23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Collection agency Rent Debt Collections Contact XXXX XXXX XXXX XXXX, TNXXXX XXXX XXXX ) XXXX The aforementioned collection agency harassment with malicious intent. FDCPA Violation I am being targeted by this collection agency because of my profession and the assumption of a high income. They are reporting {$2900.00} dollars to my credit bureaus as a deliberate action with malicious intent. I only noticed collection account when I checked my credit report. Up to this day XX/XX/2022 I have NEVER received any official/written communication from this agency. I am requesting proof of written communication. No random letters without proof of receipt. By law I should have been given 30 days to provide documents to dispute before this was reported to my file. In addition, I have requested proof of debt, proof of the amount this debt was purchased from the original. 
This collection agency maliciously/purposely DID not send me a notice of collection ; collection agencies are required to mail a written notice aka. validation notice. ANY NOTICE SENT NOW, AFTER I HAVE BROUGHT THIS TO THEIR ATTENTION THROUGH A COMPLAINT is laughable. It should have been done in a timely manner. They illegally have reported this account to my credit file, multiple level of violations. IF THEY CLAIM THEY HAVE MAILED ME ANYTHING, I AM REQUESTING PROOF THAT I RECEIVED ANYTHING! SENDING LETTERS TO RANDOM ADDERESSES DOES NOT COUNT. A backdated letter which is often created as a tactic by collection agencies should be evident. Anyone can create a letter and backdate it to even the earlyXXXX 's, However they must prove the letter left their office and was received by the consumer. A simple tracking number would be fine or proof of certified mail.
Product: Credit card or prepaid card

Claim # XXXX from Bank of America My account was charged {$180.00} from cash app. I did not authorize this transaction. I contacted XXXX XXXX through email and I was told to request a refund. I requested a refund and was not successful. I contacted my bank institution and explained the situation and they temporarily credited me back the {$180.00} until investigation was over. Claim was closed and now Bank of America wants to hold me accountable for the transaction. I do not think it is fair to hold me accountable for this transaction.
Product: Debt collection

Dear Credit Bureau, I am writing to inform you of an error in my credit report that requires immediate attention. Upon reviewing my credit report, I noticed that my account with [ XXXX XXXX ] is still being reported as a violation, despite the fact that I have been making on-time payments from XX/XX/XXXX to XX/XX/XXXX. 
I would like to request that you remove this violation from my credit report, as it is not an accurate reflection of my credit history. I have been diligent in making payments on time and ensuring that my credit remains in good standing. 
I understand the importance of having an accurate credit report, and I would appreciate it if you could update my information accordingly. I have attached a copy of my payment history for your reference, which clearly shows that I have been making on-time payments as required. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please research then remove the following hard inquiries made to my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am the Trustee for the XXXX XXXX Living Trust. After XXXX died in XXXX, I tried to withdraw the balance and close the account.They took one line out of the Trust and decided that it kept me from withdrawing the funds from Wells Fargo. " except accounts held by me in a fiduciary capacity '' This line actually means if XXXX was a fiduciary for a grandchild or XXXX individual. XXXX had no fiduciary responsibilities. 

I have spent 7 months trying to resolve this. 

I am the Trustee for over XXXX XXXX dollars in various banks, credit unions and other Investments. Wells Fargo is the only facility that has taken this position. 
The XX/XX/year> Statement shows a balance of {$26000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I spoke with a TCF Bank ( TCF National Bank ) MN representative on XXXX XXXX and to close my checking account as it was now being charged $ XXXX for paper statement fees. After having to call back as I was using XXXX XXXX as I live in XXXX XXXX and this was showing as a blocked number ( my brothers receive a phone number when I call ). 

I called back went through all the steps and was told to expect the check in a few days. Due to the current issues with the postal service it wasn't noticed that it hadn't been received until receiving an XXXX statement, which was a surprise. 

I called back to TCF on the XXXX XXXX and requested a refund to the account and then to close the account. I was told that the account could not be refunded {$4.00} and that I would have to close the account in person. I stated that as I live in XXXX XXXX this was not a possibility and that I would be raising a compliant as I was told the account was closed. 

Prior to writing this compliant, I called back one more time and asked for the complaints department, hoping that they may be able to resolve this. They said customer services and complaints were the same department and I could not be transferred. On this call I was told that due to my account being dormant ( this was the first reference to this ) I could not close the account over the phone and there was nothing they could do for me. 

This process seems very predatory, as I would assume most people that have dormant account are in a situation where going to a bank branch is no longer possible, part of the reason for the account being dormant. Also, it is unreasonable that they can still charge my account {$4.00} but can not reverse the account or stop sending paper statements ( I cwas told to change this setting I would have to go in person ).
Product: Credit card or prepaid card

I have two credit cards with Chase, ending on XXXX and XXXX, and Chase just closed both of my accounts without proper reasons, accusing me in misusing rewards, which I have not used at all. Besides that, Chase listed three other closed accounts which I don't have at all, ending on XXXX, XXXX, XXXX. I have no idea why Chase closed my two accounts ending on XXXX and XXXX, and sent me a letter explaining that they closed three other accounts, ending on XXXX, XXXX, XXXX because of rewards misuse, and you can see from my reward activity, that they were not used at all, at least for the entire XX/XX/2018 year. I'm legally XXXX, and I get very XXXX  when I get harassed with false accusations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address 's does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries do not belong to me Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score. 

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should  have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX  stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX  Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
Product: Credit reporting

I have been trying to dispute this XXXX account for several months. Equifax has had this in continual dispute for well over 60 days. I have reached out to XXXX on multiple occasions, and they have NO RECORD of me in their system. They have no way to even pull this account up, as they no longer have the information in their system/never had information attached to me. 

I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My Venmo account was unexpectedly and unjustifiably frozen with my {$66.00} dollars still in my account. Venmo requested further identification which I sent ( Drivers License ) yet theyre withholding my money from me. Numerous of their customers have had issues with the same fraudulent activity from this company, its a quick money grab for them!
Product: Checking or savings account

I received a direct deposit at Comerica Bank and the moment they received it, {$7100.00} they closed my account and refuse to allow me to withdrawal {$5700.00} from the account. They say it is not available for whatever reason, but I went to XXXX banking centers in XXXX and XXXX and both dishonored my withdrawal banking item that they admitted was a negotiable item. They continue to deny me access to my funds, eventually the last time this happened they forced me to withdraw like {$3000.00} from my account and take the cash. This time they just seem so upset they aren't doing that. They won't update my address or anything. They just telling me to wait until XX/XX/2023 while they investigate. No longer are they telling me anything, just that they have my money and I can't have it right now. I've called XXXX XXXX in XXXX Michigan XXXX and filed a civil lawsuit served it and overnighter it to Comerica Bank 's legal department at XXXX XXXX XXXX, XXXX Michigan ... nothing, but even more anger and admitting more that what should be available will not be available to me. It was {$7100.00}, and they did admit that {$5700.00} of it was available and to go to banking center for their discretion to give me the funds. I called a different banking center where I opened it and they screamed and yelled at me over the phone, the XXXX XXXX and XXXX XXXX, branch. I've tried everything. Some FBI agent walked by and said, " Tell them they have until XXXX. '' I told them that and XXXX XXXX said, " We don't go by FBI time ... '' I said, " You just ignore everyone don't you. '' And other customer complained she wasn't able to get her money at times and was closing her account because of it, when I went to XXXX branch this morning. I have XXXX dishonored banking items, withdrawal slips, both for {$5700.00} and they would not cash them. I also notified them of an address change and they have not done anything about that either. I need this money, this isn't the first time they've done this to me, they eventually allowed me to withdrawal the funds but not this time.
Product: Debt collection

On XXXX XXXX, I discovered that my savings account was levied due to a judgment against my husband. 
The collection agency, Apothaker and Associates, has withdrawn funds from my husband 's account several times. The last withdrawal was XXXX XXXX in the amount of {$1600.00}. 
I contacted the agency to alert them of my complaint and they stated that a cease and desist was ordered on the account so they could not discuss any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting an account with account number XXXX on my consumer report with a balance of {$280.00} and the account does not belong to me. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Sallie Mae regarding a reporting error that has negatively impacted my credit. I paid off my student loan accounts in full on XX/XX/year>, as evidenced by the attached proof of payment. Despite this, Sallie Mae has an account listed under XXXX XXXX, which does not reflect my actual name, XXXX XXXX. 

Key issues : Incorrect open account : I have no outstanding student loans with Sallie Mae, yet they continue to report an open account under an incorrect name variation. 

Failure to update records : My payment of {$6200.00} covered all my Sallie Mae accounts, which should be reflected as paid in full. 

Credit impact : The inaccurate reporting of an open account under the wrong name is misleading and may negatively affect my creditworthiness.

I have attempted to contact Sallie Mae to correct this issue but have not received a resolution. This error is unacceptable and needs immediate correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove it to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was attempting to do a refi on my mortgage, I was told by my mortgage company that i had a default payment on a student loan from XXXX. I have never taken any courses at XXXX. This is the information I received ( Dept of ED- GUARANTEED, Case # XXXX, Authorization # XXXX. ) I have no Idea why this was on my credit report.
Product: Credit card or prepaid card

Was affected by a data breach at work ( through health insurance carrier ) in XX/XX/2023. There were several inquiries on my account unbeknownst to me. It appears that someone attempted to apply for a credit card using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX This need to be removed I have reported to remove from XXXX report
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. I told XXXX, Transunion, and XXXX to reinvestigate this account that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

these hard inquiries dont belong to me, hasnt being authorized be me and has to be removed.Also this is as well.thanks hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm filing a complaint about late payments on my credit record. I've reviewed my records and found these late payments. I sent letters about this over 30 days ago but haven't received a response or satisfactory validation. I'm requesting help to resolve this quickly and effectively.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I transferred money from XXXX checking account XXXX to my cash app account. An message came up that I had insufficient funds to make a deposit and try again. So I tried the XXXX transfer again. Again it said I had insufficient funds so I tried a smaller amount of XXXX still same message all three transfers. My XXXX XXXX pays the amounts anyway and charges me XXXX for each. This was an emergency my XXXX was very sick and that is the only reason I made the transfers anyway. I went to my XXXX XXXX account and it is showing that XXXX paid all three. Cash app will not post to my account nor will they even investigate. The money went somewhere and I have called XXXX 2 times verifying that the amounts were paid. My XXXX is very sick and I am having to deal with this.. I need cash app to just investigate and see where the XXXX is. I couldn't get anyone at cash app to help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2022 I am reporting a fraudulent inquiries found in my credit report
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX a late fee of {$38.00} respectively was charged. 
I paid on the due date which is the XXXX of every month. When I spoke with the customer service department, they said that there is a cut off time which is XXXX XXXX. This is not fair because a due date is a due date as long as it is paid on the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection was reported in error. The collection agency sent a letter to all 3 credit bureaus informing them to remove the account from reporting on my credit files in XXXX. XXXX and XXXX removed the account. Equifax has not. I called the company and they informed me they notified Equifax to remove the account from reporting. Equifax is failing to comply with the letter attached. This was sent 5 months ago and is now affecting my ability to borrow money.
Product: Checking or savings account

My XXXX account was officially closed on XX/XX/XXXX, with a remaining balance of {$360.00} owed to me. Despite multiple requests to receive this payment, I have not yet been issued the check. My latest attempt to resolve this matter was on XX/XX/XXXX, but I have received no response or payment since.