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

I am a victim of identity theft at one point there were addresses listed on my Credit Bureau reports from XXXX, XXXX XXXX, XXXX  and multiple addresses here in XXXX where I live I reported the fraud to the FTC I file police reports and in addition to that there were fraud alerts added to all of the three major credit bureaus the other Banks all acknowledge the fraudulent activity and have removed the fraudulent accounts from my credit report but for some reason Bank of America is still standing by their their decision that this is a legitimate account please show me some proof so far you've not provided any proof guess an account was opened yes it was used but not by me and of course the information is similar this is why it's called identity theft if the information didn't match mine it wouldn't be called identity theft please explain your point of view you keep telling me that you have validated the account because the information matches of course it does this is the problem.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Product: Checking or savings account

XXXX They responded and we followed the directions but when we tried calling the number that was on their final response letter, we can not get a hold of anyone. The case was closed by your organization but nothing has really been accomplished. We've tried calling at many different times of the morning during the week but message is always the same and no one ever answers the phone.
Product: Checking or savings account

Capital one has had an outage and will not release direct deposit funds I can not feed my family or pay any of my bills
Product: Debt collection

I am not liable for this debt with XXXX and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}
Product: Debt collection

I have attempted several times to validate this debt, and that this company contacted me owns the Debt and they have failed to provide me proof of validation. They are not providing enough information and also using abusive language to scare me into paying them without them providing proper documents that they on the Debt in full. 
Pursuant to 15 USC 1692g as requested by the consumer the company must provide validation of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX  XX/XX/2022
Product: Checking or savings account

Hello, Background : I tried to withdrew EUR XXXX on XX/XX/year> in XXXX, XXXX, however when I found out XXXX XXXX rate was not as good, I cancelled transaction, the ATM machine was confirmed transaction was cancelled at that time. Since the transaction was cancelled, there was no receipt printed. It was surprisingly to learn that the Chase bank still withdrew the money from my bank account. Me, my husband and my friend were all there and confirm that I did not get any cash at that time. 

I have been working with Chase bank for a long time, however the issue has not been resolved. 

If you need any additional information, please let me know. 

Thank you
Product: Mortgage

I got an email on XX/XX/20 that my mortgage was being transferred from XXXX XXXX  to Suntrust. 
I never got any kind of information in the mail or via email from Suntrust. Today I got an email threatening a late fee because I haven't made a mortgage payment yet. 

There is no way to register online to pay without my account number. I have been on hold with their customer service for over 40 minutes trying to get this sorted out and I am at work so this is not acceptable. I tried getting through to their customer service on XXXX through @ asksuntrust and they directed me back to their customer service telephone number.
Product: Credit reporting or other personal consumer reports

Kindly dispute the XXXX that appears on my credit report, I'm writing. I have a court letter stating to the fact that this XXXX  should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Product: Debt collection

In XX/XX/XXXX, NCC Business Services Inc. placed a collection with the major credit reporting agencies for XXXX on my credit report. I have reached out to them with certified letters and they still have not given proof of the debt and then when I sent a second letter to get more detail they stopped responding to me altogether and continued to report the negative remark on the 3 major credit bureaus. In their first response, they showed me a copy of a lease I signed back inXX/XX/XXXX & XX/XX/XXXX but nothing showing that I owed anything. I paid rent and moved out on the last day of my lease back in XX/XX/XXXX. I reached out to the major credit bureaus, XXXX, XXXX, & XXXX via certified letters and they refuse to remove it as well or give an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of report In accordance with the Fair Credit Act, this creditor has violated my rights u

nder 15 U.S.C 1681 section 602. States I have the right to privacy. 15 U.S.C 1681 section 604a section 2 states a consumer report agency can not furnish an account without my written instruction.

Under 15 U.S.C 1666 b, a creditor can not treat a payment on a credit card under an open edit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian I demand for the second time that you delete this unauthorized inquiry from XXXX dated XX/XX/2022. Experian I have provided proof documentation directly from XXXX stating that the credit reporting agency shall delete this unauthorized inquiry from my consumer report. I have attached a copy of the response letter from XXXX and a copy of my original dispute with you have not responded to. After you have deleted this inaccurate inquiry from my consumer report send me a full a complete copy of my consumer report.
Product: Credit card or prepaid card

In XX/XX/XXXX, I was contacted by CitiCard about a past due on my account when I did not use my credit card for any kind of transactions for over 6 months. I contacted them, filed a dispute, and was never contacted again other than to consistently call me and text me to say they tacked on more fees instead of resolving my dispute. Today is XX/XX/XXXX, I have been on the phone 5 times in the last hour and a half, have spoken to over 10 different people at this point, just to have them hang up on me and not resolve my issue. I filed a dispute for a minuscule amount of around {$15.00} and they can't seem to help me. They have only constantly transferred me to different customer service representatives or hung up on me. They refuse to contact me back to talk about my dispute and so it is an endless cycle of calling and being hung up on for the last two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on NUMEROUS occasions requested XXXX XXXX to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called XXXX XXXX and informed them I was struggling to pay my payment due to natural disaster of hurricane XXXX here in FL affecting my job as a nurse in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The XXXX XXXX rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from XXXX XXXX. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the XXXX XXXX XXXX at the time. I live in FLORIDA and was affected by XXXX XXXX in XX/XX/XXXX and due to this CAT 5 storm my job as a nurse was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING XXXX XXXX TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by XXXX XXXX representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding XXXX XXXX administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. 
I also I am aware that Experian has just been sued by the CFPB. This makes me question the validity of my previous investigation. Thank you.
Product: Debt collection

What happened : Midland Credit Management , Inc. is reporting a collections account for a balance of {$1900.00}, which was sold by XXXX XXXX on or about XX/XX/year>. The attached letter from XXXX XXXX confirms the account transfer. Despite this, I believe this collection is either inaccurate, improperly validated, or not in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions taken : Reviewed my credit reports from XXXX XXXX XXXX XXXX where this account is being reported as a collection item. 
Attempted to verify the validity of this debt but have not received appropriate documentation or evidence from Midland Credit Management , Inc . 
Disputed the account with the credit bureaus, but no resolution has been provided. 
Supporting evidence : Attached letter from XXXX XXXX XXXX XXXX indicating the transfer of the account to Midland Credit Management , Inc . 
Desired resolution : Immediate removal of this negative item from my credit reports with XXXX XXXX XXXX XXXX 
Compensation of {$100.00} for the damages caused by this inaccurate reporting, as allowed under applicable consumer protection laws.
Product: Credit card

I had my account set up for automatic payments and the payment did not go through for the month of XXXX. I was never contacted via phone, mail, or email to notify me of this, and the company immediately suspended my spending privileges for extreme past due payments. As soon as I realized the payment was never taken from my linked checking account, as it had been every month prior, I made the late payment, all associated fees, and the payment for the month of XXXX. I have since paid the card balance in full, which I was told to do in order to get my account reinstated, and I am still being told that my account is severely past-due and close to being sent to collections.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name ; XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXXXXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Payday loan, title loan, or personal loan

I returned home after 5 months in the hospital having my XXXX XXXX XXXX XXXX XXXX. I am XXXX and have a excellent re payment history. One day I received a call from a company named XXXX XXXX saying I was late on a monthly payment that was deposited into my credit union account.I called my bank and they said I owed them for someone trying to take out money that I new was not there because i get one XXXX check a month.I went and got a police report, but the said the don't take numbers over the phone. I got a credit Report alert, that i have a collection hit, Now I'm stuck paying {$1500.00} a month rent the rest of my life, because all lenders say I have to make this go away before I cane move forward. Help if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly had issues with initiating disputes over the phone and in writing via mail to Transunion LLC. The representatives after verifying my identity, and fraud alert that's in place will not process my inquiry disputes and constantly are giving loopholes that discouraging and complicated. The FCRA gives consumers the right to dispute inaccuracies on their report and dispute inquiries that are done without the consumers consent. Following that, I submitted in writing in XX/XX/2022, account disputes accompanied with copies of proof of identity and address, signed with my legal signature. Transunion refused to process the disputes in writing. Following XX/XX/2022, Transunion sent a generic letter that did not adequately explain why my dispute was not processed. So, I called and spoke with XXXX XXXX in special handling department, and she confirmed the dispute was not processed. She told me that they would not access my documents to process the disputes and even after she verified my identity, the dispute was not initiated as I requested. On XX/XX/2022, I contacted legal counsel and had a document mailed to TransUnion making another request to initiate my dispute. On XX/XX/XXXX, I received a notice of the dispute results and as a result the disputes, Transunion re-aged the accounts, where my delinquencies were showing updated as of the date they were disputed. This is unfair! The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. Transunion is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.

I also have had negative experience with XXXX as well. This company never sent updated results of my credit disputes after the investigation was concluded and they re-aged my credit accounts as mentioned above whenever I dispute them. The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. XXXX is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.
Product: Credit card or prepaid card

On XX/XX/XXXX I responded to the letter sent to me from Capital One in regards to a transaction that I did not authorize. The merchant had told me that my card was declined and the bank had even alerted me to fraud from this merchant ( I was not notified until I had cell phone service and that my card was eventually cancelled and a new one sent to my home ). I have tried reaching out to the merchant as I did not authorize these payments from my cards and someone else from my group had paid for the services ( which was also not provided with any receipt ). The bank is asking me to contact the merchant which I have tried to do but they are not responding to my phone calls. I have asked Capital One exactly how I can appeal this decision and this morning ( XX/XX/2022 ) I spoke with XXXX in transaction support and he told me the effectively I could not appeal the decision taken by the bank, that the onus is on me to produce receipts when I was not given any to begin with. I understand the necessity to ask for receipts, but I also know that the merchant does not have a signed receipt from me because I never authorized the transaction. I want to know what the bank can do to contact the merchants bank since the merchant does not want to communicate with me. The transaction date was XX/XX/2022 amount {$130.00} and the dispute with the bank is XXXX
Product: Mortgage

On XX/XX/XXXX I called Fay Servicing and spoke to XXXX a manger in their customer service department, to resolve a dispute regarding late charges of {$1300.00} on my loan. I have been on ACH for a few years, having my payment come out on the XXXX of the month. A payment in XX/XX/XXXX, was returned however we never got notice of it in the mail and definitely NOT on online since we enrolled in their paperless notifications. I have attached a screenshot of the online documents they sent to me and nothing was sent to remind us of the late payment, nor that we were past due, nor did we get a call from their collection department team to inform us of this matter. I informed XXXX this and she stated they tried calling me. We have checked the phone records and didn't get a call from Faye and since this was a robo call, we also checked for repeat calls from a unnamed number for the last few months and found there was none. I informed her that we did not get notice since they have defaulted my notices to paperless and XXXX would not do anything to assist. She did waive one late fee per their policy but the issue would have been resolved, if we would have been notified of late fee, let alone charged for many months of late fees would not have happened.
Product: Debt collection

XXXX is showing the two following accounts on my credit ; LVNV FUNDING LLC Account XXXX and XXXX XXXX Account XXXX The two accounts do not show on XXXX or XXXX where my credit reads over 720+ but on XXXX because of these two fraudulent reports show a score of XXXX. Neither company is the real party in interest. Neither company ( debt collectors ) can provide any legal capacity to attempt to collect or report an alleged debt. There are no court orders or judgement ( s ) in place and therefore where there is no contract there is no claim! The entries are in direct violation of Ohio Revised Code 1321.45 and MUST be deleted. Further I was not notified of the 'requirement to authorize ' them before you closed out my previous complaint. Stop shielding them!
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is being submitted through the CFPB to inform Equifax that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were 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. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

A letter was sent to Midwest Recovery Systems requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred. 
Copies of all documents and identification of the original creditor. 
Proof that the Statue of Limitations has not expired on the account. 
Proof that you are licensed to collect in my state. 
Your license number and Registered Agent Documentation. 
The letter also explained that this item does not belong to me as I never did a payday loan online or in person and the item should be removed. The item has been on my credit bureau since XX/XX/2017 and doesn't belong to me at all. I requested the item to be removed immediately as no documentation was sent to me confirming the debt.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/year> I received {$190.00} value in XXXX to Venmo. Immediately sold {$50.00} for XXXX no issue so far. I then attempted to purchase {$48.00} in XXXX  and was unable to. I contacted customer support via chat in venmo app and was informed my account was frozen and was told I would receive more information via email. On XX/XX/year>, I received an email stating my account has been permanently deactivated and my remaining balance of {$170.00} will be held for 180 days for loss prevention purposes.