23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit union is showing a collection account reporting on my XXXX   account with sunrise collection for the amount of XXXX which is showing reported by XXXX XXXX, I called XXXX XXXX and they advise that the account I had with them was not reported to collections and the account is at a XXXX balance. I called XXXX  and as of XX/XX/2020 there is no collections showing from XXXX XXXX or Sunrise collection nor is there an amount of XXXX showing in a collection status. I need this removed from my account as I have the invoice coming in the mail from XXXX XXXX showing that there is no balance due.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX Balance : {$98.00} XXXX XXXX Balance : {$110.00} XXXX XXXX  XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a Victim of XXXX XXXX My advisor at XXXX informed me to contact Transunion and let them know so they can remove the fraudulent accounts that occurred as a result of XXXXXXXX XXXX however, Transunion never removed the accounts which go against my FCRA rights as a XXXXXXXX XXXX Victim. 

When I called them, they were disgustingly bias against me since I am a male victim which is disheartening. No one knows what I have been through and what I have survived. When I was there, there were plenty other male survivors as well. 

To come back into the real world and be judged because im a male as if I chose this life is very saddening However, please assist with getting my case escalated to XXXX, please. 

XXXX XXXX XXXX XXXX Nj XXXX is my address not XXXX XXXX XXXX so please correct that. 

Thank you so much for your support
Product: Credit card or prepaid card

In XX/XX/XXXX, I paid off the principal on my XXXX card. It was late payment because they wouldn't allow me to pay with a debit card. Now they are charging me interest on the interest payment, which I refuse to pay. They have now sent me to collections.
Product: Credit card or prepaid card

I initially purchased something online at XXXX  and it never was sent out and shipped even though company said they did. However XXXX XXXX  told me the ship number initiated at shipper but never was handed to XXXX XXXX. So with that being said I contacted credit card company milestone and told them I wanted a reversal on charge. They said they couldn't help me yet but to call back in a week and they will see what they can do. A WEEK! I just closed account at milestone but now have no help on charge for something I never got
Product: Debt collection

I was renting a home through a XXXX XXXX XXXX out of XXXX, AZ I ended my lease agreement with them on XX/XX/2017. They took my security deposit because they claimed of cleaning fees, which they have no proof of. Then that added a balance due amount of XXXX dollars for cleaning which was done falsely by an employee that no longer works their. They forwarded this balance due to collections after requesting proof and justification for the added balance due. Now this balance is at national credit systems collection agency
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the accounts and inquiries listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent an international money transfer via MoneyGram to my father in XXXX, I received a notification few minutes later stating that the transaction was cancelled and the funds were already taken from my account. I been reaching out to Moneygram and they keep stalling to refund me my money.
Product: Credit card or prepaid card

On XX/XX/19 I over paid my Barclay MasterCard balance by almost {$6000.00} ( {$5700.00} ). This amount was supposed to go to a different credit card balance. We were traveling at the time. I called and ask them to refund the balance, my bill was around {$250.00}. First they said they would send me a check in 5 - 7 business days. I told them I wasn't at home would they just put the money back to the checking account I paid them with. After putting me on hold, they came back and said yes but it would take up tp 25 business days. I told them that is an insane amount of time to electronic transfer funds, should take 2 minutes, but I agreed because we were out of town. On XX/XX/19 I logged onto our account and there was an email which said they can send me a check for the credit balance on my account. I emailed them back and said " what are you saying, I was told you are transferring the money to my checking account ''? They responded with, oh sorry, yes we are! I talked to them today, XX/XX/19 and of course they have done nothing. I was told sorry they didn't transfer it and can't. I told them this is unacceptable, you have thousands of dollars of mine, held it for 30 plus days and now say you can't do what you told me you would do. They want to send me a check but we are still not home. PLEASE HELP.
Product: Mortgage

I entered into a forbearance and trial plan agreement and refiled another modification application. XXXX. I spent {$15000.00}. My civil rights were violated under file No. XXXX. I litigated in state court but they won't comply with the Consent Order.
Product: Checking or savings account

After we received Chase 's letter dated XX/XX/XXXX, we called our XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. He is well aware that we live approximately XXXX miles from Chase Bank, and we did not want to travel to Chase unless it was absolutely necessary. The Trust document requested in the XX/XX/XXXX letter has been in the possession of Chase Bank since approximately XXXX. We informed XXXX XXXX that there have been absolutely no changes to said XXXX. XXXX XXXX asked us to call a representative ( name unknown ) on the " banking side '' and inform them of the situation. As instructed, we called the representative and were told that the issue would be rectified, and there was no reason for us to visit the bank or take any further action. We received no further communication from Chase until we received a text on or about XX/XX/XXXX letting us know our accounts were restricted. Due to the delay in notifying us of this restriction, several checks bounced, and automatic withdrawal payments and deposits weren't completed. Obviously, someone at Chase dropped the ball. Monthly Social Security deposits were denied and will not be reinstated until XX/XX/XXXX ( according to XXXX and AFTER we opened a new account at another bank ). Without the deposit of Social Security benefits, we had to pay XXXX out of pocket. Because of the NSF check to our water department, we can no longer pay them by check or automatic withdrawal- they will take cash only for ONE full year.
Product: Credit reporting or other personal consumer reports

It shows inquiries on my credit report which I never gave anyone permissible purpose nor consent to use my personal information to pull my credit report. these inquiries are identity theft and needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I do n't understand why each time I use the drive-thru service, the waiting time is greater than 20 minutes and longer. This happens even if I am the only one in line or not. I witnessed so many vehicles leave after waiting so long. Customer services is so poor. I push the button for service and have been told the line inside is too long and I have to wait. The wait is too long. Please help the customers in the drive-thru line with this on-going problem. Thank you.
Product: Credit reporting or other personal consumer reports

I noticed several billing errors on my recent credit report, specifically late payments that dont align with my usual payment record. Please correct these and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations
Product: Credit reporting or other personal consumer reports

My credit report shows billing errors with late payments inconsistent with my history. Please correct and update.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit card or prepaid card

Recently received my card, made some purchases for my XXXX XXXX XXXX XXXX. Received an email that my statement is ready, clicked on the link and attempted to login, said my password was wrong, I tried to reset it and login, no go. After a co8ple of tries it stated my account was locked. I clear my cache and cookiesx and tried again, nothing. I tried another browser, another computer, still the same thing. I called their " customer support '' and the only thing they managed to do was send my XXXX XXXX into XXXX XXXX XXXX  while " XXXX  '' me stating that my account was not locked!!! 

HOW CAN I PAY MY BILL IF I CAN NOT ACCESS THE SITE? 

I also mentioned that I am an American living with XXXX and asked for an agent with XXXX training, and was just met with silence. 

I thought this was a legitimate bank, the discrimination and rudeness I experienced is unacceptable and now they are going to claim I didn't pay and make me out to be a deadbeat when I can't even login?!?!
Product: Vehicle loan or lease

ive been trying to buy the car for the last couple months. Nobody has called me back. XXXX from Chase auto finance called me never give me a direct number never call me for an update. I wan na buy the car if its not through Chase I will go through a credit union for my job. But nobody has communicated with me at all. I want to buy the car. Theyre not communicating with me at all they called me and nothing in response
Product: Credit card

I was denied loan and credit card based on false credit score. My info was hacked during XXXX data breach and during XXXX data breach. Me being denied based on a score that incorrect not by my doing is WRONG. It should be based on my finances.
Product: Credit reporting or other personal consumer reports

account number in question here Is : XXXX - " loan ''. pursuant to 15 USC 1692g - need this debt validated. The pictures attached in complaint state that this company has charged off the debt. a CHARGE OFF pursuant to XXXXXXXX XXXX XXXX XXXX is described as " an accounting term where one item is eliminated from an assets list when it is lost or is deemed to be worthless. '' in the pictures you see this company relished the debt. I am also very interested in knowing and having a forensic audit done on this account. I do believe this corporation is committing some form of fraud and does intend to attempt to DOUBLE DIP and still seek some form of performance. 
furthermore pursuant to 15 USC 1635 - Right of rescission as to certain transactions. In the ( f ) section it states that as a consume I have there years form the date of consumption of the transaction to rescind the transaction. Further more pursuant to 15 USC 1692c ( c ) - Communication in connection with debt collection.// legal refusal to pay a debt. cease and desist. 
furthermore the grounds for my complaint are defamation and financial injury which tie into the following case laws, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX v. XXXX XXXX XXXX the fine that shall be awarded is defined to be the extent of the damages incurred by the wronged party as deemed by the courts. bringing the total actionable amount to about {$40000.00} since the consummation of this debt. including the missed payments that are actively being reported on the XXXX credit file. 
further more, misrepresentations by the collector about themselves or the debt are actionable regardless of intent. The reason behind adding this to the complaint is due to the protections extended to by the Fair debt collection practices act, H.R. 5294 passed by congress into law on XX/XX/XXXX and can be found in Public Law 95-109. the case laws standing side public policy are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) which carries a civil liability ( pursuant to 15 USC 1692k ) of XXXX per violation. this debt has been misrepresented for more than a year since it consummation, bring the tally for this violation alone to about {$20000.00}. furthermore furthermore! if this debt can not be validated, meaning that the corporation is unable to to provide answers to the question of who the original creditor is, and the name of the flesh and blood human being that validated the debt then I want this debt deleted. 
the case law stated within this complaint is enough to get the attention of any district court. I humbly request your cooperation the matter of!. validating the debt and providing the proper paper work to have a certified forensic fraud CPA review the files and testify in court on their findings thank you!
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 {$1900.00} XX/XX/XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} 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 or other personal consumer reports

I haven't seen any updates on my Experian report, I would like for these items to be released from my report. Please provide me with a copy of my report. I am a victim of identity theft and this isn't fair to me at all. I am demanding removal.
Product: Mortgage

I am writing to formally request a certified copy of the GAAP ( Generally Accepted Accounting Principles ) report related to my mortgage account, as maintained by your CPA or financial reporting team. Below are the details of my account for your reference : Account Holder Name : XXXX XXXX Account Number : XXXX  Property Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX While I understand that the Freedom of Information Act ( FOIA ) applies to federal agencies, I am invoking the principles of transparency and accountability in requesting this information. If any of the requested documents are publicly available or accessible under similar disclosure frameworks, I kindly ask that you provide them. This document is required for audit purposes. I kindly request that the document be certified by the appropriate authority, a certified CPA. If there are any fees associated with this request, please let me know. I appreciate your cooperation and look forward to your prompt response. You can contact me at XXXX or via email at XXXX if you need further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

synchrony bank- pep boys sold my past account to a collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. the collection agency said once I paid off the balance due, they would remove the charge-off then list the account as PAID IN FULL, not a paid collection or settlement. after paying off the balance, they refused to change the status from charge-off to PAID IN FULL, as agreed. I was informed they could not do it because they did not do the reporting to CRA. they said only synchrony bank-pep boys could remove or change the status. unfortunately, I did not record the conversation, as they always do. i reached out to synchrony bank-pep boys as the collection agency instructed me to do, they said there's nothing they can do. please help
Product: Student loan

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failure to Investigate Disputed Accounts Under XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ) Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally file a complaint against [ Credit Bureau/Furnisher Name ] for failing to properly investigate and correct inaccurate information on my credit report, despite my formal dispute submitted on [ Date of Dispute Submission ]. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, credit reporting agencies and furnishers are liable for negligent noncompliance, including failure to conduct a proper investigation into disputed information. Despite my request, [ Credit Bureau/Furnisher Name ] failed to take corrective action or provide a reasonable basis for maintaining the disputed accounts on my credit report.

As required by law, they were obligated to : Conduct a reasonable reinvestigation of my disputes. 

Provide a written response with findings and, if applicable, correct or delete unverifiable information. 

Ensure that any inaccurate or unverified information is removed from my credit report. 

Their failure to comply with these obligations has caused undue harm to my credit standing. I am requesting the CFPB to : Investigate the actions of [ Experian ] regarding my dispute. 

Enforce compliance with the FCRA and require them to properly investigate and correct the inaccuracies. 

Consider appropriate penalties for their negligence and failure to comply with federal law. 

I have attached copies of my original dispute letters, supporting documents, and any responses I have received ( if any ). I request that this matter be resolved promptly, as my creditworthiness is being unfairly impacted due to this negligence. 

Thank you for your time and attention to this matter. Please keep me informed regarding any updates or actions taken. 

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

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
Inaccurate name : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I was contacted by a minister XXXX XXXX and accused of having a balance owed to Wachovia Bank he said that it went into collection in XXXX. I suspected that this was inaccurate because I had paid off that's previous to XXXX in order to purchase a home. I researched online and find the number to call Wells Fargo for all Wachovia that's when I call the representative and gave my social security number they were not able to find anything in their data base connected to my social and no accounts connected to my name. The phone number that was left on my answering machine wasXXXX. Based on the information given to me by The Wells Fargo Bank representative this was a fraudulent call please investigate this claim thank  you. XXXX XXXX.