23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collection on my credit from XXXX for about {$230.00}, but there was already a payment made to them and settled the price for over {$500.00} that I've already paid. I havent had XXXX in years and already made my payment to them to zero out the balance of what was owed and I absolutely refuse to pay anything else do to the fact and this already being established and now a new charge appears out of no where after I've already paid everything I owe to them after not having service with them in 2 years or longer.
Product: Credit card

I filed a dispute with XXXX, XXXX, and XXXX about an unknown debt listed on my credit report as a collection item. completed the form dispute process and asked the collection agency, XXXX XXXX XXXX, to provide me with documentation validating the debt belongs to me. 

On XXXX XXXX, 2016, I receive a letter from XXXX XXXX XXXX XXXX XXXX, where they failed to provide validation of the alleged debt to XXXX ( Merchant ) or the alleged original creditor, XXXX. The collection agency, cited the " seller 's records '' but failed to provide me with documentation that this debt belongs to me. 

I am requesting that the invalidated debt be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion consistently displays the message " We are unable to complete your request at this time. '' on their website when trying to view my free consumer file, dispute a claim, or freeze my account. 

I believe this is by design to make my access to my information difficult and create a barrier to me controlling my data.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Debt collection

Today, XX/XX/XXXX, I reached out to IQ data collections. I first spoke with a representative whose name was XXXX. I asked him what options I had to settle the debt and if the amount that XXXX gave me of {$1300.00} on XX/XX/XXXX was still on the table. He was extremely disrespectful and told me that I need to just pay my full balance, something I should have done a year ago. Also, he threatened that he would make sure I didnt get another settlement and made it clear that he didnt care. I was extremely hurt, frustrated and embarrassed and asked to speak with his supervisor. He transferred me to another senior representative named XXXX who was even more disrespectful and was not a supervisor. When I asked him if he could listen to the call to address how rude the representative was he literally disregarded what I said and asked for my payment information. After insisting that I paid now, I asked again to speak to a supervisor in disbelief. Lastly, I was transferred to XXXX XXXX who says that he is a supervisor. He answered the phone immediately speaking over me stating that he understands why his representatives spoke to me disrespectfully and how its not their fault that Im in debt. He then disconnected the call.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received a letter from Chase stating, " thank you for your request for credit. '' Months ago I received a credit card in the mail for a card I did not apply for. I reported this as fraud and had everything closed as a result. I froze my credit on XXXX XXXX and several other sites so my information could no longer be used. This issue seemed to be resolved until recently when I received the request to allow chase to access my credit report. I did not apply for this or request any credit review from chase. I do not have any accounts with Chase and do not wish to open any accounts or credit cards with them.
Product: Debt collection

This was account was taken off my credit report due to identity theft and company deleted than put back on my record.
Product: Credit card or prepaid card

To whom it may concern, I am bringing this attention to your office regarding an open account # XXXX from XXXX XXXX that I strongly believe was a fraudulent account under my name. The letter content my name and informing me that I open an account and has been upgraded to premier account. 

I tried to contact the customer service but it prompt to enter my social security number so I decided not pursue it. I never sign for the company. I found out that there so many people that filed a complaint against this company. 
The company named is XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

Thank you for immediate attention regarding this matter. Should you have any questions, feel free to contact me at XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Dear CFPB, My name is XXXX XXXX XXXX. I am a resident of the state of Massachusetts, Social Security No. is XXXX. I have recently attempted to inquire with my online bank Capital One 360 over the past month and a half, regarding two of my accounts being placed on hold a personal checking account, and a personal savings account which have been active since 2016. 

The accounts online state the following message when I attempt to log in, and access my funds : " Your funds are currently unavailable for withdrawal ''. The message then requests me to call a customer service line that rarely answers my calls when I attempt to call. My call is often prompted to an automatic voicemail box, that never returns my calls to simply gather information for a timeframe as to when my funds will be available to withdraw again. 

I have only twice been able to contact the team who is supposedly involved in this matter, who does not give me any specific information or details, as to why my accounts are on hold to begin with. 

If CFPB could please aid me in this issue in regards to Capital One 360, and them not allowing me to access my funds, this would be greatly appreciated. 

-XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

In 2014, I did a title loan and paid the loan off the following week. I received the title and everything seemed fine up until recently when I tried to get a duplicate title. That was when I found out that there is a lean on the title. I tried contacting the lean holder and was unable to get in contact with them. The place I received the loan from is closed. The lean should have have been removed from my title as soon as my loan was paid off.
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$76.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 60 days with no response from the credit bureaus on the issues I have sent them which I know is in complete disregard of the FCRA. I really hope you can actually help me with this situation and get them to finally respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$180.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$210.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 XXXX : {$52.00}
Product: Checking or savings account

I live in XXXX and headed down to XXXX for the weekend. The only money I took with me for the road and to be over their was my debt card. Being over their i would be checking my account through the app because I would see how much money would be charged when I used the card at a store because obviously the money charge is different over their. When ever it was time to come back I went to the gas station to pump gas. When I was trying to use the machine outside it said declined. So I opened my account but it didn't say anything like if i did some transactions so I closed the app. What i mean by it didn't ask if i did those transactions because usually when the bank notices a unusual transaction it notifies me. So i went in to the store and it declined as well so i opened the app again and nothing. I went outside and checked my account to see what was going on. That time when I opened it it notified me of some unusual transactions. A company deposited in my account a total of {$5100.00} or so and then was removing all the money in parts. As in they kept depositing {$420.00} until they reached that amount then was removing the money in amounts of {$420.00}. Obviously I wasn't aware of it until that moment. But I couldn't say put that I didn't allow the transaction or else they would block my card and I wasn't going to have a way to go back home if that was the only card I had with me. So I said yes I was aware of the transactions and well the next day I called the bank because they didn't just removed their money but mine as well. And know the bank doesn't want to help me unless I have proof that I didn't do those transactions. But I have no way of proving that because I don't even knw what that company is about.
Product: Checking or savings account

On XX/XX/XXXX, I needed to get funds to pay off a large invoice. I logged into the Comenity Direct portal ( owned by Comenity Capital ) and tried to use the transfer function that Comenity Direct has on their website. The function only allows a limited amount to be transferred per month. Based on the funds that I needed it was going to take over half a year to transfer the funds. So I attempted to contact them but no one was available, so I submitted a message via the Comenity Direct bank portal ( copy attached ) that I needed to close my account and wanted my funds back. 

On XX/XX/XXXX, after no response - I called Comenity Direct and spoke with a representative. They took my details and said the account would be closed and the funds would be transferred to my XXXX XXXX XXXX checking account within 3-5 days. 

On XX/XX/XXXX, they responded to my XX/XX/XXXX email, saying that they would transfer the funds to my XXXX XXXX XXXX checking account within 3-5 days. 

On XX/XX/XXXX, I called Comentiy Direct and spoke with a representative. They acknowledged receiving my multiple complaints and apologized. They put me on hold for an extensive period of time, and said that the transfer was with the final department - but didn't know when the transfer would occur. 

It is now XX/XX/XXXX, I had to withdraw funds from another saving account to pay my bill.
Product: Checking or savings account

Around XX/XX/2023 I started getting email stating welcome to bank of America. The emails were saying here are the details to your new checking account. I thought it was a spam email and didn't really pay it any attention. well a few weeks later I got a new debit card from bank of America. I called bank America right away. I told them it wasn't fraud they said they will closed the account. Then I got a a letter in the mail asking me to send in my ID and more info regrading this account. I didn't trust it why would i have to give them more of of info if they fraudulently using my personal info. I didn't send it and they never closed it. when they finally closed it it was because of inactivity. at least that's what the email said.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not complying when it comes to my credit repot there are accounts that do not belong to me that are affecting my credit worthiness
Product: Credit card

PORTFOLIO RECOVERY IS COMMITTING unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by furnishing inaccurate and knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the Gramm Leach Bliley Financial Protection Act has been violated. I declare under penalty and perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by State & Federal Law to file. I also understand that knowing and willful statements or omission of material fact. They have also violated Georgia Revised Statue OCGA 16-9-121.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft. I filed a fraud dispute with Chex Systems and they failed to verify the debt and/or provide documents used to verify the debt as allowed per FCRA. 

I filed the dispute online for fraud accounts listed with them and multiple inquires. I filed on fraud accounts listed with XXXX XXXX, and XXXX XXXX. They were sent police report and FTC reports. I contacted them via phone to about the disputed information. I was told that the documents needs to have a handwritten signature. FCRA does not require a FTC or police report to be handwritten or signed. The supervisor refused to remove the fraud account of XXXX XXXX and I was notified it was verified as " accurate ''. I contacted XXXX XXXX to get the documents used to verify the fraud and nothing was provided. I asked Chex Systems to provide me with the documents used to verify the debt and nothing was given and told Im not entitled to anything. That is there policy. 
They are in violation of the FCRA and I am seeking litigation against them and will seek all damages allowed by law. They need to remove the FRAUD ACCOUNT AND INQUIRIES that were disputed and send me an updated copy of my report. I was told if it was signed it would be removed immediately. I have the conversation recorded for legal purposes. 

Chex Systems is not following FCRA guidelines for disputes or providing documents as requested to show the reason why an account was verified. 

XXXX XXXX has no documents to show ownership. They have no copies of and ID or SS card. No signature on file, fraud address was used to open the account. Account closed checks from other parties were used in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken English, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the English language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.
Product: Mortgage

My household is financially affect with COVID-19 Pandemic. So I made a call to Caliber Home Loans XX/XX/XXXX. Held for an extended period of time to speak with a SPOC. Finally got an agent & she was suppose to set me up on the Covid forbearance & stated I would receive paperwork in the mail in appx 1wk. After a week XXXX I rec 'd nothing, so I made another call out. After waiting appx 2hr I spoke with XXXX # XXXX. She advise she saw the request but paperwork had not generated. Frustrated at the long wait times I sent an email thru the wed XX/XX/XXXX. Then on XX/XX/XXXX XXXX # XXXX w/Bankruptcy dept call in reference to the web inquiry. I inquired if the plan was set-up & paperwork generated, He reviewed my account & saw the previous call notes and advised neither rep had set my account up on Covid FB after 3wks. He states he put in a require this time but I have no faith in this since 2 previous agent did not follow thru. This is my home & should be taken seriously.
Product: Vehicle loan or lease

I am writing in regards to my auto loan with TD Bank originated on XX/XX/XXXX. This loan has been paid off in full as of XX/XX/XXXX. My concern involves the final payoff payment of {$200.00}. For the 5 years of my auto loan I enrolled in auto payment and was never late on a single payment. I was unaware that the final payment would not be paid through auto payment as all the previous payments had always been prior and there was no communication from TD Bank to communicate this change. When I had not received the title of the car after a few months, I logged into my online account to check the status of the loan and realized that the final payment was still due. I paid this immediately on XX/XX/XXXX, however, at that time the account was already past due over 90 days. I remedied this as soon as it came to my attention. 

Recently, I ran a credit check as I am in the process of refinancing my home. It was then that I realized this final payment issue has negatively impacted my credit score. I had been diligent about paying my auto loan on time for 5 years ( as well as all my other bills ) and my account history was always in good standing. I had reached out to TD Bank to try and resolve this since the loan is now fully paid off and this was only late payment over the course of 5 years in hopes that this will not negatively impact my credit score and financial health for the next 7 years. I am very diligent about ensuring I am responsible financially and am frustrated that I did not receive any communication instructing me that the final pay off amount would need to be paid manually.