23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I wrote to Chrysler Capital about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owned a vehicle with them. They sent me paperwork stating that I was the co-signer of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a XXXX letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report.
Product: Debt collection

I had a loan with XXXX in the amount of XXXX. However only XXXX cash was received by myself and the rest was placed in a XXXX  holding account. The account went into arrears in XXXX due to an identity theft issue. XXXX was sold and my account transferred to XXXX ( XXXXXXXX XXXX XXXX XXXX  ). I never received any type of notifications or mailings that the account was transferred or any notice of balance due or any notification that would have allowed me to dispute the debt or have it verified. I did move in XXXX of XXXX but the USPS did have an address change on file so mailings should have been received. 
My credit report has this debt posted without proper verification of the debt. My credit report also indicates 17 missed payments to XXXX. However I never knew about XXXX  involvement so I had no payment arrangements made. 
I called XXXX and found out the debt was transferred to XXXX XXXX XXXX so XXXX  no longer holds the debt but is still reporting missed payments. I also never received any notice that the debt was transferred. 
I havee settled the debt with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several fraud inquiries on my transunion report that were never authorized by me from these creditors, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX and i have disputed these with the creditors numerous times and they all need to be deleted from my credit report asap by transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Transunion is guaranteed to fulfill the FCRA regulation but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the following Items removed now! 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor never made contact, or attempted to give billing information so I could pay this debt. I never got a bill, was never told the account would go to collections, and the collection agency never provided information pretaining to the debt.
Product: Money transfer, virtual currency, or money service

On XXXX of XXXX, 2024, we received {$50000.00} from a client, but on the XXXX of XXXX, ( 2 months later ) the money was placed on a HOLD. It is XX/XX/XXXX, and the money is still on Hold. 

BOFA informed us that the money is part of a Fraude Claim, where the depositor says that they deposited the money in error into our account. This is false, as we have all the information from our business with them, and believe we're being victims of a Deposit Refund Scam, where the money deposited is later claimed back. I have personally called Bofa and informed them of this on multiple occasions and sent them all the proof. 

We ask Bank of America to release the Hold on our {$50000.00} so we can use our working capital.
Product: Checking or savings account

On XXXX XXXX I discovered my checking account at US Bank had been closed without notice, so I went to my local branch here in Nevada and asked why, They said " your account was closed do to 3 suspicious Unemployment checks from the state of Florida being deposited in your account ". We returned to the local branch a week later to get an update and hopefully get our money, They said it could take a couple months to get a resolution. So I waited 2 months and called the Fraud Department at US Bank. 
Now, the Fraud Department at US BANK says it could take up to a year and until the depositor claims those unemployment checks, I might never get anything back.
Product: Debt collection

Called in to find out about XXXX past accounts on my CBR Account # : XXXX and XXXX both from Capital One spoke with XXXX XXXX said said the account were sent to a Law firm and that a Law suit was Filed on me XX/XX/XXXX but she then told me the account was charged off XX/XX/XXXX and sent to a few collection company and now the law firm XXXX XXXX XXXX XXXX i explained to XXXX XXXX sounds not right like i feel like im getting robbed or something i explained to the account was open XX/XX/XXXX and closed XX/XX/XXXX on my CBR say Account closed at credit grantor 's request she said that Capital one still owns right to debit and i asked to speak to Manager was transfered over to XXXX # XXXX She explain even thou account was pass State of Limitation Capital one still right right to collected of debit and said law was filed on me as well and sent to law firm again XXXX XXXX XXXX XXXX explain to that this account should not be active that it was closed by her company she said they still have right to debit i was very worried I called XXXX XXXX XXXX very rude company could n't find my file would not help me very bad experience and just want this cleared up with feeling like im getting robbed
Product: Credit card or prepaid card

I actually closed the credit card over a year ago, but the company still continues to charge me random fees and then inflated late fees on these fees. Sometimes the random " carry over charges '' are as low as {$.00} which they will charge me a {$41.00} late fee on. Every time I pay off the random carryover fees, they come up with a new one. I have now incurred hundreds of dollars in fees on a credit card that I paid off and closed well over a year ago and it never seems to end. I have called them several times, they always tell me it's a mistake and they will resolve it and it continues to not be resolved.
Product: Bank account or service

I just signed up for a PayPal Account in XXXX 2015 and used it for about 3 months then i got a email that my account was on hold. I called in and they informed me that i have XXXX other accounts that have negative balances XXXX over {$6000.00} and the other almost {$3000.00}. I am a victim of identity theft previously so i informed them of this and they told me to fax the information in. So i called FTC to get the affidavit sent to me with the pay pal accounts added to the list of accounts opened without my knowledge. I sent the information to papal and got denied XXXX times and appealing. I was told pay pal was over the federal government and that i am being held responsible for both accounts and that they are going to keep my money its almost {$700.00} in my pay pal account its messed me up and is putting all of my bills behind.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

I called Mohela XXXX and asked for information on how to update my credit reports to the current loan status of Closed Account/Paid in Full with a XXXX balance. The customer service representative said it would take 30 days to update my credit report, and to just wait. Mohela had emailed me documentation stating my account was Paid in Full with a XXXX balance on XXXX. 

The Mohela website states, " The status of your student loan ( XXXX ) is reported monthly to the nationwide consumer reporting agencies. '' Discharged loans will be reported as " paid in full '' upon your loan status reflecting as " paid in full. '' I checked my XXXX XXXX at all three credit reporting agencies as of XXXX ( XXXX, XXXX, and XXXX ) and my Mohela account has not been updated since XXXX, as per all three reporting agencies. 

My credit report still states, " Current/Pays as agreed '' and that information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX amount of XXXX account open XX/XX/2014 without my consent. 

Attempted to dispute through Experian which never responded. 

Please remove fraudulent account from my report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


11. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting

on XXXX XXXX, 2015 i received financing for purchase of a used vehicle yet to be determined. XXXX approved the loan, and told me to go find a car and i was all set. my first trip was to XXXX fl. and i told my salesman i did n't need financing, that i already had it and i did n't want any credit inquiries on my account. he assured me he would n't do that.. I left the dealer thinking there might be XXXX car i liked enough to buy, but decided to do a little comparative shopping.I ended up finding a vehicle online in XXXX fl. I went through the same routine, telling her I had financing and she said she would only do soft inquiries so it would n't show up on my credit report. I now have at least XXXX new hard inquiries on my reports to equifax XXXX, I am not sure about XXXX yet, and I would like them removed.
Product: Money transfer, virtual currency, or money service

Afte numerous attempts to contact coinbase in regards to selling crypto currency due to restricted account coinbase will not respond to any help ticket, I have a family emergency and am trying to sell my crypto and send the funds to my bank, I am not able to do this, no responce at all for weeks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I have received a bill that was created on XX/XX/2021 from XXXX XXXX XXXX for charge off balance : XXXX and a balance of XXXX stating that an account was created with my personal information without my permission and a debt that was not validated by me the original creditor and consumer. It was stated that this information was sent to the litigation department in their company and any information obtained to about me to collect debt will be used for that purpose. 

I will be mailing a letter to dispute this debt and to demand this company to remove this collection from off all three credit bureaus. Also to cease and desist all communication with me written and orally and sending a affidavit of truth. 

This company violated list of all the violations under FDCPA with a monetary of {$1000.00} 15 usc 1692c ( a ) 15 usc 1692d ( 1 ) 15 usc 1692e ( 10 ) 15 usc 1692f ( 1 ) and Identity Thief collection my personal info without consent and account made without my knowledge.
Product: Credit reporting or other personal consumer reports

My XXXX security number along with credit file was leaked in a data breach. Im requesting All negative and derogatory items be removed from my credit report with All XXXX credit bureaus. Ive put a credit freeze on my credit reports but that did not help against the data breach.
Product: Credit reporting or other personal consumer reports

I leased a refrigerator from American first Finance. I wrote to them via email requesting to pick up the refrigerator as I dod not wish to continue the lease. They wrote back that the company did not want the refrigeration back. XXXX XXXX asked me to donate the refrigerator to XXXX XXXX or another company and send them the proof of donation and this would satisfy the account. I followed there instructions and yet they reported a {$3000.00} dollar negative charge on my credit report.
Product: Bank account or service

Chase bank, XXXX Tx I went to cash a check from my employer who banks with Chase. They charged me an {$8.00} fee as I 'm not an account holder with Chase. 
Secondly, my son uses Chase so when he needs money I can not make a cash deposit since I 'm not a Chase customer. I have to write a check or money order to deposit funds into his account. 2 days ago I went to make a deposit into his account but did not have my checkbook so I requested to buy a money order to deposit the funds into his account. They refused to sell me a money order because I am not a Chase customer. 
I had to go to a local store, buy the money order then return to the bank to make this deposit for him. On top of this, the customer service for this office did not seem to care about the major inconvenience and aggravation this caused. 
I understand rules & procedures are made to protect people from depositing cash to fund groups XXXX but to charge a non account holder {$8.00} to cash a check that is drawn by their bank is a penalty to the non account holder. This is an injustice to the American people at which this bank profits THOUSANDS of Dollars every day across the country victimizing non account holders who simply want to cash a check. Denying a non account holder the ability to purchase a money order is POOR customer service and a complete discrimination of non account holders when this bank is open to the General Public.
Product: Debt collection

The company is XXXX XXXX XXXX. 
I got a letter dated XX/XX/2020, stating that I owe them XXXX. I reported this account under identity theft and possible fraud. I had no knowledge of this account. This account might have been opened by now deceased father who has the same name. I submitted the Identity Theft Affidavdit and police reports. However they are still trying to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone unanswered to date which has caused immeasurable XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent 2 rounds of dispute letters regarding an inaccurate account thats being reported. The first response I got back from the first letter was to send proof of identity and I have done that and resent a letter explaining my problem and requesting a deletion. I have yet to hear back from the credit reporting agency XXXX and its been over 30 days.
Product: Debt collection

When COVID lockdowns started last year I needed to return cable television equipment my mail because the stores were closed. I sent three pieces of equipment back. The company gave me credit for two pieces and is attempting to collect for the third piece. We know they received the box because they credited me for two of the three pieces of equipment. 

They sent me to collections, I submitted a complaint, and they removed me from collections. Now they have sent me to collections again. Ive spent hours on the phone with them and no one in their organization seems to be able to resolve the problem. They are usually rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity fraud. I was denied a loan and when I looked up my credit I noticed the fraud on my credit. Since XXXX  I've been sending letters and proof of the fraud to Experian to remove the fraud on my account. They continue to say they have verified and have refused to remove this account. I sent all the information to all 3 credit bureaus including ftc reports, fraud paperwork, the other credit bureaus have removed the fraud .I even went as far as to produce a check list of what Experian is requesting to remove the fraud and I sent it all and they STILL refused to remove the fraud. 
Experian still is reporting incorrect information on my credit report which is against the law. 
My next step I guess to obtain a lawyer.