXX. I was advised by a XXXX XXXX from the restricted accounts/collections department that the bank is entitled to reopen the closed account to accept deposits that are not entitled to the bank and take those funds to apply to any debt. 

According to Administrative proceedings case number XXXX XXXX, USAA was ordered stop reopening accounts without consumers consent and to conduct fair investigations with respect to fraudulent activity. USAA did not obtain my consent to reopen my old account after closure which the account being closed for XXXX month, any prior consent was revoked upon closure of the account. USAA did not reject an erroneously sent payroll direct deposit which they are required to under Regulation Z which puts them in violation of the consent decree and in violation of criminal statutes of theft by conversion by intentionally refusing to return my property illegally taken by USAA. 

The taking of my payroll direct deposit constitutes theft and unlawful conversion of my property.
Product: Debt collection

Southwest credit systems has reported an alleged debt in the amount of {$50.00} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Southwest credit systems obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Southwest credit systems on XX/XX/2021 and I await a response.
Product: Mortgage

My home was foreclosed in XX/XX/XXXX, due to loan modification not being approved. My complaint is this : I should be a part the settlement that occured on XX/XX/XXXX, due to improper modification standards, but I have not been notified by Wells Fargo. In fact, when I contacted Wells Fargo recently, they have no record of my mortgage from XXXX to XXXX. I had a financial hardship and entered into the loan modification program during XXXX, and entered the loan modification program XXXX separate times, unfortunately, nobody ever spoke to me, I only received denial reasons, unexplained. This clearly appeared to be a staffing or volume issue that Wells Fargo do not have a handle on, and I should be included in the wrongful foreclosure, as nobody investigated my loan modifications, and of course, now there is no record. I can provide statements if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are on XXXX and Transunion Reports and I did not authorize. I have called the companies and have been redirected to the credit reporting agencies to remove inquires from credit or directed to CFPB to file a complaint. I also contacted XXXX and Transunion and was directed to file a complaint with CFPB. Below are the Inquires with the credit reporting agency. 

XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX- XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 Transunion Credit Bureau XXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditors : XXXX XXXXXXXX XXXX XXXX Violated Section 15 U.S Code 1681a.-Definitions : rules of construction- Exclusion-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as a transaction or experience between the consumer and the person making the report ; 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes I need for these late payments to be removed from my credit due to the violation of my consumer report
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of information as soon as possible from my credit file that resulted from alleged identity theft. I have previously reported this identity theft and provided documentation supporting my claim. I am resubmitting this request in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such items not later than 4 business days.

Given the urgency of this matter and the legal obligation under FCRA, I expect prompt action to remove the disputed information from my credit file. I request that you provide confirmation of the removal once the necessary steps have been taken.

Failure to comply with FCRA guidelines and address this request in a timely manner may result in further action being taken to protect my rights under the law. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX