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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I picked up a XXXX in XXXX Ga XXXX. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX 's for {XXXX} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe XXXX on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX 's XXXX and the trucking company they guided me to.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent.

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : 1. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Product: Bank account or service

So I recently became ill in XXXX of 2015 and I was not able to keep track of my finances and when I came back I was hit with a {$450.00} fee and a closure of the checking account.these were racking up and to my dismay I was not even able to waive these fees due to my health circumstances.
Product: Mortgage

Please see attached 
FORMAL CFPB COMPLAINT AGAINST WELLS FARGO BANK, N.A.
Product: Credit reporting or other personal consumer reports

I settled and paid on a payment with XXXX XXXX in XXXX for my card in XXXX now it shows on my Credit report as a debt.
Product: Debt collection

Ameris has stated that I am not writing the proper business for removing this from the tax payers Credit report, although they are the only name listed, so I demand it be removed. For AMERIS to say I need to call someone else is wrong, in fact there are title 18 code violations. Depravation of rights under color of law, RICO, I am not alone with this, involuntary indenture. Why do they want the " debt '' parked there? this account is a duplicate that must be erased, I actually might be experians fault, or Ameriss fault. I contains late payment date info, which is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation that I have been a victim of identity theft. There are items on my credit report showing that I did not authorize, I have asked that these items be removed and they are still reporting.
Product: Credit card

I have submitted numerous stop orders to Chase regarding a charge of {$44.00} per month from XXXX XXXX XXXX XXXX. It is still being taken out after I submitted a charge back. I also contacted the company and they told me it was cancelled and I am still being charged. Please help.
Product: Credit card or prepaid card

I WENT TO AN ATM MACHINE ON XX/XX/2019 AND TRIED TO GET {$220.00} AND THE MACHINE DID NOT DISPENSE THE MONEY. I ASKED THE CASHIER IF THEY STILL HAD NOT PUT ANY MONEY IN THE MACHINE SINCE I HAD GONE A DAY PRIOR AND I WAS TOLD IT DIDN'T HAVE ANY MONEY, SHE RESPONDED YES A TECHNICIAN CAME AND PUT MONEY IN IT. I ASSUMED THAT MAYBE I DID SOMETHING WRONG AND I TRIED AGAIN FOR THE {$220.00} AND IT STILL DIDN'T GIVE ME THE MONEY. I MENTIONED TO THE CASHIER THAT IT DIDN'T GIVE ME ANY MONEY SHE TOLD ME THAT SHE BELIEVED THAT THE TECHNICIAN PROBABLY DID SOMETHING WRONG BECAUSE THERE WAS OTHER CUSTOMERS COMPLAINING THEY COULD'NT WITHDRAW MONEY AS WELL. LATER THAT DAY I TRIED TO SEE HOW MUCH MONEY I HAD LEFT IN MY AMERICAN EXPRESS CARD AND I WAS MISSING MONEY, SO WHEN I LOOKED INTO MY TRANSACTION I WAS SEEING THAT IT WAS SHOWING THAT I DEDUCTED TWICE THE {$220.00} WHEN I NEVER GOT MY MONEY DISPENSED FROM THE ATM MACHINE. I CALLED THE ATM COMPANY AND TOLD THEM ABOUT THE PROBLEM THAT THE MONEY WAS NEVER DISPENSED HE ASKED ME FOR THE AMOUNT AND THE LAST FOUR OF MY CREDIT CARD NUMBER, WHEN I PROVIDED HIM WITH THIS INFORMATION HE TOLD ME THAT IN FACT THEY HAD A PROBLEM BUT THAT THE MONEY WAS ALREADY IN REVERSAL THAT I SHOULD RECEIVE MY MONEY IN 24 TO 48 HOURS AND IT NEVER HAPPENED. IN THE MEANTIME I ALSO CALLED THE AMERICAN EXPRESS CARD AND PUT A DISPUTE FOR THE MONEY SO I FAXED THEM THE DISPUTE FORM EXPLAINING ALL THE PROBLEM AND THEY TOLD ME THEY WERE GOING TO INVESTIGATE. I RECEIVED A RESPONSE FROM AMERICAN EXPRESS SUPPOSEDLY THAT THEY MADE THE INVESTIGATION AND THAT SUPPOSEDLY THE ATM PROVIDER CONFIRMED THE FUNDS WERE DISPENSED. I GOT VERY UPSET SO I CALLED THE ATM COMPANY AGAIN AND TOLD THEM WHAT AMERICAN EXPRESS HAD TOLD ME AND THEY SAID THAT NO THAT THE MONEY WAS IN REVERSAL, SO I ASKED THEM TO SEND ME PROOF OF THAT SO I COULD SHOW AMERICAN EXPRESS SO I CAN GET MY MONEY SO WHEN I CALLED AMERICAN EXPRESS THEY WANTED ME TO DO ANOTHER DISPUTE WHICH IS REALLY UPSETTING BECAUSE THEY ARE TAKING ALONG TIME AND I REALLY NEED MY MONEY. I WOULD REALLY APPRECIATE IF YOU CAN ALL HELP ME.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries was made without my permission I did not authorize these inquiries and need them removed immediately from my credit profile. 

Experian XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I received a call and letter on XX/XX/year> from the Law Office of Brett M. Borland , P.C . 
About a collection I am currently disputing ( XXXX XXXX XXXX ) Account # XXXX I replayed asking for a debt validation request dated XXXX XXXX, XXXX. After reviewing the documentation they provided, I have identified inaccuracies and insufficiencies in their response. 
Specifically, the resident charge/payment ledger they provided contains discrepancies that do not accurately reflect the alleged debt 's history. I was requesting that the firm address the following : 1. Inaccuracies in the Ledger : Please provide a detailed and accurate explanation of the discrepancies identified in the ledger. Include all supporting documentation that verifies the accuracy of the charges and payments, such as invoices, receipts, and transaction histories.

2. Full Disclosure of Purchase Agreements : As part of your obligation to validate this debt, I formally request full disclosure of all purchase agreements or assignments related to this alleged debt. This includes but is not limited to : A copy of the original agreement with the creditor. 
The chain of title and all transfer/assignment documents showing ownership of the debt. Any terms and conditions outlining the agreement 's enforceability. 
Please note that under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide this information to validate the debt. Without such documentation, your claim to collect this debt is not substantiated. 
The law office did not reply.
Product: Credit reporting or other personal consumer reports

I have fraudulent accountS on my credit report, which I reported to XXXX XXXX  and XXXX  XXXX XXXX, yet they are not removing this fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Recovery Solutions agreed to delete an account from my credit report and the account still shows on my credit report, this company agreed to this after a complaint that was filled by me as the consumer. I called their office to ask, why the account isnt being deleted and now theyre telling me that a manager needs to review it. This has been going on for more than 4 months and I know that this process should only take about 30 to 60 days to complete, I want Debt Recovery Solutions to provide me with a letter from their company where they say, that they agreed to delete the account and that they sent request for deletion to all the credit bureaus that the account is being reported to. I need this letter as soon as possible and thank you very much.
Product: Credit reporting or other personal consumer reports

providing my personal information to third party agencies without my consent and permission in writing.

I have not contract with them and do not owe the amounts stated.

The 3 yr debt collection statute has passed in the state.

Willful negligence to continue sharing my personal private information.
Product: Checking or savings account

Navy federal is still charging me overdraft fees even after I have funds in my account. Even when i freeze my card they still let companies charge my card. Sometimes it causes my account to go negative but i then put money in the account to bring it current and ill get hit with multiple overdraft fees because of transactions that occurred before the account went negative.
Product: Debt collection

On or about XXXX 2015, I found a negative reporting entry on my credit report posted by Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX for a debt allegedly owed to XXXX. The entry showed that the alleged debt was reported in XXXX 2015. I called Diversified Consultants and asked why they did not verify the debt by sending me a letter as required by law. They claimed they did ; I did not receive any such letter and I informed them about it. I have since noticed that they have noted on my report with the following information " Account information disputed by consumer, meets FCRA requirements '', meaning that instead of correcting the report and sending me a letter to verify the alleged debt, they have suo motu decided that they were in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans have been discharged due to total and permanent disability status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government disability benefits. Equifax the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education XXXX and the reporting agency Equifax and have not came to an amicable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm filing a complaint against Equifax & the incorrect reporting of a collection account for   XXXX   XXXX   XXXX  , which is working on behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  . Equifax is reporting negative information about a medical ambulance bill that was paid on   XXXX     to   XXXX   XXXX   XXXX  . I have attached a copy of my receipt that was emailed to me directly from   XXXX   XXXX   XXXX  , so I 'm a little unsure why it was sold to the collection company   XXXX   XXXX   XXXX   in the  1st pla ce. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files  ASAP &  all further collection actions & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time.
Product: Checking or savings account

On XX/XX/XXXX US Bank restricted my Business Checking account due to a chargeback that was disputed over XXXX ( for Business ). I went into the bank on XX/XX/XXXX and they said they are doing a review, will be closing the account ( which has a balance of {$210000.00} ), and mailing me a check. I have attempted to resolve this issue in a timely manner but it has been almost 4 months now with no change of status and I really am in need of this for my business. They have not given any help and are outright rude when I try to get to the bottom of it.
Product: Credit card

A couple of years ago, I made a XXXX purchase on a Target Credit Card at Target. {$35.00}. 
I then went o XXXX until XXXX. I found the {$35.00} in the mail upon return, now being charged $ 100+ in late fees. I paid it in full after getting one month payment voided, then tore up the card and forgot about it. Recently I learned that this is the only delinquency on my credit report, and that the amount is not specified, classified as a " serious '' delinquency, and XXXX tells me it will be on my report FOR 10 YEARS! Nothing they can do, nothing Target can do, so they say. Can you change this? Can you get effect a rule change whereby delinquencies below a certain amount are treated less severely, like under {$100.00}, must come off the credit report once paid, and maybe a sliding scale based on the amount and time of debt owed, like $ XXXX-2 years, XXXX $ +, 5 years, etc. Please respond, XXXX XXXX
Product: Credit card

XXXX XXXX from BOA was lying about her availability and never responded to my calls or emails. 

She never called me or consulted me. 

-attached is the email from Bank of America XXXX XXXX XXXX RE : Case Reference XXXX Thank you for contacting Regulatory Complaints of Bank of America XXXX As your Resolution Specialist I welcome the opportunity to address your concerns. 

Please contact me at the below telephone number at your earliest convenience to confirm that you are the party who engaged the Consumer Financial Protection Bureau ( CFPB ). My days and hours of operation are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please note that well be providing our response to your concerns in writing via secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at XXXX and I or one of my colleagues will return your call within 48 hours. 

I look forward to the opportunity to serve you and appreciate you taking the time to bring this matter to our attention. 
Please note that this email address is not actively monitored and should not be used for replies. Do not send any sensitive information such as account numbers or Social Security numbers. 


XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX This is a service em
Product: Debt collection

The company XXXX XXXX XXXX ) and third party debt collectors ( Consumer Adjustment Company ) have harassed me and threatened to get me fired from my employer and ruin my credit if I do not pay them different amounts of money. I stopped contact with them and now they have reported incorrect information on my credit report.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with  particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Money transfer, virtual currency, or money service

This issue if directed to Paypal. 

On XX/XX/2020, I purchased services from XXXX XXXX for the amount of {$15.00} ( Transaction XXXX ). This purchase was for 1 Month ( 30 days ) of server hosting. 

On XX/XX/2020, all servers went offline. According to announcements in the official XXXX XXXX Discord ( messaging service ), the CEO went " missing '' and none of the server bills were paid. Over the next few hours/days the company 's remaining staff alerts everyone to cancel reoccurring billing and eventually sends off refunds. 

Before this happened, I had opened a claim with Paypal but once I heard the news that refunds were being sent out, the dispute was closed. It turns out that all the refunds were eventually rejected by Paypal for an unknown reason ( theories float from there being no money in the account to Paypal restricting their ability to refund wronged customers ). 

I then reach back out to Paypal who tells me to try to work it out with the company ( who is out of funds and who's CEO has run off ) to try to get a refund again. The company is no longer issuing refunds as the remaining staff has done all they can. I CAN NOT get a refund from this company, everything that could be done from their end has been done. ( SEE SCREENSHOTS ). 

Paypal continues telling me to work with the company, I tell them that I can not. I tell them that the company does not have any way to come to a resolution and they then tell me to work with my credit card/bank. That would be great BUT the purchase was used with Paypal funds. I can not go to a bank or credit card company and file a dispute because Paypal funds were used. They are my last resort and all they wish to do is push me from rep to rep without a solution. They continuously cite that their system won't allow them to help me even though I've very possibly been scammed of my money. ( SCREENSHOTS INCLUDED ).
Product: Credit card

US Bank removed the following feature from the terms of service after I paid an annual fee, specifically for this and other features. 
" Bonus Award Night - Redeem XXXX for XXXX or more consecutive Award Nights and the last night is free. Exclusively for cardmembers.