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

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new letter that I was the victim of fraudulent activity. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX Owed : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX ) XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section XXXX ( a ) ( XXXX ) ( XXXX ) you are required to remove any information in my file that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX doesn't let me do payment plan I try they don't extend them am homeless no money they charge me a fee of {$290.00} overdraft my account
Product: Checking or savings account

Capital One Business closed my Business 360 checking and savings accounts several times without explanation over the past three weeks. The last time my checking account was closed was XX/XX/2022. I called business customer service and visited the branch. The tellers in the bank were helpful throughout the process however there hands were tied. The agents that were on the phone stated that they could not provide me with any answers and that the department that closed my accounts could only be reach via email. 

My accounts have been closed 4 times without an explanation. To date I don't know where my money is from my checking account and the transactions has cost me hardships in my business operations. I need assist and help.
Product: Money transfer, virtual currency, or money service

I received a wire transfer last Friday, XX/XX/XXXX for money which was an escrow distribution for a sale of a business. Chase Bank has refused to make these funds available in my account as of Wednesday, XX/XX/XXXX. The reason they give is that the payment is outside the normal pattern for the beneficiary and is therefore considered suspicious. This is not true because the account involved was created solely to receive wire transfers from a business sale which took place XX/XX/XXXX. I have submitted two messages to Chase only to be told no wire transfer was pending which is not true. I have emailed the Escrow Distribution Agreement showing that I am due exactly the amount of the wire transfer to XXXX XXXX XXXX at Chase Bank. XXXX is the bank representative for the Chase XXXX XXXX XXXX  and works at Chase Bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find my correspondence in accordance with law.
Product: Debt collection

To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from XXXX XXXX XXXX dated XX/XX/18 saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with XXXX XXXX I went  personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX XXXX dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with XXXX XXXX or XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks
Product: Debt collection

I lost my wallet many years ago!   This is not my debt. I have reached out to dispute this Matter with the collection Agency, as well with the  XXXX  bureaus. I am doing what I can to fix this problem that is not mine.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : COMENITYCAPITAL/XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints a couple other times against XXXX XXXX XXXX. They were not reporting and were not reporting correctly to my credit profile on the XXXX accounts. They came back saying XXXX they updated the accounts to the bureau but had an issue reporting to Experian. After that they stated XX/XX/XXXX they updated everything through XX/XX/XXXX. However as you can see on my credit report is still showing as later or XXXX days past due and not updated on payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and now XXXX. All XXXX bureaus reflect nothing no payment at all good or bad. Status of the accounts are not updated as well
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPARTMENT OF EDUCATION Did not had to report that the balance was paid. It lower my credit score because it reported information that is not important to be shown. Its not a debt.
Product: Credit reporting or other personal consumer reports

This is the response from the XXXX department and when I called to get the information on how to remove or pay I spoke with XXXX the customer service agent at XXXX and I know calls are recorded and she says the balance is XXXX. But how is it that it is reporting as collection/charge off. But you are saying here with your response to cfpb case : Dear XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX is in receipt of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In your complaint, you expressed concern regarding the account information furnished to the credit reporting agencies by XXXX and you would like for them to be updated. XXXX is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX. or XXXXXXXX XXXX XXXXXXXX, Members FDIC. We take all matters which affect our XXXX members very seriously. XXXXXXXX XXXX XXXX. serves as the issuer of the XXXX XXXX XXXX account and as such, takes the matter of your complaint very seriously as well. We conducted an investigation to better understand the full scope of this matter. The following is a summary of our findings. A review of our records determined that we began furnishing information on your XXXX XXXX XXXX account to the credit reporting agencies in XX/XX/XXXX and last reported the account in XX/XX/XXXX. XXXX reports information accurately to the three major credit bureaus. Our records indicate your account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure. Please feel free to contact XXXX XXXX Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX. This is inaccurate and according to 15 USC 1681n ( civil liability for willful noncompliance ) and if that is the case you knowingly is and saying one thing and credit report is saying another. XXXX  rep said that the account says XXXX and should be reporting as such and told me to dispute with the credit bureaus and they suppose to remove it. At this point if that is the case it needs to be removed asap
Product: Debt collection

I just saw something on my XXXX credit report saying that I owed 200 and something dollars to a XXXX  company I am suspecting it was in XXXX XXXX at XXXX XXXX XXXX XXXX Hospital. On XX/XX/2018 the XXXX XXXX XXXX me and I pressed charges on him and I have an attorney that is supposed to be investigating the situation and I don't feel that I should pay XXXX any amount of dollars to be XXXX XXXX because I had a XXXX  injury, i went there for help. I wish that somebody will take action against this and stop any billing collections that are coming from this hospital.I have notifed them of the XXXX XXXX the XXXX  placed upon me and they said they would take action. I need action taken immediately! I am so sick of being harassed by this company and I have a long road to go down with this situation so if someone could please help me I will greatly appreciate it. I don't want my credit to be affected as much as my life has been by this and has been too much. Thank you for your help. The collectors name is Affiliated Management and it is on my XXXX  report thank you.
Product: Mortgage

I am a XXXX XXXX and only get paid 10 months a year. We reached out to our mortgage company for help. We just needed temporary help because once my regular salary returned, we would be okay. We made three phone calls. The first call, they said they could do an extension where they add the payment to the end of the loan. But I needed to call back when I was officially past the due date. I called back after the due date and they said there was nothing they could do to help, and they couldn't do an extension. I was furious. I said that this was a VA loan and there was something they should be able to do. Again, they didn't offer any options. My husband called and they also told him they couldn't do anything. My husband had to search online on the website to find out about their mortgage assistance program. We didn't learn about it from them. We did everything we were supposed to and that took so much work. Every time we submitted the requested documents, we would get a notice they needed more. It took probably 2 months just to get all of the documents in. Then I get a notice that there was a negative hit on my credit report. The 30 day overdue payment had been reported. I thought it was an error because their website said the underwriting is paused while you are applying and they are reviewing your application. I had not received a notice that the mortgage assistance application had been denied. So I decided I would wait a few days and call and get it worked out. Then I got what they called a certified letter in the mail five days later ( and it definitely wasn't certified because certified requires a signature ). The letter said we owed them the payments we missed. The same day we received the notice that our application for mortgage assistance was denied. So instead of them reaching out and informing us that the mortgage assistance was denied, explaining why, and giving us the opportunity to make a payment ; they sent a letter to attempt to collect the debt, reported the missed payment to the credit reporting agencies, and then notified us that the application was denied. To top it off, I was like, I don't want to lose our home over a couple of months of temporary challenge so I went to make a payment. I had just applied for mortgage assistance and they were requiring me to make two months worth of payments. That is over half of my monthly salary. And although I have a partner, because I make more money than him, I pay the mortgage. And for us, that works. That lacked compassion and understanding. And lastly, today my husband got a debt collection message from them. Our entire experience has been horrible. We have received misinformation and they have done some unethical things that have been financially detrimental to us. On a personal note, this is the second time a company has hurt my credit score because of something they did.
Product: Credit card or prepaid card

On XX/XX/2021, I attempted to use my Indiana Way2Go card to withdraw money from an ATM. The ATM glitched during the transaction and no money was dispensed. Upon attempting the withdrawal again, the {$210.00} had been removed from the account as if I had received the money. I spoke with XXXX who in turn directed me to call the card issuer because it is ant their fault the ATM messed up. Apparently, I was denied the hardship credit because I didnt have an urgent matter that would have given me the provisional credit sooner. Thats false because I was using that money to pay a utility that was up for disconnect. I spend 5-6 hours per day since XX/XX/2021 on the phone trying desperately to get an answer of why I would need to wait 45-90 days to get my money back. I have been hung up on by reps and flat out lied to about timeframes and processes. I was told to write my own personal statement about the incident and include the service ID number to expedite the process of getting the provisional credit sooner only to be told that the fact I wrote a statement instead of waiting for the claim paperwork, which still hasnt arrived as of XX/XX/2021. Now, I have to wait until XX/XX/2021 which is ridiculous because I need that money to pay bills! I have been lied to by almost every rep as they trash the previous reps comments to me. No one is notating the account as they claim they are doing, I am transferred to the wrong departments, given the wrong fax number to send my statement.
Product: Student loan

I lost my job and was unable to make payments of my student loan. I have XXXX loans through Wells Fargo, and apparently XXXX went to collections, despite all XXXX being due on the same day. When I was asked for clarification on this, I was given none.
Product: Credit reporting or other personal consumer reports

They neglected to make a mortgage payment when the full amount of funds were in the account. They charged false late fees x XXXX. They also reported this as a more than 30 days late payment. All evidence is in a XXXX document that I will upload.
Product: Credit reporting

I sent a letter to EQUIFAX disputing the credit reporting on the following items on XXXX XXXX, 2016 which they received on XXXX XXXX, 2016 ( USPS TRACKING : XXXX XXXX XXXX XXXX XXXX ) : XXXX - XXXX 90 LATE PAYMENT STATUSES IN XXXX AND XXXX on all XXXX accounts with XXXX. 
XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XXXX AND XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.
Product: Money transfer, virtual currency, or money service

This concerns XXXX XXXX, and XXXX XXXX, a subsidiary of Comerica Bank. XXXX EIP payments were deposited in my XXXX XXXX account, which is handled through XXXX XXXX. An EIP in the amount of {$600.00} was deposited on XX/XX/year>. A second EIP in the amount of {$1400.00} was deposited on XX/XX/year>. Neither deposit ever appeared on my account balance, hence, I was never able to withdraw the money. I was alerted to the existence of these benefits by a letter from the White House saying that they had been sent. But, I never received them. I can only believe that they were diverted to another account that was not mine. I suspect fraud. No body had access to my XXXX XXXX cards password except myself and the bank.
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX NATIONAL CREDIT ADJUST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with NATIONAL CREDIT ADJUST authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that NATIONAL CREDIT ADJUST provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from capital one should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX XXXX XXXX and not XXXX my credit file incorrectly shows. I ask that you update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pull up a copy of my credit report same there were some accounts that reflect inaccurate and incomplete information and we'll need them removed the following accounts in dispute are listed below in capital letters. XXXX XXXX I have not been late as many times as it is reporting I will post proof in the documents below. There are also two medical bills when I know it's illegal to report my public health information without my consent XXXX XXXX HOSPITAL/XXXX  XXXX XXXX XXXX XXXX multiple late fees are on account 's and several accounts I do not know or never done business with and I will be filing a separate complaint with the police report for these accounts as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the companies is Transunion I have never heard of nor have I ever charged anything with this company