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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My finace was treated by XXXX XXXX XXXXXX/XX/XXXX before he passed away. The medical office has hired IC Systems and XXXX XXXX XXXX to pursue collection attempts and have added the debt as a collection account to my Credit File with XX/XX/XXXX and XX/XX/XXXX When I communicate with IC Systems and XXXX XXXX XXXX they have no details on the file to give me and have even had an incorrect address. The debt is not mine and I have filed a dispute with IC Systems and XX/XX/XXXX The result of the XX/XX/XXXX Dispute was that it was a " valid claim '' and it is not. I have been attempting to address this incorrect debt attached to my credit report since XX/XX/2020 with no success ( dispute filings XX/XX/2020 # XXXX, XX/XX/2020 # XXXX, XX/XX/2020 # XXXX XXXX. I am still disputing this debt. the accunt with IC Systems is XXXX.
Product: Checking or savings account

On XX/XX/XXXX I visited the XXXX CT Bank of America branch to close a joint checking account with myself and my father XXXX XXXX XXXX, who passed away on XX/XX/XXXX on it. Estate Services of BOA has all the required paperwork to allow me to close this account as it was needed for me to access the safe deposit box ( i.e. the death certificate ). A note was on the XXXX door to visit the XXXX location which I did, to find XXXX closed as well and note stating to visit XXXX XXXX which was also physically closed as was the XXXX location. I then called Estate Services and they agreed to close the account but said a check would be cut on XX/XX/XXXX and be mailed on that date and to allow 7 days for it to arrive at my home in XXXX. I have not received the check as of today XX/XX/XXXX. 

I called today ( XX/XX/XXXX ) and waited XXXX minutes before speaking with XXXX in Estate Services who went to research what was happening on the account before we got disconnected. He never called me back as I learned that BOA does not have the ability to have their customer service representatives to call out. What type of customer service it that? They expect their customers to call them back hence the incredible long wait times! I called back to learn this and waited longer than XXXX minutes the 2nd time and also tried on-line chat! I can prove this to you if needed. There has not been one time when my wait time is less than XXXX minutes - not one! This time the representative, XXXX was rude and insensitive. She refused to look to see if the check was cut and told me I misunderstood what I was told, that it was a solo account and that Estate Services would not have handled it and that I needed Customer Services and she transferred me somewhere where I got stuck in a phone loop for mobile banking! I got out where I left my phone number for a return call and about an hour later I got a return call and believe it or not the representative that called told me to close the account I needed Estate Services!!!! I knew this as Estate Services on XX/XX/XXXX told me they were going to cut the check and would have it done on XXXX. Where is my check!!!!! I told this representative not to send me back to Estate Services based on the fact that XXXX was rude and had sent me to a phone loop and I had already tried twice today, wasted too much time and that they do not call someone back when they are disconnected. The representative agreed they do not have the ability to call a customer back, they only can receive calls and agreed this is not the best customer service they can provide and expressed sympathy for my loss. I give up with BOA, they have my money and don't seem to want to give it to me. I need your help.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to make a full payment of {$230.00} on my Capital One credit card website. I made the payment using my XXXX checking account to draw the funds from as usual. Capital One website has a tool that will automatically prevent you from selecting an account with insufficient funds to make a credit card payment. Therefore, I've always made my Capital One credit card payments with my XXXX checking account for years. I've been doing this for a few years within fail and any glitches. However, this one particular time on XX/XX/XXXX, Capital One, twice sent back my payment to XXXX stating that the payment was attempting to draw insufficient funds from my Capital One checking account. This is not true, the tool I used to set up the payment prevents and prevented me from selecting the account with insufficient funds, so you can not select a insufficient account even if you wanted to. The tool will immediately inform you that you don't have the necessary funds in your account to make the required payment. This is the reason why I've always used my XXXX account to make Capital One credit card payments and never my Capital One checking account. Why they denied the payment twice, I don't know. I checked with my XXXX bank twice why the returned funds and they didn't know the reason why either. I had more than sufficient funds in the XXXX account to cover the {$230.00} payment on XX/XX/XXXX, so neither XXXX or I understood why Capital One returned the payment. The statement from Capital One stating that I arranged the payment on my Capital One checking account is false. Not only did they charge me a late fee for the payment being received after the due date of XX/XX/XXXX, they used the late fee/payment as a reason to charge me an interest fee. I don't think I should pay either. The late fee was refunded to my account, but the interest fee should be as well. I truly understand that mistakes happen, but this appears to be one of those attempts to collect unnecessary fees from one of their customers. Sort of like XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Experian failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Experian more than 30 days ago with proof. 
Hard inquiries should be removed based on the FCRA violations.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, it appears that some of my credit report accounts are unrecognizable. I have had my identity stolen. The letter lists all unfamiliar accounts. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. As I am unaware of these accounts, it is necessary to remove them. It is my respectful request that the following items be removed. Please accept my sincere thanks in advance.
Product: Credit card or prepaid card

My cell phone XXXX was fraudulently ported to XXXX XXXX XXXX Since then on a daily basis my passwords are changed on my Chase bank account. A person in XXXX Florida submitted a rush order to send a debit card to them and my account was charged {$50.00}. Chase took care of this. Today I am unable to sign in to my XXXX 's account after receiving an email from them today. This person requested my wife 's Chase credit card be mailed which Chase sent. I called Chase and the card was cancelled and they are sending her a new one. Every day I have to fight a new action. Today my wife is unable to sign in to her Chase account because her password has been changed. They add a character to our email to access our accounts. My XXXX is changed by adding a second y after XXXX. My XXXX is changed to XXXX by adding an l. They also attempted to get into my XXXX account. XXXX is my internet provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on [ date ] I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and my information was found on dark web and XXXX data breach. I demand this XXXX XXXX XXXX account be removed from my credit report its fraud the law prohibits fraudulent items from being placed on my credit report. I'm in the middle of purchasing i need to have this removed immediately. This is a violation of my consumer right to privacy and defamation of character lawsuit will be assessed if this account is not removed XXXX per violation. 

I have attached my FTC REPORT FOR YOUR REVIEW THIS ACCOUNT SHOULD NEVER SHOW UP AGAIN ON MY CREDIT REPORT. FAILURE TO REMOVE WILL COST {$1000.00} PER VIOLATION 15USC 1681 A, B, D
Product: Credit reporting or other personal consumer reports

On XXXX/XXXXXXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating I was declined credit. for foreclosure repossession collection action or judgement. I dont have foreclosure repossession collection action or judgement on my credit. But I never authorize for this company to run my credit. I have a security freeze on my credit. In XX/XX/2021 I was notify of fraudulent unemployment claim from my job, that someone applied for unemployment I filed a police report bcuz I was working and never applied police report number Is XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is my only address. 
My only name is XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have my employer on my report I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX ] XX/XX/XXXX Ally Financial XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MI XXXX Subject : Formal Dispute of Account Information - Account No. XXXX Dear Ally Financial, I am writing to formally dispute the inaccurate information being reported on my credit report regarding an auto loan under Account XXXX. XXXX, which was opened on XX/XX/XXXX. According to your records, this account has been charged off with a balance of {$29000.00} as of XX/XX/XXXX. However, this account was initially held with XXXX, and I made several payments under the original contract. XXXX subsequently sold the account to Ally Financial, and you are now inaccurately claiming that I made no payments. 
Violations Cited : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2 ( b ) : You have failed to maintain accurate records by reporting false payment information. I made payments under my contract with XXXX, and your reporting of no payments is in violation of this statute, which requires data furnishers to report only accurate information. Please investigate and correct the inaccurate reporting immediately. 
Truth in Lending Act ( TILA ) - 15 U.S.C. 1639 ( a ) ( 1 ) : As a creditor, you have a legal obligation to disclose any changes in the ownership of the loan. There was no clear notice of the sale or transfer of my loan from XXXX to Ally Financial, nor were the terms of the loan or the status of payments properly communicated to me. This lack of transparency is a violation of TILA, specifically related to failure to disclose the loan transfer and its impact on the payment history.

Deceptive Practices - Federal Trade Commission Act ( FTC Act ) - Section 5 : Your actions in claiming that I owe money when payments have been made, and failing to account for those payments, constitute deceptive practices under the FTC Act. This unfair and deceptive conduct has caused significant harm by falsely inflating my debt and damaging my credit standing. 
XXXX XXXX : I request that you conduct a full investigation into this matter and provide me with proof of the debt as well as an explanation for the inaccurate reporting of no payments. 
I request that you correct the payment history on my credit report to reflect the payments made under the original contract with XXXX. 
Should Ally Financial continue to report inaccurate information or fail to correct this error, I will seek all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FCRA, TILA, and FTC Act. 
Supporting Documents : Attached are copies of proof of payment made to XXXX and any relevant documentation showing that payments were applied to the original account. 
Please address this matter promptly, as these reporting errors are causing ongoing damage to my credit report. I expect a response within 30 days of receipt of this letter, in compliance with the FCRAs requirement for investigation and correction of disputed information. 
Sincerely, XXXX XXXX
Product: Mortgage

This is the second time I 've submitted a complaint about ditech ( re complaint numberXXXXXXXX ). I could n't find a way to say that ditech 's response was n't clear. Maybe I was too late. 
On XXXX XXXX, XXXX I received XXXX pages ( cover 'em up XXXX ) attempting to justify ditech 's saying I owed a bogus debt which I did n't owe. 
I 'm sending scans of communications I 've had with XXXX, Green Tree and ditech. Here is a list of what is included : 1_Letter from XXXX dated XXXX, XXXX page 2_Letter from XXXX dated XXXX, XXXX page 3_Letter from XXXX dated XXXX 4_Letter from XXXX dated XXXX 5_Letter from XXXX dated XXXX, XXXX page 6_Letter from XXXX dated XXXX, XXXX page 7_My Escrow Waiver Included in the Original Contract 8_XXXX page of Green Tree 's Spread Sheet 9_Statement from GT dated " due XXXX '' 10_Statement with pay reversal 11_Statement " due XXXX '' 12_Statement from ditech for XXXX XXXX Compare the date of XXXX/XXXX/XXXX on my letter from XXXX ( number XXXX above ) with Green Tree 's spread sheet ( number XXXX above ). Note the letter from XXXX dated XXXX/XXXX/XXXX ( number XXXX above ). I 've included my waiver for escrow ( number XXXX above ) -- I 've never had an escrow account. 
I was never late with my standard payment on the mortgage or for taxes and homeowner 's insurance. 
I never got an XXXX statement from ditech. I had to call ditech for the address which address to which I should send the payment -- It was the same address as Green Tree 's. 
In spite of XXXX letters, XXXX from me and XXXX from my then attorney, ditech still addressed their communications to my attorney 's office and I got them past the due date, the first of the month. 
Statement from ditech ( number XXXX above ) ... has pay reversal but still has the bogus debt named " XXXX XXXX XXXX. '' I received XXXX more statements for the first of XXXX, XXXX, and the first of XXXX, XXXX, which I did n't pay because my new mortgage was in process. I do have a new mortgage with my credit union. 
It cost me nearly {$5000.00} to get a new mortgage, including attorney 's fees, which I could n't afford.
Product: Debt collection

I must express my disappointment regarding your decision to dismiss my identity theft claim, attributing it to an error or a misrepresentation of material fact. This raises significant concerns about your authority to determine what qualifies as a material fact. It's important to emphasize that your role does not confer upon you the powers of a judge or jury, nor does it grant you an inherent right to make such determinations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation.
Product: Debt collection

My collection repair firm sent a dispute letter to the collections company regarding verifying the debt my client owes. The date of this original dispute was XX/XX/2018. 

The collection company responded back with partial information originally requested by email on XX/XX/2018. The contract they sent was missing pages 6 pages from 8. The amounts there trying to charge my client is not in the contract and over charging on cleaning fee 's, a months rent when he already moved out after his 30-day notice.

When speaking with their collection manager on XX/XX/2018, she clearly admitted that they did not have all the information that was originally requested and claimed my client did not give notice. I asked for that information in our phone conversation and she did not have that ether. This company is attempting to collect on a debt with no information that is valid nor have sent all requested information to my client or my office and continue reporting his debt they say he owes unlawfully. When collecting on a debt the collection company must prove that a consumer owes the debt, this has not be done as originally requested. There fore I clearly see my client is being violated on his Fair Credit reporting rights and ask that collections stop due to this clear violation from Innovative Collections. 

Please see attached audio file, original complaint filed by email.
Product: Checking or savings account

Bank of America keeps charging my account for maintenance fees the moment my account balance drops then they charge me for an overdraft fee because I didnt have enough in the account for maintenance fees. This has been going on since I opened the account in XXXX.
Product: Debt collection

A woman named XXXX XXXX XXXX and a XXXX XXXX called my place of employment XXXX and my cell phone XXXX calling repeatedly on XX/XX/18 and prior to that they would call a couple times a day from XXXX x XXXX and calling from spammed numbers or unknown numbers, leaving messages stating that they were sending the police to serve me from XXXX XXXX, or sending units to my home or place of employment threatening to serve me with judgement papers. I asked them to stop calling but they have repeatedly called back to back even after I asked them to stop. I do not know the name of the company. they have also called my relatives as well stating they were sending the police after me etc. I have never received any written correspondence from whoever this company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking into the national multistate licensing system, I noticed Portfolio Recovery Associates is not licensed to collect in the XXXX XXXX XXXX  and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( XXXX XXXX  ) Acct number : XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) After deletion I need an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While the account was never established the fraudulent inquiry was on his credit report. We received confirmation from XXXX they were removing the inquiry and acknowledged the inquiry was fraud related however an official dispute to remove the inquiry was sent to TransUnion credit bureaus and TransUnion confirmed the inquiry was accurate and factual. This reported inquiry is a violation of XXXX XXXX consumer rights.