23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 the Credit Reporting Agencies are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for your tenacious rebelliousness. Under the provisions of teh FCRA, I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting items on my credit report that appear to be fraudulent. The things are not in question, and they have not been removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to have an impact on my credit score. I have demanded that an investigation be launched, as well as verifiable proof be provided if the things claim to be mine. ENOUGH is ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMETHING DONE? CHECK THE ATTACHMENTS! NOT IN ROCKET SCIENCE! You requested documentation, which I have provided. AGAIN, AGAIN, AGAIN! This is my last choice before I consult with my lawyers and file a lawsuit for full compensation and damages. Please remove this. 
XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX.
Product: Student loan

I submitted an application to XXXX who is my current loan provider for my student loans. The application was for public loan forgiveness so XXXX fowarded the application to Fed Loans Servicing in XXXX XXXX. In XXXX XXXX, I received a letter from Fed Loans that my application was in review. I also called Fed Loans twice both in XXXX and XXXX. I was told that my application was being reviewed and I would hear from them and I have not. I am a full time XXXX with direct loans so I qualify for the program. My employer filled out the paperwork.
Product: Debt collection

Over 2 months ago I demanded validation of the debt that PROFESSIONAL BUREAU OF  Collections is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

See this card has the wrong address on it please dont send them a card in my name my wallet was lost so my ss an id is out there
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I did a wire transfer from my XXXX bank account in XXXX XXXX to my old and already closed XXXX XXXX   account in XXXX XXXX, MO. My intention was to send the money to my current XXXX XXXX  account, but I sent it to the closed one by mistake. 
I have already contacted XXXX XXXX  and they told me that on XX/XX/XXXX the money was sent back to Bank of America which is the intermediary bank. Ive already communicated this to the International Wire Department several times over the last 2 weeks, but they keep telling me XXXX XXXX needs to submit a request recalling the transfer so that Bank of America can return the money to my XXXX account. 
XXXX Customer Service is requiring me to go in person to the branch where I have my account in XXXX XXXX in order to send the request in my behalf but due to the present circumstances traveling is not an option right now nor in the near future. 
This amount of money is the sum of three months of my pension and essential for my daily living so I am asking Bank of America in the most attentive way to please return the money to my XXXX account in XXXX as soon as possible so I can make the wire transfer to my current XXXX XXXX  account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I applied for PPP with respect to a small sole proprietorship I own. Since I did not have a business banking relationship PNC would not allow me to apply. They said that because I run my business through a personal bank account ( to avoid monthly fees ), I couldn't submit my application online and that they would follow up with an application procedure. 

This PPP program in the CARES Act was specifically intended to include sole proprietors and independent contractors. 

PNC never sent me a link to the application for self-employed persons. They never notified me that my application would not be accepted. The only thing that happened was on XX/XX/XXXX they posted a note to their website indicating that if an application wasn't submitted by XX/XX/XXXX would not be funded. 

This was fraud and discriminatory behavior. They discriminated against small business and minority  business owners who are less likely to have business bank accounts.
Product: Debt collection

Account sold to NCA a collections company.They are reporting an old covid era account as a new account.which is in violation of the fair credit reporting act.and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX  XXXX Bankruptcy Filed XXXX & XXXX XXXX Bankruptcy XXXX XXXX
Product: Debt collection

We receive daily calls from Access Receivables Management, a debt collector. 

We have told them previously we do not have any outstanding debts and they continue to Harass us with these calls.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, and/or XXXX ) credit reports and I noticed late payments posted on my credit report. A proper investigation was said to have been investigated for completed with fairness and accuracy, but I don't agree. 


XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Equifax ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the follow circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Did I give you written instructions to furnish this account on my credit report? 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to Section 1681S-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete* the above late payments that were addressed ( not the entire account ), this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced late payment from this account, and send out a free copy of my report after the changes have been made may result in legal actions being taken against your company, for which I may be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act [ 15 USC 1692g ] violations Fair Credit Reporting Act [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/XXXX ).
Product: Mortgage

I have a home equity line of credit. I used it to pay off my mortgage to reduce the interest rate. Both the line of credit and the mortgage were with Wells Fargo. Both debts would be paid in-full had Wells Fargo not arbitrarily frozen the line of credit after the financial crash. I have excellent credit and have never been late on a payment. I met all terms of the agreement. Instead of being debt free, I still owe approximately {$23000.00}. There was and is a contract. What law gives Wells Fargo the right to unilaterally change the terms?
Product: Credit card or prepaid card

I noticed there were XXXX charges at {$5.00} for XXXX XXXX when I logged in pay a bill. I contacted Aspire card services on XX/XX/2021 to report this as fraud. They told me this would be investigated and sent me a new card. However, in the subsequent weeks, I have noticed that the charges were never removed and I never received any notification of their investigation. I contacted them several times to find out the status ( on dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. Finally today, XX/XX/2021 they send me a form saying I have XXXX days to complete it. Within the form they sent is a section where I am to contact XXXX ( however you do that ) and basically investigate the issue myself. I have NEVER had a credit card company operate this way when I customer is notifying them of fraudulent activity.
Product: Debt collection

I have disputed the same collection account with all 3 bureaus several times, I've contacted Source Receivables regarding the debt, and I even filed a complaint with CFPB about the credit bureaus. I have provided evidence that the information is incorrect and still nothing has been corrected. They continue to report a debt that is XXXX years old as XXXX years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer actually no one helps the consumer. I refuse to allow them to report the same old debt for another 5 years. I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. I have contacted the debt collector Source Receivables Management asking for the validity of the debt from the original creditor XXXX on XX/XX/XXXX and I have yet to hear or receive anything from them.
Product: Credit reporting or other personal consumer reports

CapitalOne closed my credit card after XXXXdays of missed payments then proceeded to continue to charge the credit card interest and fees for XXXX months  after closure. My limit on the card was {$7500.00} which had not been exceeded before the company closed the account. After closing the account, an additional {$3000.00} dollars in interest and fees was applied to the outstanding balance and reported to the credit bureau as the amount owed. They also reported this amount on my spouses credit report when her name is not included on the account. I am going to seek legal action against capital one as after calling them multiple times, the customer service folks laughed in my face.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of accounts and inquiries on my credit report that are associated with a recent data breach. I have become a victim of identity theft, and the fraudulent accounts and inquiries listed below have been recorded on my report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these entries be removed to protect my personal information and credit profile. 
Accounts and Inquiries to Be Blocked and Deleted : Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX my husband and in-laws both received voicemails from a XXXX XXXX stating that she was trying to locate me and that I had a pending legal suit against me. my husband gave me the number that she had given as well as the filing number that was on the voicemail. I called the number and was told that they were XXXX  out of Georgia. I asked for some sort of verification of the debt and was told that that was evidence and they would not give it to me. I repeatedly asked for more information and they would not give me anything other than the amount due if I paid that day or the amount that I would have to pay if it goes to court. I was told that I could call the original creditor but they would just refer me to the collection agency that they used and that collection agency would refer me to a broker who would then refer me to another agency before I finally got back to them. I called back this morning and recorded the conversation. I asked who the plaintiff was and was told the plaintiff is them ( XXXX  ). that they own the debt now but that they are not a collection agency they only file the paperwork. I again requested a copy of the documentation and was told that the only documentation they can give me is a document stating that I had resolved it or documents stating I had made payment arrangements. That they would not give me any documentation pertaining to the original loan. I asked for the name and address of the firm as well as the name of the attorney that would be filing the complaint. I was told they don't have any attorneys on staff and that their name is XXXX  I was given a PO box of -XXXX XXXX XXXX XXXX California XXXX. When I asked for the full name of the company she refused to give it to me ( the lady I spoke with name was XXXX both days ). I asked what their role was in this situation and I was told that they are a legal proceedings office that they purchased the debt with the intent to sue so therefore they are not a collections agency.the phone number I was given as a contact for them was XXXX XXXX file number XXXX. The phone number that called my husband and my in-laws was XXXX
Product: Checking or savings account

They hold funds for four weeks after deposit. I deposited XX/XX/XXXXXXXX  and my funds wont be available until XX/XX/XXXXXXXX That is crazy and these were not the hold times stated when I first opened the account. 
Acct no. XXXX In addition I opened a youth account for a minor and after over 2 weeks they still havent sent the debit card keeping the funds hostage! 
Acct no. XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist ( please remove this account before I see litigation for defamation of character ) XXXX XXXX  balance {$21000.00}, XXXX balance {$13000.00}, XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXX {$3700.00}
Product: Debt collection

I was served through the City Court notice that XXXX was trying to collect a debt through law firm, Rausch, Strurm, Israel, Enerson , & Hornik, LLC. I corresponded with one of the lawyers, XXXX XXXX, about my debt via email. He decided the pay off would be {$500.00} dollars by XX/XX/2017. I paid the amount and I have proof it was cashed. I have contacted the firm, and put in a complaint. They have not responded.
Product: Mortgage

I recently closed on the sale of my property on XX/XX/XXXX. The 2nd installment of the property taxes were due on XX/XX/XXXX. Shellpoint Mortgage, using XXXX, took the funds out of my escrow account on XX/XX/XXXX to pay the taxes, however they were not paid to XXXX XXXX MN until XX/XX/XXXX. As a result, my title company needed to pay the taxes ( also ) to complete the sale of my house. They paid the taxes on XX/XX/XXXX. 
I reached out to Shellpoint on XX/XX/XXXX to initiate a refund of these funds, since their funds were received second, per XXXX XXXX MN process. 
-I called on XXXX and Shellpoint stated they had not received the funds yet. But they set me up for a text notification so that when they were received, I would be notified. 
-I called back on XX/XX/XXXX, as I checked XXXX XXXX XXXX website and saw that the refund was showing as having been completed and was told that the funds were received /by XXXX, however the funds were not applied to my account, and were 'missing. ' As a result, they could not issue a refund until they were 'found. ' -I called on XX/XX/XXXX and had to once again escalate the issue as the funds were still 'missing. ' -I called on XX/XX/XXXX and confirmed that the funds were located and applied to my account on XX/XX/XXXX and would be sent via ACH , via an escalation and I should have my funds in 1-3 business days. 
-I called on XX/XX/XXXX, as I still do not have funds in my bank account, was told that it is still pending and a complaint is being filed on my behalf with the company, but no time estimate can be given and per their records, it appears that funds were only received on XX/XX/XXXX. I reiterated that I want my funds released TODAY and that they have been sitting on these funds since XXXX, but they state there is no way to escalate further or ensure that my monies will be released to me by a specified time. I told them that at this point I am also filing a complaint with the CFPB, as this needs to be documented outside of just their company, but officially, and this needs to be resolved immediately.
Product: Checking or savings account

I have been ill for the past month. I have not had control of my finances. I have a checking account with Bank of America. I had some auto payments submitted and they were returned by the bank for lack of funds. I understand that I have to pay the overdraft fees, but B of A wants {$260.00}, when the fees total {$170.00}! Trying to contact someone in the bank 's corporate offices is impossible. You get transferred from one place to another. I am retired on Social Security and I ca n't afford these kind of mistakes. Please help!
Product: Credit card or prepaid card

XX/XX/2019, ,Went To One Of The Branches In XXXX XXXX NC , ,XXXX,, ( Down Town On XXXX XXXX, ,Try To Make A Transition To Receive A Cash Withdrawal Of XXXX XXXX My Card Was Declined ( Note ) I Do Have Overdraft Protection On My Bank Card , ,This Problem Have Happened Several Times Before, ,I Called One Of The Bankers And, Asked He What Happened, He Said Sometimes Through Overdraft Protection The Banker Would Let You Receive Cash And Sometimes They Don't, ,I Just Don't Understand this Problem That Keep Happening, ,Now I Do Have A ( _ {$200.00} ) Balance Right Now, ,But The Bank, ,Been Letting Me. Get Cash And Now My Bank Card Was Declined, ,That Is So UnAcceptable, ,If I Have This Service Feature On My Card I Should Be Able To Use It To My Discretion Too?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX