23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 I deposit a third party check for {$68000.00} that my tenant receive from California XXXX XXXX to pay arrears on rent for 17 months. I deposit the check on my Chase Bank checking account and 2 days after the bank freeze my account. I go to my nearest branch and they helped me calling fraud department, the ask for a third party verification for the check by a phone number under the name of the person who the check was issued. The person has a family plan so the number didn't match her name, so she needs to buy a new phone a new line under her name. I called but the number still doesn't appear under her name so the bank close my account and the funds were put on suspense until the bank could verify the third party. I called every week with no luck until XX/XX/XXXX, that day on the phone number finally appear the name of the person that the bank needs to verify. The fraud department called the person and she verify everything on the check. The bank worker told me that now everything is fine and that I need to wait XXXX business days for the bank to send me the check. I called back on XX/XX/XXXX to check the status of my request and the bank worker told me that we need to wait about XXXX days that please call again on XX/XX/XXXX to check the status. I called back on XX/XX/XXXX, they told that I need t wait a little bit more because was XXXX to XXXX business days and that was the third business day that please call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the bank worker told me that she didn't see any new info or notes on the request that call back on XX/XX/XXXX. Few minutes later I call again because the response of the bank didn't convince me and the new bank worker told me that she didn't know why all those bank workers told that info on the previous days because the request was declined because the bank worker who open the request sent the information to the wrong department that they need open a new request or maybe need a new verification and start the process again, she transfer the call to a supervisor, I talked with the supervisor, he apologizes for the inconvenience because he knows that the mistake was from the bank side, and says that I need to wait XXXX business days because he open a new request. I made more than XXXX calls from XX/XX/XXXX to XX/XX/XXXX, verification was complete on XX/XX/XXXX and today is XX/XX/XXXX and I don't have the funds neither a date to get the funds and I need to wait several more days to get a new status. Every bank worker told different things every time that I call. I need please your help to get a solution on this and finish this nightmare. I'm behind on my mortgage payments due to the tenant no payments for 17 months. I already do everything that the bank told me to do. i record the last calls if maybe you need me to provide those videos. 

Thank you
Product: Vehicle loan or lease

I went in to purchase a car that was on XXXX XXXX website for XXXX after paperwork was all done they charged XXXX for the car on XX/XX/24 before signing any paperwork I asked the dealer was the XXXX is what I was paying for the car the dealer assured me that I wasn't and said look at the sales contract which stated it was aroundXXXX. I received my paper from credit acceptance and it showed that I had a balance of XXXX. I contacted credit acceptance they advised me the dealer is the one that did contract and to contact them. I went back to the dealer and told them the ordeal and one of the dealers stated " I did not make u buy this car nor I did not show u this car ''. Basically saying they don't care they have thier money. So now I'm stuck in a 60 mos lease paying XXXX for a XXXX dollar car. This is obsurb.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal informations that does not belong to me.I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureaus block any items listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my 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
Product: Credit card

I paid a company named XXXX {$5000.00} on my PNC card for services i did not receive.i was repeatedly promised that they would provide me with a website which would be profitable.i trusted them only to be left empty handed.my payments and signatures were obtained under false pretenses.they were using deceptive marketing practices which are unlawful and warrant a full refund. I previously filed this complaint and with the CFPB and was just informed that they could n't find the company. There must have been a mistake because you were able to find PNC last time I filed a complaint with you. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

I was contacted today XX/XX/XXXX by a representative from IQ Data identifying as a dept collector. Collecting for a supposedly past due bill at XXXX XXXX XXXX in XXXX, WA which I lived at and moved out of in XXXX! I find this to be very suspicious because I have never received any bill stating I owed anything to XXXX XXXX or been contacted by anyone until today XX/XX/XXXX by IQ Data. They threatened me multiple times about my credit if I hung up, even after I told them several times I was busy watching my son play lacrosse in a tournament. While they wouldnt provide any documentation of the dept until I was about to hang up. See attached document. 

I have contacted management at XXXX XXXX to validate if this is real on XX/XX/XXXX via email and voicemail but have not heard back as of yet. 

Please let me know if you need any additional details. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed inaccurate information on my profile. I have sent several letters to the Bureaus and have not gotten this resolved. I also sent them an identity theft letter that shows my information was compromised but the inquiries are still on my profile. The unauthorized inquiries are : XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX  XXXX XXXX Inquiry  : XXXX XXXX, XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Miscellaneous XXXX. Agencies XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a request to Equifax to remove fraudulent inquiries. They completed their investigation and did not remove all of the inquiries. 

Please explain to me how you conducted your investigation by including the following : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If yes to above : a. Who did you speak to?

b. On what date?

c. How long was the conversation?

d. What was their position?

e. What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g. What is the position of the employee of your company that spoke directly to the above party?

h. How long has that employee been employed by your company?

i. What formal training was provided to this employee to investigate items of this kind?

j. Was there any e-mail or written communication between members of your company and the above party?

Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in investigative consumer report described in 15 usc 1681a and e and several other laws, including but not limited to the Fair Credit Reporting Act. I must immediately demand the permanent removal of this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit inquiries that I dont recognised nor authorised. 

1. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX DC on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # 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.
Product: Credit reporting

I disputed XXXX XXXX XXXX collections on my file. I attempted to contact XXXX XXXX at their phone number XXXX and XXXX for more than two weeks. I attempted contact at XXXX through XXXX there is no answer or message. I have spoken to experts in settling collections who say that they have not been able to contac them for weeks. They may have gone out of business. My score can not be held down by an account that I am unable to pay. This is a violation of my federal rights.
Product: Credit card or prepaid card

I have been with Capital One for over 7 years. Never have they treated me so poorly or cared so less about my problems. I was scammed before I could verify an account to pay my credit card, so my account was put on hold. I was informed I have to provide the information to that account that was to be used to pay my CC but being scammed there is no paperwork.. no information to give Capital One. Capital One informed me that I will have to keep paying on my credit card untill I provide the non-existent information, which I CAN NOT because I was scammed. Capital One does not help people who are scammed therefore my credit will never be fixed and this credit card will be on hold my whole life is what I was told today by supervisor XXXX. There is no help just limbo. I have called multiple times, talked to multiple people including other supervisors and they literally say the same thing. " We can not help you unless you provide the information that is needed. '' I WAS SCAMMED! I always pay my bill, infact I love my Capital One card but this information that is " needed '' doesn't exist. I have XXXX kids that depend on me and one bad issue that a well renowned company won't help me with. I need this fixed so I can go on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed US post letters to the Credit Bureaus of Experian, XXXX, and XXXX XX/XX/2022 about responding to inaccuracies that is affecting my creditworthiness. I followed up 30 days later for update of letters, with no responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to ignore my multiple disputes and violation of FCRA and consumer laws. Equifax has added more inaccurate and incorrect information for which I am also asking to be removed.
Product: Vehicle loan or lease

I have a loan with QUALITY ACCEPTANCE LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and QUALITY ACCEPTANCE LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I ordered my credit report from XXXX XXXX and my Equifax report didnt come up. Ive been told this might be due to an error in my personal information you have on file. In this letter Ive included all of my current and correct personal information so this can be corrected. 
I have included the following information : Copy of my photo ID Proof of current address Please use these documents to verify my ID and make my credit report available. 
Also, please remove any name variations that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX I received back to back calls from ( XXXX ) XXXX & one call to my home. Voicemail was left by XXXX, stating that needed to verify address & employer so they could process their claim against me. Threatened to contact my references. Was told I could call ( XXXX ) XXXX, no other information was given. I could on XXXX/XXXX/XXXX & was told that they, Global Recovery Group, were trying collect on a Payday loan that I " applied '' for online & " received '' from XXXX XXXX XXXX in the amount of {$450.00} back on XXXX/XXXX/XXXX. I informed that that I never took out such a loan & never heard of this company. Insisted that because they have my email address that I did do it & just do n't remember the name because the online site was just how I applied. They also know my bank account number which has me nervous. Was given a website, openconsumer.info that allowed me to access my account with them using my claim # XXXX. It shows my SS # and address, but no date of birth or employer. it has a tab to view documents but no documents are there. I faxed bank statement with just deposits visible to prove no deposits were made in that amount at the time they say I took out such loan. I asked for verbal & written confirmation that the matter was resolved & was told that they could not do that. When I explained that all debts paid get proof, I was told I was being too technical. The website now shows inactive with a balance of {$620.00}. This has all the signs of a scam/fraud. The XXXX XXXX is warning consumers to be aware of scam debt collectors operating into south Louisiana. 

The XXXX has recently received several calls from concerned residents concerning at least XXXX variations of this type of scam over the last two weeks. 

The first scam involves scammers calling consumers and informing them they would be arrested by local law enforcement in the immediate future if they did not immediately remit payment for a payday loan they took out months or even years prior. 

In most cases, residents have never even taken out these loans, but the XXXX has received reports of people paying XXXX to avoid the possibility of arrest. 

These callers are also persistent and violate state and federal phone collection laws by calling at all hours of the day and night to home, cell and work numbers. 

Scammers do this in order to either annoy residents at home or embarrass innocent employees at their work place in order to pressure them into paying in order to stop the harassment and threat of possible job loss.
Product: Debt collection

I fell a payment behind on a texaco credit card in XXXX. Since XXXX-i 've made XXXX payments. This company has phoned me XXXX times with an restricted number. I have spoken to a caller three times telling them when i would pay. they dont listen. these callers use a robo-call device. some calls start before XXXX and go on until after XXXX. The second caller told me that i 'd better start showing him some respecrt when i objected to his calls. Foreignors of all nationalities call. i plan to pay off this card within weeks, and close this account. the Synchrony Bank is running this operation. THis is way over the amount of calls needed. THe entire debt is l ; ess than XXXX. These callers need to be taken to task for their tactics. you can bet i 'll never by this gasoline again.
Product: Credit reporting

Lexis Nexis reporting bankruptcy without verification, there is a lot of stuff on their report for me that does not belong to me, I 've never lived at a couple of those addresses. How can they verify without signatures, the courts do not verify.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated XXXX, XXXX. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Debt collection

I contacted Berkshire Banks Collections department to request that they contact me to work out a satisfactory solution regarding the charged off account from XX/XX/XXXX on XXXX separate occasions. 
o XX/XX/XXXX Told the collections team would call in the afternoon of XX/XX/XXXX. 
o XX/XX/XXXX Told the collections team would return the call in XXXX mins. 
o XX/XX/XXXX Told the collections team would call back later. 
Berkshire Banks Collections department refuses to accept a transfer of the phone call when asked to speak with that department. 
Berkshire Banks Collections department refuses to return my phone calls after stating that they will do so. 
The loan was charged off in XX/XX/XXXX. The balance was not reported to XXXX. 
After the loan was charged off, the vehicle was sold. 
The amount the vehicle was sold for was not reported to XXXX. 
The balance amount reported to XXXX in XXXX of XXXX was {$16000.00}. 
The balance was subsequently increased monthly until the current balance of {$18000.00}. 
The balance amount should never have increased once the loan was charged off in XXXX of XXXX. 
Berkshire Bank continues to report missed payments despite not having a payment plan in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX # XXXX had 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 cannote 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.