23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a written notice to XXXX XXXX who acts as ceo of Southwest Credit Systems that I the consumer am invoking my right of rescission pursuant 15 usc 1635 in good faith. Certain information in this contract was not disclosed to me. Please delete all of my information, rescind all signatures, and return all money in good faith.
Product: Debt collection

XX/XX/2016 I ran a credit report check. Unbeknownst to me there showed a collection agency of the amount totaling XXXX. Not knowing what this was for I contacted the number on the credit report on XX/XX/2016. It seems that an old apartment claimed that I owed them a balance for past rent that they sent to a collection agency. I advised that this information was not correct and I wanted to get a copy of the charges so that I could dispute it. I requested both a paper and email copy to be sent to my address and email address of the break down of charges because the agent could not provide me the information I requested on that call.. verifying all my information the agency said that they would get both sent to me. As of yet I still have not received any breakdown of charges or the dispute info that I requested.. But I checked my credit report today XX/XX/2016 and it shows that they reported me again on XX/XX/XXXX and XX/XX/XXXX again still without sending me any documentation or information about disputing. This collection information is incorrect and they are not sending me the information that I am requesting because they do not have anything on which they can charge me for.
Product: Debt collection

I disputed this a account Choice Recovery, Inc which is an unknown account to me and it is not my debt. I disputed the cle tion account t on XX/XX/XXXX with XXXX, XXXX, and XXXX. I disputed the collection account advising all the credit monitoring reporting agencies that this was n't my debit and it was unknown to me. On XX/XX/XXXX, XXXX had completed there investigation and updated and removed the account from.my file. However, XXXX and XXXX both concluded different results ... both agencies verid account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax via phone, online as well as mail asking them to verify 2 accounts on my report. I have asked for method of verification. I have also asked for a contract or anything that states this account is mines. They only respond with account is verified but has yet to send me anything. I have not received any information on these 2 accounts any information when it initially went on my report.
Product: Credit reporting or other personal consumer reports

This collection does not belong to me and is reporting inaccurate. The original creditor does not respond to any phone calls, mail, or email. I have also spoken with the collection agency and sent proof that this is reported inaccurately. Once they received the proof they began to ignore me, hang up on me, or lie. 

XXXX, XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 604 A states I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - Date : XX/XX/2023. XXXX XXXX - Date : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXo my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally 's customer service is terrible. In XX/XX/XXXX, I was charged with late fees because they started randomly charging me sales tax. After much miscommunication back and forth, I finally found out that I was charged because I moved to Massachusetts although I was fully charged for NJ sales tax when I purchased the vehicle. I never received communication from Ally to explain this change. My account has always been on automatic payments, so the total amount was being deducted but because the taxes weren't being deducted, it was reported to the credit bureau. I spent hours on the phone and was told this would be rectified and it never was. 

This year, I chose to defer payments for 90 days on the site due to Covid. I set this up in the month of XXXX. In XXXX, Ally reported my account past due 30 days. How is that possible?? 

Here are the payments I made : XX/XX/XXXX One-Time Payment Completed {$1200.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} Then on XX/XX/XXXX the payment showed completed. On XXXX XXXX the payment showed returned and my credit report was hit again! Why did it take so long to hit my bank?? Why didn't Ally make a simple call or send a text message. Why is the communication of this huge institution so awful. This is completely unacceptable!!! My credit report is terrible all because of Ally!!!! I am totally disgusted. The reps are not helpful at all.
Product: Student loan

This is a continuation from my last complaint submitted XX/XX/XXXX ( ID XXXX ). 
Originally Nelnet responded by refusing to rescind my IDR application that was wrongly sent and processed during the COVID forbearance. Later, after another feedback, they realized their mistake and sent me a physical letter stating my IDR application was cancelled, and my monthly payment will be {$270.00} starting XX/XX/XXXX through XX/XX/XXXX, until my next IDR recertification date. 
However, my Nelnet account continued to show a payment amount of {$2000.00}. 
I emailed Nelnet on XX/XX/XXXX requesting for an update, which they never responded. 

I called Nelnet on XX/XX/XXXX, was told my account will be updated in 3-5 business days. I called again on XX/XX/XXXX, was told it will take another 2 weeks. 
On XX/XX/XXXX, I received my billing statement from Nelnet, which still showed the wrong amount of {$2000.00} to be due on XX/XX/XXXX. 

The level of gross incompetence and complete lack of communication is unacceptable. To them, this may just be a number. However, to millions of student loan borrowers, this directly affects their livelihood, and the amount of psychological stress and frustration with the entire ordeal can not be quantified.
Product: Credit reporting or other personal consumer reports

I am disputing an inquiry from wells Fargo that I previously disputed that I do not recognize.
Product: Debt collection

I 'm receiving multiple calls from an Debt collector claiming to be from Cooper, Hoffman, and Kline - XXXX XXXX. They have called me several times at my job with numerous threats to prosecute me due to fraud. When I called them back to verify their company name, address, etc. they were extremely rude and short. They are calling my cell phone, employer, and family members. Although I 've included this extension, they are calling me from multiple extension and different phone numbers
Product: Checking or savings account

On XX/XX/XXXX, I tried to book a hotel for my family vacation. The amount was for {$1000.00}. The transaction did not go through and I received a text message from Chase at XXXX XXXX stating there was fraud detected. The text asked me to answer yes or no. If my answer was yes, I would not be charged and had to try again. If it was no, my card would be closed and Chase would send me a new card. I answered yes and I received a text message saying thank you for confirming my transaction to retry the transaction. I did not retry to book again that day. 

The next day ( XX/XX/XXXX ) I noticed I had not been charged for the hotel. I decided to book a different hotel. Before I booked another hotel, I decided to call Chase 's customer service to get clarification on whether the transaction had gone through. If so, would I needed to contact the hotel or Chase to cancel the transaction. The Chase agent informed me the transaction had been declined so i had not been charged for the transaction. I would only be charged if if I tried to book the hotel again. 

After hanging up, I did not book the same hotel and booked a different hotel. On XX/XX/XXXX, a week later, I saw I had been charged the {$1000.00} for the first hotel on or around XX/XX/XXXX. I called Chase to ask why I had been charged the {$1000.00} since I never rebooked the first hotel and I had also called to confirm with an agent on XXXX XXXX, XXXX that I would not be charged unless I tried to rebook the hotel. They stated they would conduct an investigation into the matter and would refund me the amount for the moment. 

On XX/XX/XXXX, I received two letters from Chase stating they had completed their investigation into the transaction I reported to them on XX/XX/XXXX. Chase stated they found that the transactions were processed based on information I provided or authorized. As a result, they would remove {$280.00} and {$740.00}, totaling {$1000.00}, from my account on or after XX/XX/XXXX, which they did. 

After I received these letters I have called them twice about this issue to get clarification on why I was told misleading information about whether the transaction had been approved or not. I have been told by Chase agents there is nothing they can do since I voluntarily submitted my information even though I never stayed at this hotel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Product: Credit card or prepaid card

I saw my account with XXXX XXXX reporting something which perked my interst since it seemed incorrect. I went ahead and mailed them on several occasions requesting documents to show what they are reporting are accurate like the date this account was opened, the last payment on this account etc. They failed to respond even once.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Equifax asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as charge off and collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit card or prepaid card

My credit union inadvertently overpaid my Capital One account by {$1600.00} on XX/XX/23. I contacted Capital One on XX/XX/XXXX  to request a refund and was told it would be a 5 day waiting period then 10-15 business days before I would receive the refund. The overpayment was due to a balance transfer mixup at my credit union. I called Capital One on XX/XX/23   because my account still shows a credit balance of {$1600.00}. I was told the refund hadnt been processed yet. I need to put that money back into my credit union credit card account and cant use the Capital One card because any charges will be deducted from the credit refund first! Capital One is slow rolling my refund request and theres no one else to speak to.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX XXXX XXXX a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), and a personal installment account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of XXXX XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXXXXXX XXXX  XXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
JPMCB CARD you have continually furnished a misleading, incorrect information to the credit reporting agencies, this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation JPMCB CARD you are reporting a PAID account with account number XXXX and {$0.00} ( XXXX ) balance as Collection/Charge-off. 

From the definition of a Charge off account ( XXXX XXXX XXXX Dictionary 10th Edition  ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same Dictionary ( XXXX XXXX XXXX  Dictionary 10th Edition  ) a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes. You have profited from this by means of tax credit and you still report as charge-off. 

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me depressed. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit. 
Remove reporting of the charge-off account from all consumer reporting agencies. 
Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies XXXX XXXX, XXXX, XXXX XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt or credit management

Whoever is trying to collect balance for Commenity Capital Bank for Ulta called someone from my family who I have been no contact with since the death of my grandmother. As someone with XXXX XXXX XXXX ( Ill even provide documentation ) this has put me in an extremely uncomfortable spot to give permission to this family member to talk to me for this reason. 

She is NOT even a XXXX friend. She doesnt share my last name. I dont know how they even knew she was a relative. This feels like an invasion of privacy and I am NOT happy about this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is from a dispute that the CFPB just closed out. It seems that they are allowing Experian to violate the FCRA by allowing them to skip investigating items & allowing automated responses. A prequalify offer is supposed to be a soft inquiry instead of a hard inquiry. Stop with the automated responses & not taking action XXXX did a hard pull without my authorization so therefore it needs to be removed
Product: Credit card or prepaid card

I worked with Citi to access my credit card account and they closed my credit card account against my will. I am worried that this will impact my credit score. I will promptly work with Citi to try and re-open the account, but I have the same concern. I am worried that my account closure will affect my credit score when there is a lack of sure-ness about if their processes " identifying the fraud event '' is so sure or not. regardless, I requested that they don't close the account, yet they closed it anyway.
Product: Checking or savings account

I deposited 14 checks into the atm for a total of {$73000.00}. The atm malfunctioned and took the checks without applying the checks to the account. This occurred on XX/XX/2021. Today is XX/XX/XXXX and my account still hasnt been credited the checks. 

I called and filed a claim with Wells Fargo right after it happened on XXXX XXXX. I have called the claims department several times since then and I get a different answer from every person I speak with. 

As of now, the bank hasnt deposited the checks and told me it can take up to 90 days. Nobody knows where the checks are and I havent received a confirmation of the location of my checks!! 

They stole my checks and are doing nothing and have done nothing the last two weeks to make it right.