23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have a loan that is to be paid back in monthly installments, however I am unable to take care of it right this minute and the employee continues to come to my home on a daily basis and call me twice a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has got this complaint since XXXX and still hasnt done anything they told me all these things were deleted from my credit report but there still on there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  let me add i was nrver offered a card from XXXX XXXX  and all i have is 2 cards from XXXX so they need to correct my file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a hard credit inquiry from comenity capital sephora on XXXX that I did not request or authorize.
Product: Credit card or prepaid card

We received a {$500.00} prepaid netspend card as a gift. This card is asking for a copy of ID, a current bill and SSN to prove identity. This is not how this card is advertised. It is clearly a way for them to hold on to money. They are affiliated with XXXX and XXXX, both places have absolutely nothing to say about them. I called XXXX  they said they can't do anything at all. If you call one of the numbers they have for customer service ( not the one the card - XXXX ) and try to leave a message it hangs up on you. You can easily get ahold of someone at any hour to purchase a brand new one of these cards but to get in contact with customer service you must wait for their business hours of XXXX to XXXX ... I don't think all this could make it anymore suspicious or obvious what this company is in it for. I can't imagine anyone wants to give very personal information and documents to a company with VERY low reviews.
Product: Credit reporting

I have XXXX accounts on my credit report that are being reported XXXX under my negative items. These are student loans that were all reported by sallie XXXX XXXX XXXX. XXXX XXXX assigned these loans to XXXX. XXXX XXXX and they too reported the same loans in XX/XX/XXXX. The loans have same origination date same late dates and same dollar amount but they appear as XXXX identical entities just wish h slightly differencing loan company names. I understand it has to be reported but I also understand that it should n't be duplicated. I have tried disputing it but if the investigation asks both companies they will give u info each of them of th same loan but XXXX!!! That does n't seem like fair reporting
Product: Checking or savings account

I filed a fraud claims on unauthorized charges that I noticed on my account on XX/XX/XXXX with Navy Federal Credit Union. I have included XXXX police reports because I notice my identity have been use to open new accounts and my debit card was used without my authorization. My phone was hack through sim hacking and my information was stolen from me. Navy Federal did not communicate directly to me in terms of requesting more information but denied my claims saying. The total amount of unauthorized charges are {$7400.00}. No provisional credit was given during the investigation nor did they communicate properly via any channel to update my claims. I have to reach out repeatedly without an answer until they told me it was denied. This is their answer to the denial : " Navy Federal Response XX/XX/XXXX : Thank you for your message. During our investigation, we use various methodologies to achieve the best results, which may include internal databases, monthly statements, merchant documentation ( if applicable ) and any information obtained directly from the member. Please note that we are unable to provide sensitive information that does not fall within compliance. '' What information did they use to verify the unauthorized charges!!!
Product: Credit reporting or other personal consumer reports

Take the late payment information off of my account because this is incorrect. I spoke with a representative and manager from XXXX and they told me to file this complaint because I am not suppose to have late payment remark on my loans when by law they can not do that anymore and Ive been in school for over 10 years as well. I am not required to start paying back loans as of yet. Some credit reporting companies are showing late and some isnt showing late payments! I am currently enrolled in school now and have attached my schedule. All of my loans have been consolidated. Please goodwill deletion off my credit or at least correct my payment information to never late!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Deposited {$2400.00} into Wells Fargo on XX/XX/2022. Wells Fargo put a hold on it even though there are weekly deposits from this same local company and local bank of {$1000.00} and will have multiple checks in various amounts as well. The check cleared the writing bank on Mon  XX/XX/2022. The hold was until Tue XX/XX/2022 when the check showed cleared. On Wed XX/XX/2022 Wells Fargo removed the funds charged insufficient funds put XXXX day hold on the check, no doubt hoping we had started using the funds and they can charge nsf fees. I called Wells Fargo and told them the check had cleared. I offered to get a banker from the other bank, XXXX XXXX XXXX XXXXXXXX XXXX on the phone to verify the check had cleared but Wells Fargo XXXX refused and said I would have to wait the full additional XXXX days. 

This is the XXXX time in a row Wells Fargo has done this with a check that was over the regular {$1000.00} weekly deposit. On XX/XX/2022 {$5000.00} was deposited and cleared the writing bank on XX/XX/2022. Wells Fargo put a hold on this deposit, they said because of the amount it would be a XXXX day hold. This was after initially crediting it as usual, so we did have nsf fees. When I look at my account now, Wells Fargo has cleaned it up. I had to get an XXXX cash deposit of {$3000.00} to cover my account on XX/XX/2022 because the above deposit was on hold, but that is not what my account shows now. Despite what my account shows, Wells Fargo had my over 5k to play the market and make money. It put me through the ringer. Regardless of the fact it credited back the nsf charges once the deposit was finally credited as it should have been done in the first place, on XX/XX/2022, who's to say they do that everytime for everyone they do this to.? And, even if they do, they did/ could send things back causing problems with vendors, my reputation, my credit reports. 

Wells Fargo gets its information from automatically and electronically from the XXXX XXXX just like every other bank. This is not a one off as it's happened to me XXXX. This time being worse than the first. The error being so blatantly false and automatic, and according to a XXXX untouchable and unfixable on their part. 

In most cases, people would be mad at the person or entity that wrote the check. At the very least, their efforts would be in contacting a XXXX department to find out why their check bounced. So, this is very sneaky. They were not counting on a self employed person who is in a company small enough that he would check and catch on to what they are doing and report them. And, by erasing everything, they make it hard to track later once you do.
Product: Credit card

Received fraudulent activity on my credit card to citi bank, they looked into it and they said they cant do anything more and said we have to pay the amount of fraud of XXXX of 3 counts of fraud of {$180.00}. X XXXX, and XXXXXXXX XXXX XXXX of 4 counts of fraud for {$180.00}. All over the US, With the same XXXX HOME DEPOT , Totaling $ XXXXplus interest!!! 
We have nothing to do with the fraudulent activity and feel we should not be responsible for the fraudulent activity and payment to citi bank. They did not do their job enough to substantiate the fraudulent activity on us! 
Can you help us with this? 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage Services # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Product: Debt collection

Wells Faro XXXX XXXX Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper nonfiction please provide " certified mail '' with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have it take legal action.
Product: Checking or savings account

Fraudulent charges were made on my account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XXXX I immediately notified the bank, Bank of America of this fraudulent activity and closed that card out. I only used my credit card for all remaining purchases until my card was reissued. 

I sent them back the signed affidavit that I was not present for these transactions, had not given my pin number to anyone, and was physically in XXXX during the time of the transactions. 

I have proof from my XXXX account that I drove to work that morning and proof from fellow co-workers that I was present until the end of the day on XX/XX/XXXX. 

Bank of America has maintained that I have 0 % liability, but they have repeatedly overturned that it was fraudulent based on their narrow criteria that it was within my spending area, that it was not attempted to be used after I reported the card stolen, and that the amounts are not large enough to be trying to clean out my account. Well that may be but it is completely untrue that I am going to be held 0 % liable since they seem bent on proving that I am not their valuable customer but in stead some kind of mastermind criminal, all for XXXX . 

I have already opened a new account at XXXX and will be moving all of my accounts over to them ASAP. Bank of America don't care about their customers and they are the crooks here.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 to any 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

Experian is reporting incorrectly ( 120 ) days late on XXXX CARD partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account was opened fraudulently and does not belong to me. I have attached correspondence from XXXX XXXX   dated XX/XX/2019 and XX/XX/2019 regarding this account and confirmation that this account was in fact opened fraudulently. This account has since been closed. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Product: Credit card or prepaid card

I see several 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

Was notified via mail by Credit Management L.P. in which i responded withing 2 days to dispute the validity of the debt owed, I specifically asked for validation of the debt which i sent via certified letter which Ive attached to this complaint, Credit management never responded within the 30 days allotted by law, Credit management knowingly added this debt to my credit file without validating this debt as i demanded. 

Proof of my request will be attached to this complaint.
Product: Checking or savings account

I am trying to close my Webster bank account. It had {$10000.00} in it. I transferred the {$10000.00} out and the transfer finalized on XX/XX/XXXX. There was {$0.00} left in the account. Once I confirmed the transfer went through on XX/XX/XXXX I requested the account to be closed. However, on XX/XX/XXXX they charged me with a {$21.00} monthly maintenance fee because I had less than {$10000.00} average daily balance for my statement closing on XX/XX/XXXX. Now Webster is telling me they ca n't close the account cause there is a negative balance. I simply transferred the money out of the account with the intention of closing the account once the transfer was finalized. Tried calling up two times and they refuse to waive the fee or  close the account since it 's negative. <P/>This is a round about way of charging me a fee to close my account. Very wrong. Asked to speak to a supervisor, said there are none available. <P/>Please help!
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Account and inquiries on Credit Report I am writing to dispute a fraudulent account that appeared on my credit report. Upon reviewing my credit report, I discovered an account listed under my name that I did not authorize or open. The details of the fraudulent account are as follows : Creditor Name : BANK OF AMERICA Account Number : XXXX Date Opened : XX/XX/year>
Product: Debt collection

I have disputed NATION CREDIT SYSTEMS Collections MULTIPLE times. XXXX, XXXX, XXXX continues to report it even though the collection agency has provided NO proof of verification. The collection was removed in 2020 yet XXXX XXXX XXXX allowed it to be added back with no verification and without notifying me 30 days prior as required thus giving me no time to dispute. The collection agency provided no 30 day letter prior to attempting to adding it giving me no time to dispute. XXXX has drawn this out and it is affecting my credit substantially. The collection company continues to repeat the same information and provides NO proof. I keep attaching these conversations from email showing this and NOTHING is done In Fact, and truth, Bureaus violated my rights even more so in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit bureaus state my account was properly investigation but how is that possible if when I contacted the Debt collector agency, they could not provide me with Privacy disclosure : their ability to retrieve my private information and how it was transferred from original creditor. No documentation including or showing interest charges, payments, credit fees associated with the acclaimed amount owed was provided by credit collection agency. No full account number was provided by the collection agency to and Credit Bureaus because that information is redacted if full privacy disclosure is BREACHED. ) This grounds for removal. They also violated the law because according to : 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692. ( c ) ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. I did not give anyone written instructions.
Product: Debt collection

I am writing in response to your recent communication dated [ Date of Debt Collectors Letter ], which I received on [ Date You Received the Letter ]. I do not acknowledge or accept responsibility for this debt and am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ).

Please provide the following information : 1. Validation of the Debt : The amount of the debt.

The original creditors name and address.

The date the debt was incurred.

2. Proof of Your Authorization : Verification that you are legally authorized to collect this debt.

3. Account Documentation : Copies of any contract or agreement I allegedly signed that created the debt.

4. Payment History : A complete payment history, including all charges, fees, and payments made on the account.

5. Confirmation of Statute of Limitations : Evidence that the debt is within the statute of limitations for collection in my state.

Please treat this letter as a formal dispute. Under the FDCPA, you are required to cease all collection activities, including reporting this debt to credit reporting agencies, until you have provided the requested validation.

Additionally, please communicate with me only in writing regarding this matter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days as required by law. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX