23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i made a debt and disputed it with capital one and was told that capital one would take care of it, but after i paid capital one the sum of XXXX, they are trying to make me pay it again and i also know that they have a program called fraud protection that will help me, but they also refused to get that program up and going to stop the fraud that capital one is doing towards me, filed a compliant with f. d .i .c and going to dispute it with my own bank, XXXX XXXX i would like to stay with capital one, but with that kind of fraud going on, NO THANKS now they want to turn me over to collections and destroy my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report I noticed there was an account on my report that I have never seen before. It is a collections account that was put on my credit report without proper notice from the CRA or the collections agency. If I'm not mistaken by law I am supposed to receive a notice before an account is put on my credit report. I demand that the account be verified with a contract and written signature or removed from my credit file.
Product: Credit card

Can you check these documents? I want these late payment remarks deleted and update it to positive.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit Below are the accounts I am requesting to be delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have dealt with flagship credit acceptance for a car loan that I opened back in XXXX. The company had harassed me on many occasions over the phone. They would call my cell phone repeatedly throughout the day, as well as my workplace during hours that were highly inconvenient to me. Flagship has also shown up to my place of residence to serve me a letter after informing them not to call me outside of the time frames I had advised, which I have a witness the leasing office. They have contacted me numerous times, and had even questioned my ability to pay during hardship and advised me that I need to have family members help me, or else. I have gained much knowledge of consumer protection and rights and Flagship Credit Acceptance has failed me in many areas. The injuries were far too mortifying. I had tried to arrange payments for past due balances and even requested extensions and were given new numbers and information each time- no one in the company was ever on the same page. The company had failed me and has also repossessed my vehicle as of XX/XX/XXXX. 

*Photos attached- all unknown callers are from Flagship credit acceptance XXXX
Product: Checking or savings account

Card was fraudulently used at ATMs for over {$700.00}. I have a disability and can not leave my home. I do not use ATMs. The bank is Wells Fargo. 

I submitted a fraudulent use claim and was credited the amount that was used by the fraudster. On XX/XX/year>, The credit was reversed in the amount of {$720.00}. I contacted them to advise them of their incorrect judgment, and they still ruled me liable for the fraudulent withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was repossessed XX/XX/XXXX and was redeemed the following day XX/XX/XXXX. The " Redeemed Repossession '' comment is still reporting as of XX/XX/XXXX and negatively affecting my credit score. This is currently violating the FCRA 15 U.S. Code 1681c due to reporting after the 7 year / 7 year 180 day mark.

Per 15 U.S. Code 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ...

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.5 Also : ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Product: Credit card or prepaid card

Today CashApp took a little over {$210.00} from my account. I deposited {$250.00} into the accounts that already had {$12.00} in it because I had a payment coming in the next day for {$260.00}. I looked into my account and only saw {$44.00} left along with my payment being declined for low funds. That {$250.00} was taken from my XXXX checking account. Now I will have to pay interest on that and have to shell out another {$250.00} to make my payment. Thats now {$500.00} that I do not have to just spare. I work two jobs just to get by. I dont have the money to just throw away. Cash app said that it was for 3 previous transactions taken out on the same day. That is incorrect as I saw those transactions being taken out the same day. Now Im being charged for them again. Cash app says that the transactions went through on the same day and my payment to XXXX for {$260.00}. That is also false as their dates prove otherwise. 

I also didnt get to mention this but I had put money ( {$230.00} and {$340.00} ) into the account twice after those XXXX charges. The XXXX charges that were taken out previously. If it had an error, why did they not take the money out then. I dont get what cashapp is doing but it is robbery. 

This is the second time theyve taken money from me but this is way too much. Its affecting my day to day life now as my checking account will be overdraft by the end of the week and Ill be charged overdraft fees everyday until the end of the following week since I wont be paid again until then.
Product: Money transfer, virtual currency, or money service

Deposited a check into my WELLS FARGO mobile banking on XX/XX/year> and they are holding 92.5 % ( thousands of dollars ) of the funds until XX/XX/year>. WF says they havent received the funds or it hasnt cleared or something. I dont understand how my funds can be withheld for this long. Its ridiculous. These funds were deposited because I need to pay bills on the XXXX of XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA EQUIFAX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.
Product: Credit reporting or other personal consumer reports

This complaint to EQUIFAX alleges violations of the Fair Credit Reporting Act ( FCRA ) due to the presence of inaccurate information and fraudulent accounts on my credit report. Upon reviewing my recent credit report, it has come to my attention that erroneous data and fraudulent accounts are being reported, yet EQUIFAX has failed to take any corrective actions. By allowing this inaccurate and fraudulent information to persist on my credit report, EQUIFAX may be in violation of the FCRA 's provisions regarding the accuracy and integrity of consumer credit information. Additionally, I have taken the necessary step of filing a report with the Federal Trade Commission ( FTC ) to address these violations, providing documentation with report number XXXX. This action is in line with the FCRA 's requirement for consumers to report any suspected violations to the FTC, which oversees compliance with the FCRA and ensures appropriate enforcement measures are taken. In summary, the presence of inaccurate information and fraudulent accounts on my credit report, coupled with EQUIFAX 's failure to take corrective actions, constitutes potential violations of the FCRA. By filing a report with the FTC, I am seeking resolution of these violations and enforcement of my rights under the FCRA to ensure the accuracy and fairness of my credit information.
Product: Checking or savings account

My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX, Washington. I am XXXX XXXX XXXX. 

On XX/XX/2022, Key Bank allowed multiple fraudulent transactions to occur on my business checking account without my knowledge or consent ( {$48000.00} ). Key Bank allowed a criminal to call in through their automated service number and fraudulently transfer {$5000.00} from my business line of credit to my business checking account to ultimately steal. Key Bank allowed transactions to occur over the phone without vetting that they were actually speaking to me. Below is a list of transactions that Key Bank allowed to happen without my knowledge or consent : XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6800.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$4900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$5000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6300.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Phone Transfer from business line of credit {$5000.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Direct Deposit, XXXX XXXX XXXX Account Verify - {$0.00} XX/XX/2022 Direct Deposit, XXXX XXXX XXXX Account Verify - {$0.00} Key Bank Case # XXXX XXXX XXXX Police Department Case # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CFPB Case # XXXX XXXX XXXX XXXX fraud happen to him in XX/XX/2022 with Key Bank in which criminals were able to XXXX {$430000.00} successfully. Key Bank did not refund this fraud. 

I am not affiliated with XXXX XXXX and XXXX XXXX XXXX in any way other than we both bank at Key Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone stole my credit card and used it, it was a XXXX XXXX XXXX XXXX. XXXX XXXX took care of that immediately, but then on XX/XX/XXXX I got a XXXX XXXX hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX from XXXX XXXX XXXXXXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the Equifax data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Since XXXX, I have repeatedly requested verification and correction of information on my credit report. Despite these requests, the inaccuracies remain, and no real proof or verification has been provided to confirm the legitimacy of the disputed information. 

I have now meticulously reviewed my credit report line by line, examining each creditor individually, and have identified all discrepancies that must be re-investigated. I request that each item be thoroughly examined and corrected or removed if it can not be verified according to the Fair Credit Reporting Act ( FCRA ) guidelines. 

Please treat this as a formal request to immediately investigate and address all inaccuracies on my report, and provide a corrected copy upon completion. This action is necessary to maintain an accurate and fair representation of my credit history. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX I received a phone call from number XXXX. Unfortunately I did not catch the mans name but he stayed he was calling from a law firm about a debt. Without any provocation from me, the man stated that I was XXXX XXXX That I was a XXXX XXXX for not paying my debt. How is this able to happen? No one should be allowed to talk to anyone like this.
Product: Credit reporting or other personal consumer reports

Disputed information that XXXX accounts were fraudulent, not mine - I did not authorize or approve these accounts. These accounts were taken out in apparently my name, not my address, not my phone number. Errors were not fixed, furnished no proof, no data, just said they investigated it and it was fine. These accounts are fraudulent, I have submitted police reports, FTC reports, affidavits, etc
Product: Debt collection

In response to prior complaint ( below ), XXXX stated that my account was closed and there was no remaining debt ( XXXX case number : XXXX ). Nevertheless, I continue to experience extreme harassment by collections agencies for these charges. Due to lack of coverage and fraudulent advertising of coverage maps, I canceled my XXXX XXXX account. This was followed up with a letter from a collections agency ( XXXX XXXX XXXX ) for {$120.00} for my XXXX account. XXXX did NOT notify me at any point of this balance before forwarding to collections. Upon contacting XXXX, they refused to provide the basis for this bill, or a rationale for using a collections agency before notifying me. They further refused to state whether the bill was valid and could not tell me what account or service it was for.
Product: Credit card

Navy Federal has NOT GIVEN ME THE SIGNED contract. THAT ALLOWS THEM TO PROVIDE ANY CRA ' WITH A PRIVATE MATTER. PLUS Add injury to insult a signature with my name.A agreement to extort money from my account. All information, what's not clear and conspicuous? For me to make a informed or practical decision. Please STOP choosing me the nature person harm With their adverse adverse actions that are keeping me from living in this society with essential goods that are needed for life.
Product: Debt collection

XXXX personal checks were stolen from me the end of XXXX 2015. XXXX check was cashed for {$30.00}. The other check was not used. I contacted my credit union immediately and placed a stop payment on the check for {$30.00}. The credit union reimbursed me the {$30.00}. I filed a police report and the thief has been apprehended and charges filed. I received a telephone call from TRS Recovery Services asking for payment on the {$30.00} check ... ..I told them it was a forged stolen check. Then in a few days I received a debt collection notice from TRS Recovery Services for the {$30.00}. I did not respond as I had spoken on the phone to them already. I tried to use a check at a local store after this incident and was refused. I contacted Telecheck XXXX XXXX XXXX an affiliate of TRS Recovery Services , Inc., filled out their form and attached the required police report, bank information and faxed it to them. They sent back a letter from their resolutions departmeent stating I sent accurate information. According to Telecheck my account is cleared. I just received a second debt collection notice for the {$30.00} from TRS Recovery Services , Inc . I have attempted to reach them by telephone and get a recorded set of instructions, and when I press XXXX to talk to a representative no one answers and it disconnects. I tried calling the resolutions department at Telecheck XXXX XXXX XXXX with same result. They are affiliates who are taking advantage and collecting money they are not entitled to. I wo n't be sending them anything. I also am concerned about my personal information I submitted on their form ... .soc. sec. #, bank routing and account #, DOB, name, address, telephone #. I 've had to close that bank account and open a different account. I see there are many other complaints about TRS Recovery Services , Inc. and Telecheck XXXX XXXX XXXX from others. They are financial predators. How can I protect my identity now that they have personal information? How can I stop the harrassment of debt collection attempts? Thank you for your kind assistance.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with XXXX for a couple of months now as of XX/XX/XXXX in regards to a lease through Chrysler capital that was a total loss. 

The agreement was paid on time as expected until XXXX XXXX when the insurance settlement deemed it a total loss early termination. 

I disputed I had a balance on this account still in XX/XX/XXXX. XXXX XXXX resolution was to remove the balance owed and in turn mark my credit report with a XXXX and 60 day late payment history. 

My score dropped from XXXX to XXXX immediately as a result. I have been back and forth with XXXX numerous times and continue to be told I have no late payments and yet this still shows. 

I have been on with Chrysler capital numerous times to confirm it was coded correctly as well.

I have filed countless disputes and still no resolution. 

The latest was an email today they sent me stating " Your summary links late payments and derogatory indicators, negative remark, together so you know there isderogatory information reported on your credit report. 

Because it is not showing an actual late payment, it is referring to derogatory indicator on your report.Please contact the XXXX Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to locate and confirm the derogatory information. '' I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.