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

On XXXX XXXX, XXXX and in XXXX XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX filed a XXXX notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit. I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also XXXX XXXX various FCRA violations in the handling of this account. They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.
Product: Debt collection

In XX/XX/2018, I sent a letter to ProCollect Incorporated requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation that would verify this debt. They responded back via mail providing me with a billing statement. This does not VALIDATE the debt. It does not prove that I am obligated to pay this debt. They have and are continuing to report delinquency information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX WV XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Commerce Bank account to a fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Commerce Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Commerce Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Commerce Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Commerce Bank was in compliance with its own policies and procedures ; ( v ) whether Commerce Bank owed duties to myself, what the scope of those duties was, and whether Commerce Bank did not uphold those duties ; ( vi ) whether Commerce Banks conduct was unfair ; and ( vii ) whether Commerce Bank has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Student loan

There was illegal enrollment in 2000 at XXXX " XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX during the fall school years XXXX years encompass warrent student as being XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Florida living in XXXX XXXX  XXXX XXXX Oklahoma illegal with paid Bookkeepers they used my XXXX Core number to ordinate a XXXX Loan in Program ID Code for scholarship pal grants and students loans even classes and work history.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXXXXXX with the number XXXX isnt right on my credit report. Its showing a rating of CollectionOrChargeOff, but that cant be true! You say it was opened on XXXX with a date of last activity as XXXX, but this info is incorrect. I want it deleted now! 

You also claimed it was last verified on XXXX. Under 15 U.S.C. 1681i, I have the right to know how you checked this. Please share that info with me. Plus, show me proof of the {$490.00}, since I know I dont owe this. 

By the way, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) said wrong stuff needs to be removed. Please take care of this. 

This is clearly a fraudulent attempt to continue reporting but is illegal according to FCRA LAWS. This will only lead to me attaining proper counsel as this is a recurring issue. 

As of XX/XX/XXXX, my report went from : XXXX XXXX XXXX  XXXX Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$490.00} Closed Date : -- Credit Limit : -- Creditor Remarks : UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$45000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : XXXX Loan Type : Automobile TO : XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : - Company Sold : - Account Type : Auto Loan Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Account charged off. {$45000.00} written off. {$490.00} past due as of XX/XX/XXXX. 
99 % Status Updated : XX/XX/XXXX Balance : {$490.00} Balance Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Paid Off Monthly Payment : - Past Due Amount : {$490.00} Original Balance : {$45000.00} Terms : 72 Months Responsibility : Individual
Product: Debt collection

I received a letter from radius global solutions for a XXXX, XXXX  stating I owe a debt of XXXX regarding My XXXX XXXX visa. I never had a Visa from XXXX XXXX. I don't owe anything. This is not mine. 2 dated XX/XX/XXXX and letter state the same thing from first letter dated XX/XX/XXXX have not received any thing from another company just from Radius Glodal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I discovered credit item Prosper Marketplace account number XXXX had been re-inserted into my credit file. I disputed the tradeline with XXXX and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, XXXX is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report datedXX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX As evidenced by my report dated XX/XX/XXXX, the Prosper Marketplace tradeline is no longer listed. Now according to my report datedXX/XX/XXXX, the tradeline is listed with a Date Closed of XXXX/XXXX/XXXX and estimated removal date of XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.
Product: Credit card

This is a resubmission of XXXX XXXX The issues raised have NEVER been resolved by Chase Credit card service They do not respond or provide any resolution of the issues stated previously to the CFPB The CEO was contacted several times including XX/XX/XXXX ( letter attached ) *************************************************************************************************** XX/XX/XXXX via fax XXXX XXXX XXXX XXXX XXXX XXXX, CEO : PERSONAL AND CONFIDENTIAL Chase Credit card services XXXX XXXX, CEO : After almost 3 months/days have elapsed, I have not received a reply from anyone acting on behalf of your office to my XX/XX/XXXX letter/fax to your office, or XX/XX/XXXX follow-up request, ESPECIALLY, reply to any of the recurring lack of specifics on issues reported therein ( and commencing with approximately XXXX similar not-descript letters commencing in XXXX of XXXX o ( as documented throughout prior communications. ) I know you closed the XXXX credit card in the name of my spouse, blaming me, BUT, MANY issues raised WERE REGARDING communication for your division about MY CREDIT CARDS that initially were presented via the Chase messaging system personnel, And, in turn, the apparent lack of detail coming from them to your unit AND, subsequently the totally vague lack of details sent to me by your unit. ( as documented since XXXX of XXXX ). 

This appears to be a convenient means to avoid addressing the issues raised by me throughout communications, AND, a display of a lack of integrity and professionalism from a major bank ( and to a retired Chase bank officer ). 

Maybe, your office might deem it appropriate for someone to directly address the issues, Again, maybe not for me, BUT, for other Chase customers requesting assistance using the Chase messaging system/credit card units o the vague lack of detail letter issues could not be isolated only to me. 

A prompt response is requested. 

( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX cc : OCC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XX/XX/XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove XXXX  XXXX  ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, World Finance Corp all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.
Product: Debt collection

I was notified by my employer that a debt was going to be collected from my pay check. I spoke to the debt agency and stated that the account that was being collected was not under my name. It was false identification.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts 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
Product: Credit reporting or other personal consumer reports

Dear Equifax, XXXX and XXXX I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error in the information related to a collection account. Please see the details below : Account Number : XXXX Creditor : XXXX XXXX Balance Owed : {$510.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX I believe that this information is inaccurate for the following reasons : I have never had an account with this creditor. I am a victim of identity theft. 
To support my claim, I request the following documents you obtained to verify that this is valid. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to see me documentation of your procedures and an updated credit report reflecting such action took. Please send me written confirmation that the requested corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Other financial service

I placed a cashiers stop payment on a check from Bank of America the check was verified at the time as not being cashed yet, I was sent to a public notary with a stop payment Form. Bank of America Associate informed me that I would receive the funds in my account.And I never received anything Back.
Product: Debt collection

Didnt even know I still owed this company. Was making payments tehn stopped receding a statement. I have great credit and pay my bills. This is insulting to me. Why didnt they contact me and let me know I had that small amount left instead of trying to tarnish my credit.

However the past three months I had fraudulence on my checking account and then followed someone scamming my mail and having all my mail forwarded to a XX/XX/XXXX address and I live in XX/XX/XXXX. Been working with a privacy investigator. The post office said some physically came into a post office and change my address. So its been a nightmare. I recently started receiving mail but most business transactions I do now are through email. Had to get s new debit card. Changed my credit cards. So if they did mail something to me in the past 3 months I would not have received it. If they send me a bill now I would be sure to take care of it but I dont feel its fair to be on my credit report when its nit my fault. Cant pay something I dont know about.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach. As a result, several fraudulent accounts and inquiries have been placed on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit report. 
Fraudulent Accounts 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 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 XXXXXX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$2.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 card or prepaid card

XX/XX/2020 A Force Post Debit Amex Epaynent of {$1100.00} overdrew my XXXX XXXX  checking account by XXXX they refuse to fix i am XXXX yr old with health problems can not get my meds, food, etc dire straights need help asap
Product: Debt collection

This debt is from a secure XXXX XXXX credit card I had with when I was XXXX  years old. It is the only credit card Ive ever had, and I have not owned one since. This debt is almost 10 years old. I have never paid them on it and I have never offered to pay on it. If you look at the date the debt was renewed, it was conveniently reopened when it was about to drop off almost 4 years ago. Why would I suddenly offer to pay them a {$300.00} debt that Id had for years and would have fallen off? They have kept this on my credit and reopened it past the time it should be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Checking or savings account

Bank of America has deliberately failed to initiate claim and or send claim documents on Claim # XXXX. I was told the claim was automatically denied because the bank wants to be spiteful by not processing my claims by assuming I did make these transactions. There is no proof of these assumptions. Its just an excuse by Bank of America claims department, not to process claim and not inform me of the claim in hopes by them that I will forget.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$3100.00} with American first finance on XX/XX/XXXX. My first payment of {$88.00} was due XXXX, however when I attempted to sign into their automated account, noticed my SSN was not correct. I reported this to the company on XX/XX/XXXX. They stated a copy of the SS card with the last 4 of my SSN will need emailed. I submitted this to their email at their request. I called 10 days later. The request was not completed and I was told the whole SSN was needed on the card. I emailed it. Was told it would be done in 2 days. I called two days later. It is not updated, but would be in 7-10 more days. I am getting the run around with their company. I want to pay the whole loan off today, but would like my SSN updated first.