23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft! I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible
Product: Vehicle loan or lease

I purchased a car through Capital One auto loan financing and when I was done paying for the loan they sent a letter to the three credit bureaus that the loan was charged off it was not so I wrote them a letter on XX/XX/2019 and they told me that it was a charge off. So I got XXXX XXXX  to help me get it off my credit and they could not get it off my credit so I come to the XXXX for help.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous. 

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Product: Checking or savings account

I have had a Kabbage checking account since last year and earlier this year I saw an offer on their website that offered {$200.00} for applying for a business loan and getting approved. I applied and they declined the application due to some issue ( I can't remember ) but in XXXX I received an email from them stating that they were unable to determine if my credit reports were unfrozen ( email attached ) and that they were reinviting me to apply by XXXX XXXX. When I called today asking about not receiving the {$200.00} bonus, the rep told me that I had not linked my account by XXXX XXXX and she said that this was mentioned in my welcome email upon approval and there is no such thing in my email ( attached ). Upon reviewing further and the original offer sheet I had saved, I noticed that this specific condition is something that they have added to the terms after merger with American Express some time in XXXX ( it was not in the original terms - attached ). However, it still does not matter in my case because when I reapplied in XXXX, I could not proceed with the loan application without first linking my American Express XXXX XXXX account - I think my old linked accounts ( XXXX, XXXX XXXX  ) were inactive and had low balances and so I linked my American Express XXXX XXXX account during the application process - as I recall, the system wanted me to link a business checking account before proceeding with the application and it was stated somewhere that they review/analyze the history in the linked checking account before approving the application, and only after linking the Amex checking account, the application went through. So the Amex XXXX Checking account was and has been linked before the application was approved and and I have not made any changes since then.
Product: Debt collection

This company sent me a email stating I owe them I never stayed in the property they saying I owe I been at my address that Im at now for 3 years Im asking this company to not put anything on my credit report thats not mines
Product: Mortgage

Freedom Mortgage will not update my account to reflect that XX/XX/XXXX payment has been made and to reflect my next payment is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage account # XXXX DOB XX/XX/XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX US DEPT ED XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the accounts for PORTFOLIO RC ( XXXX, XXXX ). This is a violation of my rights. I contested these errors with the XXXX credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC. 

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Bank account or service

Citi bank had a promotion for City Gold Checking where they would reward you with XXXX airline miles if you completed all the requirements. I opened the account in XX/XX/XXXX but they made a mistake and opened a basic checking and when I inquired they stated they had system issues but they did find my application in the gold department finally. I had made out XXXX applications for the gold as their system was down and they instructed me to fill out another application. I finally got the account set up for the gold and the funded the account. I inquired with a rep named XXXX to see that I was set up for the correct promotions of XXXX American Airline miles and she assured me that I was and stated they were going to waive the monthly fees because of the issues. After a couple of weeks I contacted Citi Gold again and talked with XXXX and reviewed with her all the requirements that I needed to meet by the XXXX XXXX, 2016 deadline. I meet all the requirements within the time frame and contacted Citi by message to verify that I had met them and received the attached response that I would be awarded the miles in my American account by XXXX/XXXX/2016 and I checked and they were not there by XX/XX/XXXX. I contacted Citi and the rep stated that XX/XX/XXXX was not a business day and to wait and they would be in the account. I then waited two days and then contacted Citi again and they put in a claim which came back and stated there was no promotion offered in conjunction with the opening of my account but every rep I contacted before stated the opposite. You had to enter in your offer number in order to even get to the application page in order to apply for the account. I since have contacted Citi twice and again each findings state the same thing and I now know that as of XXXX/XXXX/2016 Citi was not issuing any miles to anyone so I have no idea how many people have been denied the miles they were entitled to.
Product: Prepaid card

American Express Serve has stolen {$400.00} from me. 

I had a {$400.00} balance on my account when it was closed. I was sent a refund check. 
I accidentally deposited it into the wrong account, my brothers bank account. It was returned unpaid. 
I then deposited it into my account in my name. It was rejected. My bank told me the first incorrect deposit has flagged the check, and I needed to get it reissued. 

I contacted American Express Serve many times to get the check reissued. They will not reissue the check because they claim it has already been cashed. However it has not been cashed, I do not have the money, and I attached proof the check was returned unpaid. 

I have called American express many times and gotten no resolution. They still have my {$400.00} and the representative even blamed me, saying it was my own fault. Does that mean they can just keep my money then? They have stolen the {$400.00} from me. This is criminal. Please investigate this
Product: Debt collection

On XX/XX/2022, starting at XXXX, I received multiple calls on my cellphone in CT from XXXX XXXX XXXX XXXX office in Georgia XXXX They are threatening to sue me on behalf of Security Credit Services. First they called me from XXXX and then multiple calls back to back from an unknown number. They were very aggressive and rude, stating they are going to keep on calling. During this same time within half an hour they even called my mother 's home phone in Maryland. 
I have disputed this debt and it was taken off of my credit report on a few of the credit reporting agencies, yet I'm still being harassed. The most upsetting part is that my mother is over XXXX XXXX XXXX and should have never been harassed being that she has never been used as a reference. They claim not to have my mailing address, which I instructed that I only do business in writing, yet they can track down my mother 's home phone number in another state that I don't even know by heart.
Product: Credit reporting or other personal consumer reports

Ive noticed some incorrect information on my credit report, which falls under the guidelines of 15 USC 16c-2. The data is inaccurate and negatively affecting my credit score. These inquiries were not authorized by me.
Product: Credit reporting or other personal consumer reports

I am writing to complain to XACTUS-CP/XXXX XXXX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

REQUEST FOR THE CERTIFICATION OF ACCURACY. Radius Global Solutions has not provided me with any verification or copy of the original contract, proof of identity ; or a legal binding contract. Radius Global Solution HAS FAILED TO GIVE ME ANY LEGAL INFORMATION REGARDING THIS DEBT. I HAVE CALLED AND CALLED AND DIFFERENT CONFLICTING STORIES AND I AM ALSO RECEVING RETURNED CERTIFIED MAIL THAT I AM SENDING THE THIRD-PARTY AGENCY. This fraudulent activity has significantly impacted my credit report and financial standing. They are harassing me and bullying me about an alleged cell phone debt, which no one has any knowledge of and cant prove legally. I need help with this issue. Thanks
Product: Credit reporting or other personal consumer reports

This is absolutely frustrating, I found errors on my credit report showing unpaid loans and late payments, leading to my car loan, house loan and new credit applications being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The end of XXXX, I called XXXX to share that I was having a financial hardship. They approved a short-term payment plan for my loan at a lowered monthly payment than what I previously had with them. My payment required due date was by XX/XX/XXXX. I had previously had my payments on an ACH payment to XXXX for over $ 400/month through my XXXX account. I stopped the ACH to assure that the old payment amount would not be drawn. I called and informed XXXX  of this and was told NO PROBLEM. XXXX provided me with their mailing address and my exact account # and I immediately created an account for them on my XXXX bill pay. A check was mailed out mid XXXX and cashed/cleared from my XXXX account on XXXX XXXX, 2020. My XXXX bill pay does not pull funds until the merchant cashes the check. This happened on XXXX XXXX, 2020. However, XXXX is saying that they did not receive the payment until XX/XX/XXXX. They therefore kicked me out of the short term plan, reported me to the credit bureau, and despite me sending copies of my bank statement showing their payment clearing my account on XX/XX/XXXX, refuses to reinstate me back onto the plan. I did make my second monthly payment in this plan for XXXX. The check cleared my XXXX account on XX/XX/XXXX which is two days after it was sent. I have sent 10 emails begging for help. I have called a dozen times pleading for help. I have done NOTHING wrong and this company has now ruined my credit score.  XXXX XXXX is a supervisor that I have spoken to multiple times. They claim that a " back office '' determines things and they can not help me. Today, I received a letter from XXXX representative " XXXX '' that was meant for another customer named " XXXX '' and it contained his personal information. This company is reckless and in violation. Please help me. I can provide my bank statements as well as poor XXXX email that they mailed to me addressing a bi weekly plan ( FYI - they told me that this email was for me and someone typed in the wrong name ... I NEVER asked for a bi-weekly payment plan so this is another lie ).
Product: Mortgage

According to my previous XXXX # XXXX my forbearance is extended to XX/XX/XXXX. " At this time, the remaining XXXX months of the extension has been granted. This final extension brings the forbearance valid through the XX/XX/XXXX. '' I got a letter from this mortgage company this month XX/XX/XXXX stating that my forbearance extended date is through XX/XX/XXXX. I do not approve this change in the forbearance date.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and discovered you Experian, XXXX or XXXX have failed to comply with FCRA guidelines Im asking that these accounts be removed immediately
Product: Debt collection

I was an XXXX customer. I had a complaint filed with the XXXX for unfair sales practices and fraud. ( they added services specifically XXXX  XXXX/XXXX XXXX  that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, Ms XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX  XXXX-XXXX, now Enhanced Recovery Company without communicating via phone or mail has placed this account on my credit file. This account continues to pop up on my credit report from various debt collectors. This is the 4th time and the 2nd time ERC has done this. How do they get away with this? I can only assume that XXXX XXXX XXXX XXXX XXXX is continuing to sell this debt that I do not owe. They made an error in their system, falsely created an account that I did not authorize and now continue to sell this phony erroneous debt. I am requesting that ERC and XXXX  clear up their records and remove this from my credit file. ERC has never communicated with me to give me the opportunity to confirm or deny the debt. They just placed the item on my credit report without process. That is wrong. This is the second time ERC has done this!
Product: Debt collection

XXXX XXXX XXXX is on my credit report as a collection account for the debt of {$1700.00} they sent a court ordered notice through XXXX XXXX. I had to get representation to validate the debt. The debt was settled which payments are being made on time. The debt is still reporting as a collection which nothing is paid. I am trying to repair my credit
Product: Debt collection

I currently have this account in collections with no balance. It list the open date as XX/XX/2012 and the original creditor is XXXX XXXX XXXX XXXX. I have called this medical facility in order to receive information about this debt. They referred me to XXXX XXXX XXXX however they have not mailed me any information about the debt. I do not see an amount owed. This is a medical debt which has not been validated. There is a statue of limitation of 4 years in Texas ( state I lived in at the time of this debt dates it occurred ) and 5 years in my current home state. I am asking for this Collection to be removed and stop being reported to the 3 Credit Bureau due to the statue of limitations on the opening date of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

About mid XX/XX/2018 I contacted Transunion in regards to unreported accounts I have and asked how I can get them on my credit report. I was told to mail to them all the information needed such as company name, account history, and such. I did this and now when I call Transunion, they now tell me they are unable to add these accounts to my report, it must be the creditor who adds it. 
I am disputing incorrect information on my credit report, which by law I am allowed to do, incorrect information is not limited only to what is reported. If something is missing it does not properly reflect an accurate or close to accurate portrait, thus, basically making the credit report useless to begin with. 
Transunion is suppose to open a dispute and investigate the information. They have basically told me they will not be investigating the provided information because the creditor was not the one who provided the information. 
This is just wrong to continue to work against the people on issues that are so extremely important as a credit score. 
A simple phone call to the creditor to confirm the account is in fact real is not difficult to do.
Product: Credit card

Im currently in the process of rectifying charges on a chase card. I was told an it is advertised that Chase sapphire is a zero liability for fraud in regards to the consumer. I have about a XXXX or so transactions that are suspected to be and mostly confirmed fraud. ( I did the work to find out ) At this time Chase has recanted on their promise for 24/7 prevention as well as zero liability to the consumer. 

I have had to double back to the executive team who hung up on me twice. Furthermore they are making an attempt to bill back fraud charges. ( Ive paid these once in the previous statements YTD.

When questioned they used terms like ideally and right away. Both of which are subjective by nature. 
Ideally Id prefer for these fraud teams to prevent fraud rather than take part.
Product: Checking or savings account

Bank of America has stolen my money. I had a domestic wire of XXXX wired in to my business account from a car dealership that I had done business with. I was able to access funds on first day. Next day the account was frozen and BOA claimed they needed to verify wire even though I already had access to funds. I went to the bank and provided documents proving it was a legit wire. BOA contacted XXXX XXXX and it was verified. It now has been 2 weeks and the account was still frozen for no reason. Called several times and kept getting sent to different departments. Placed a claim with OCC and BOA called me and said they would look into the matter. I never heard back from them. Calls and emails went unanswered. Today XX/XX/2022 I still have no funds and BOA closed my account for no reason. I still dont have my XXXX. BOA has stole my money and this matter needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing as closed but it is an open account.
Product: Vehicle loan or lease

The first car! Was a XXXX! You have it on my credit. That i paid the amounts dont match what they report on my credit! This is between Santander, and XXXX, this complaint is for both partys to validate both contracts! I was forced into that fit! and threaten if I didnt. And if you sold it who didnt go to!? Again I have all documentation stating this is fraud all the way to the crushing yard, this Is money laundering on top of it everything else, prove you or any 3rd party dont have full intent to benefit off the beneficiary, and purposely destroy that relationship with the intent of not taking a loss. I have suffered extreme about financial stress and hardship due to all of the trauma me and my family have endured, how are you going to explain to me [ XXXX XXXX XXXX ] that you seen no wrong done to the beneficiary when I [ XXXX XXXX XXXX ] regardless who, wasnt where? your name and company as well take responsibility of your 3rd party. As well as you have shown me no indication that you have taken it seriously prior to the 3 phone calls asking about it. I am requesting ( COMPENSATION*, +INTEREST ) THAT IS, MAY, HAS BEEN [ COLLECTED ] and or ( COLLECTING ) FROM THE BENEFICIARY, [ XXXX, XXXX, XXXX ] TO MAKE PERSONNEL GAIN OFF OF WITH THE INTENT TO DEFRAUD THE US AND ITS PROPERTY TO INTENT OF CRIMES AGAINST THE ( BENEFICIARY ) INTENT WITH FULL KNOWLEDGE TO NOT UPHOLD THE SWORN DUTYS OF THE FIDUCIARY DUTYS THAT YOU, and ANY PERSON ( S ) INCORPORATED UNDER, and DUE TO THE FULL INTENTION TO NOT UPHOLD THOS DUTYS I AM REQUESTING A FULL CANCELATION OF THE ANY AND ALL CONTACT ( s ) BETWEEN THE BENEFICIARY AND ( SANTANDER ), ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX ) DUE TO BREECHE ( S ) as THE 100 % RESPONSIBLE AND 100 % LIABILITY TO OPENLY AND WILLING AS THE FIDUCIARY TAKEN- [ ( FULL RESPONSIBILITY IN THE TOTAL ( AMOUNT MENTIONED IN THE [ CONTRACT ( S ) ] AS REQUESTED ) ] AND WILL NOT COMPLY WITH ANY OTHER OFFERS REASON ETC AN SO ON, REFINED CONTRACT ( S ) of ANY KIND AS OF THE BREECH ( S ) OF FIDUCIARY YOU AND ANY PEOPLE ( s ), COOPERATIONS ETC AND SO ON, IS AGAINST FEDERAL LAW, all RETAINING PARTY ( s ) HAVE BREECHED THE CONTRACT, PLEASE SEND ALL DOCUMENTS INCLUDING 3rd party ( XXXX XXXX XXXX the same applys to all XXXX partys involved etc, an so on. Thank you for your full comprehension and full knowledge as well as the attention by receiving this letter, complaint, etc you full comply with all account abilities with your full knowledge that, you, any corporation ( s ) etc involved. Take 100 % liability, as well as the 30days of validation. Please send to the beneficiary [ XXXX, XXXX, XXXX XXXX ] for accurate documentation to be carried and verified by officials and other personnel as originally, original documents retaining the XXXX and XXXX fit. This is fraud ( ulent ) thank you for your time have a good day Signed - [ BENEFICIARY ]