23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO : XXXX XXXX XXXX OF XXXX XXXX You responded to my previous CFPB complaint and basically ignoring the accuracy of the credit report. I asked you POLITELY to read the attachment below which is my credit report showing the account you report. If you have conducted a reasonable investigation. You should have seen the mistakes of the Date Opened. Why the date Opened on TransUnion XX/XX/XXXX, XXXX XXXX XXXX says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your XXXX XXXX so he or she could read the following statement since you failed to do so. I just want to know how you could report to TransUnion & XXXX Date Last Reported XX/XX/XXXX, & XXXX XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit card has not been updated on my Experian report since XX/XX/XXXX. XXXX and XXXX always update accordingly. Thats how I know the creditor provided Experian with an update. This is and ongoing issue and my credit file needs to be updated per statement. Ive tried to dispute online but of course Experian website is not allowing me too.
Product: Debt collection

Received a letter from Diaz & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX dated XX/XX/2021 indicating I have a debt of {$1900.00} for a XXXX Calling Card . The letter stated that if I pay {$670.00} by XX/XX/2021 the debt will be removed. I have never had a XXXX Calling Card and this debt is not in any of my credit reports. A XXXX search shows this company has attempted this fraudulent debt collection with many others and is still in business. This is a scam plain and simple and this company needs to be held accountable for their fraudulent actions.
Product: Mortgage

I refinanced my loan with Chase to a new loan at a XXXX reducing theXXXX year fixed FHA loan to a XXXX year loan. The process went smoothly with the credit union but when XXXX XXXX XXXX XXXX sent the wire to pay off the loan, Chase Mortgage did not communicate with the title company for XXXX days and rejected the wire without anyone knowing. No one called to say we cant pay this off because ... XXXX Now I have XXXX loans and paying interest on XXXX loans. I can not get Chase to help me resolve the matter and title has n't resolved the matter. We are getting late payment notices after they rejected the wire for the loan amount. This is ridiculous and we need something to happen to Chase to make this work.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report and have noticed several inaccuracies of accounts that do not belong to me. 
These accounts include collections, late payments that I was never late paying, and a public record that is inaccurately reporting which I have disputed before where I shared the letter I received from my local court that does not furnish this information to the credit bureaus and they a reporting these items without my consent or knowledge without any proof of VALIDATION of any of these items. 
I have included the letter which I have written to Experian on XX/XX/2024 along with the certified mail receipt.
Product: Other financial service

For past 6 months Global Client Solutions XXXX XXXX XXXX XXXX collected {$250.00} a month for debt consolidation. After realizing no repair had been done I reached out to lawyer that was supposed to receive certain payments that had n't. Although credit repair was listed on each statement for {$49.00}, no creditors were paid. Wit went to bank and we called the company who claimed I missed payments since XX/XX/2015 but I have statements that show otherwise. Bank XXXX told them about last statement the company hung up phone and called me personally. She wanted me to print, sign and send a cancellation notice but not confer with my bank XXXX. Any time I call they do n't want to talk and hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed while preparing to buy a home that I had a lot of activity that I didn't sign off on I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I have been writing in about this issue for a while and I am at a loss. once I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Account Name : XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account BalanceXXXX Account Name : XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$6200.00} Account Name : XXXX XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$4000.00} Account Name : US DEPT OF ED/XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$21000.00} Account Name : XXXX  XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance : {$12000.00} Account Name : US DEPT OF ED/XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name XXXX XXXX XXXX  XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit card or prepaid card

I requested a balance transfer of {$2800.00} on XX/XX/XXXX via the bank website. The credit card bank where I requested the transfer is Old Navy/Barclay bank . The money was to go a XXXXXXXX XXXX account. 

On XX/XX/XXXX, I checked on the status of the transfer and saw it was marked as completed, stating the money went a XXXX account ending in XXXX digits that did not match my XXXX account. 

I contacted Barclay bank was told to wait until XXXX as it takes time to transfer. I was also told the ending XXXX digits of the receiving bank, as shown on the balance transfer transaction, did not really mean what it stated. I was told it was a code of some sort that even the phone representative could not explain or access. 

I contacted them again on XXXX as the money was still not reflected as a credit to my XXXX bank account. 

I had multiple messaging communication online as well as the phone calls and each time I was told to 'wait '. 

On every phone call I was asked for the receiving bank account number, which I provided. On one of the latter calls, I was told that I obviously mistyped the number so the money went to someone else 's account and a 'case ' was opened for research. I was told it would take XXXX bus days to complete the research. 

I called today, XX/XX/XXXX, and this time I was told that when I requested the balance transfer I somehow typed XXXX digits into what should be a XXXX digit field. And ... the number I typed was somehow a valid account number at the receiving bank! 

I was again told to wait it out for the research to be completed as it could take up to 90 days! 

I asked to speak with someone else and was transferred. XXXX told me the money likely went to a 'holding account ' at the receiving bank. Ok, fine.. so let 's get this reversed. I have been alerting you since XX/XX/XXXX that there was an issue. 

I just want the transfer reversed and all fees returned. I was told again to wait it out for the case to be researched.
Product: Credit reporting

Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2016 even though I received a XXXX Cancellation of Debt from XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

DELETED XXXX XXXX XXXX FRAUDULENT ACCOUNT! And XXXX 15 USC 1666b late payments. 
I am giving XXXX, XXXX and Eqifax the opportunity to correct this mistake. XXXX, XXXX and Eqifax are in violations of violations of Fair Credit Reporting Act ( CFRA ) ,15 U.S. Code 1681i. A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. Fraud vitiates the most solemn contracts, documents and even judgments [ U.S. vs. Throckmorton, 98 us 61, at pg.65 ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. Whipp v. Iverson, 43 Wis 2d 166. False or misleading. I suffered damages as a result of XXXX, XXXX and Eqifax misrepresentation. As a result of XXXX, XXXX and Eqifax violations of Fair Credit Reporting Act ( CFRA ). Please make necessary corrections to my credit report ASAP. See -U.S. Constitution, 1789, Article 1, Section 10. No state shall ... make anything but gold and silver coin a tender in payment of debts ... 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

Please correct inaccurate data from my credit report as soon as possible. Please make the necessary corrections to my credit report as soon as possible. I have suffered damages as a result of the misrepresentation. As a result of XXXX, XXXX and Eqifax in violations of ( XXXX ). 

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, XXXX XXXX XXXX hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

URGENT REQUEST FOR IMMEDIATE RELIEF : I am a XXXX in financial distress, please help me today. Thank you. XX/XX/2016 Citi Bank agreed in writing to remove an escrow account of {$600.00} from my mortgage, and I signed the Citi Escrow Removal Agreement form and faxed it, which Citi received XX/XX/2016.The bank refuses to remove the escrow account -- claiming they need to pay my taxes of {$2700.00} XX/XX/XXXX, which was not a condition of their signed Escrow Removal Agreement. My escrow account has almost {$4000.00}., more than enough ; and Citi demands I continue paying into the escrow account in my payment due on XX/XX/XXXX. The Citi Agreement had no such conditions to the escrow removal -- is acting fraudulently, and abusively. Please help me today, I am available for a press conference immediately. Thank you so much. 
Please respond immediately to me, XXXX XXXX. Ph : XXXX, email : XXXXXXXXXXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Cit Loan XXXX. I have complained 3-times to the Citi Customer Service Dept ( after being cut off 6 times and was cut off after waiting on hold 45 minutes ) and am the victim of deceptive business practices, fraud, breach contract, and intentional infliction of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Hard inquiry from XXXX XXXX on XX/XX/XXXX that I did n't know about. 
2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.
Product: Debt collection

Contacted company XXXX XXXX XXXX SOME TIME IN XXXX OF XXXXXXXX XXXX to tell them that this was NOT MY DEBT OF {$1100.00} and THAT I DID NOT OBTAIN OR OPEN THIS account as I recently found out during that time period that I was a victim of identity theft! I SENT AND OR MAILED THEM COPIES OF THE IDENTITY THEFT REPORT THAT LISTED THIS ACCOUNT ON IT AS WELL!
Product: Debt collection

After checking my credit score, I discovered my credit score had decreased significantly. I then checked my credit report and XXXX and XXXX placed a collections for XXXX XXXX. I have not received any notifications of a debt owe by XXXX XXXX or Smith and Rouchon. I want this removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

A medical provider filed my claim wrong. I asked them in writing and by phone to properly refill at least 6 times over the course of a year. The provider never corrected the issue and then turned it over to a debt collection company. I provided them with written documents showing their error and documenting my correction attempts and provided the legal basis for why I did not owe the money until it was properly filed. They have a contract with XXXX XXXXXXXX XXXX and if not properly filed it is a breach of their contractual duties. Even XXXX contacted them to assist and they refused to follow their instructions. I disputed with Equifax but all XXXX did was contact the debt company and confirm their belief it is a legitimate debt. They did not contact me for more info and did not contact XXXX.
Product: Checking or savings account

FROM AROUND XXXX to XX/XX/XXXX to XX/XX/XXXX. 

DISCUSS ALL ISSUES AS MY BANK WAS XXXX  XXXX  XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ELDERLY WOMAN WITH XXXX INTENTIONAL PAIN AND SUFFERING TO XXXX SENIOR MAN WITH XXXX XXXX XXXX and XXXX and now RIGHT-SIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INTENTIONAL XXXX OR INTENTIONAL INFLICTION XXXX XXXX XXXX AND XXXX INTENTIONAL XXXX XXXX XXXX TO A XXXX ELDERLY WOMAN XXXX TO A XXXX SENIOR MAN LOSS OF WORK LOSS OF HOME DESTRUCTION OF DOCUMENTS WIRE FRAUD RECKLESS ENDANGERMENT THE LIST IS VERY LONG.

THIS WAS FILED IN XX/XX/XXXX. ACCESS AND LOSS OF LIFE AND SO MUCH MORE DONE BY BMO- I WAS NEVER INFORMED OF TAKE OVER OR BUYOUT OR ANY CONNECTION TO BMO. MY BANK WAS XXXX  XXXX  XXXX  XXXX. THIS NEEDS TO BE DISCUSSED WITH ANY AND ALL CFPB AS IT WAS SENT BEFORE AND NOT XXXX CFPB OR BMO OR XXXX RECTIFIED THIS HORRIFIC AND LIFE THREATENING AND LIFE ENDING ISSUE.
Product: Prepaid card

This company ( Fintwist/Comdata ) has incorrect information on their website, and an external call center that has no clue how fund transfer works in the US. They read scripts and are fundamentally unable to understand my problems in trying to transfer money to my bank and/or withdraw.
Product: Debt collection

TransWorld Systems, debt collection agency, reported an erroneous debt to credit companies without ANY validation that debt belonged to me. Since debt was incurred in a state where I have never lived, it is impossible that this debt is mine. I found the faulty reporting when my XXXX  score took a serious dive. This has damaged my credit report significantly. I've had to postpone making some financial changes until my XXXX  score is restored to it's previous Excellent level. TransWorld has never had previous contact with me until I called them to correct their error. They were simply unwilling to do their own investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I noticed on my credit report, there were multiple hard inquiries furnished by Equifax, and several of them were years old with absolutely no permissible purpose. Furthermore, such inquiries are a direct violation of my rights under 15 USC 1681 ( b ). The stated inquiries are as follows : XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Again, these said inquiries have no permissible purpose nor have I given permission at any time to have my credit pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - I was never late on this account. Bank had the wrong address and agreed XXXX remove negativity. Please verify all information is 100 percent accurate true and correct. Also please verify this account is not untimely inaccurate unverifiable or incomplete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I was never late on this acct. It was paid in full... Creditor agreed to remove all negativity. Please review file for all inaccuracies. Please verify it is not untimely, inaccurate, unverifiable or incomplete. Please remove negativity ASAP Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Debt collection

I had a car repossessed in 2017, willfully handed the keys over, and for 7 years never received a service or notification to appear in court to dispute the debt, and over 7 years later, my bank account was garnished and frozen. The original debt of around XXXX dollars has now became XXXX, and I was never notified. Whenever I called them to work a pay agreement, the representative for the company, Robinson HooveXXXX XXXX XXXX, refused to set up arrangements and harassed me about my workplace location, threatening to garnish my checks next, and threatened to go to my employer and talk to them.
Product: Credit card or prepaid card

Prior to the COVID - 19 pandemic I scheduled and paid for a vacation XXXX XXXX cruise ) for the year XXXX using my Capital One credit card. I paid the card off in full for the trip. Unfortunately, due to the COVID XXXX pandemic the trip had to be cancelled. The cruise line did reimburse my Capital One XXXX XXXX XXXX XXXX credit card. Since I already had paid the trip off on the credit card it left me with a credit owed to me. I rescheduled another trip ( resort in XXXX XXXX in the year XX/XX/XXXX but once again the trip had to be cancelled due to COVID. My credit card had been reimbursed from the resort and again I had a credit owed to me. In the meantime, I was using the credit card for small purchases which brought the credit owed back to me down to {$700.00}. I noticed on my statement that the credit was no longer there. I reached out to Capital One customer service and the representative that I spoke with explained to me that the system automatically generates a check out to the consumer. I explained to her that I never received a check. After a brief hold the rep. checked the status of the check and saw that it had not been cashed and said that they had to put a stop payment on that check and then they would issue another check. She said it would take about 15days. I waited, but again, still no check. I called back and explained the situation again and they did the same process, put a stop payment on the first check and sent out another one. Still no check. I called back and spoke with a Supervisor. After looking into the matter the Supervisor said they would credit the money via ACH of the {$700.00} to my bank account and that they first had to put a stop payment on the second check and would issue the funds into my account ( via ACH ). It would take approx 5 days. About 10 days ( give or take ) later still no funds. I again called Capital One and asked to speak to a Supervisor again XXXX XXXX XXXX and she too said that she doesn't know why they haven't returned the money back to me but that they would issue the ACH funds back to my bank. I still have not received the funds. This has been going on since approximately XX/XX/XXXX to present XXXX XXXX to XX/XX/XXXX ). I am at my wits end. This can not be right that Capital One can just keep my money. Please help!!!