23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, and please investigate this. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Mortgage

My mother died in XXXX XXXX but XXXX XXXX XXXX forge my mothers name in XXXX XXXX, XXXX had it notarized and everything for a home loan modification. Soon as I saw the signature I knew it was n't my mothers and I knew it was fraud. And now they put my house in foreclosure and trying to foreclose on my house this is wrong this is a crime and this is against the law. Ditech financial is the mortgage service company.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed XXXX XXXX to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within XXXX days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX XXXX XXXX XXXX XXXX in XXXX Florida once this debt was paid off it would come off my credit report, as of this date it still remains on there. It was paid in full in the amount of XXXX on XX/XX/2018. That means it remains on my credit report for 7 years which is ridiculous, it was paid again in full, not settled in full but in full. That decreases my credit score when it comes to even getting car insurance, and 7 years is the going rate for XXXX XXXX in a number of states, I've went through this with another company before, they should not be permitted to do this.
Product: Checking or savings account

On XXXX XXXX I received a letter from Wells FargoBank indicating a charge for a deposited check was returned on XXXX XXXX I contacted the bank and spoke with a Wells Fargo representative informing them that I did not deposit a check and was informed that it was made via mobile deposit and that it was from a separate account that I am the primary over. I informed them that the only deposit I was aware of is a direct deposit I have set up but nothing outside of that and that someone must have accessed my account fraudulently and made a deposit and that I would like to receive a copy of the check so that I can file a police report.Upon receiving this check via mail on XXXX XXXX it verified the check amount of {$1500.00} and it had a fraudulent endorsement of my sons signature. I received another letter on XXXX XXXX stating the my accounts ending in XXXX and XXXX would be closed on XXXX XXXX. I am writing this complaint because I did not make these deposits and would like to have my accounts remain open because Ive been a member of Wells Fargo Bank for more than 20 years and this is a complete inconvenience and bad experience. I have contacted Wells Fargo Bank repeatedly to discuss this matter and was told it would not be resolved.
Product: Credit card or prepaid card

I opened a secured card three years ago was told if i kept my account and card in good standings for a period of one year that it would be revieved and would go to a regular card where i would get my deposit back and have a unsecured card I pay most of the time more than the limit and always pay early, also making sure that i never go over my limits. They do have a hire interest rate on a secured card and charge me XXXX dollars annual fee, i beleive that is why they hold people captive in this sceem and should be fully investigated, it is now going on three years and always same buul story when you call them, they say you where late, over limit. I have checked my credit report today and no over limits or lates and score XXXX for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was charged {$570.00} by a company called XXXX XXXX XXXX XXXX  I immediately recognized this as a charge we did not make. I called Barclays and they shut down our card and credited the account. A month later they sent a letter saying the charge was legit and put it back on the card. I appealed and appeal was denied. I asked for proof and they sent me photos of the three items. ( Socks, shorts, and slippers ) The company is supposed to be in XXXX but there is no website even though I was said to order online. I also have put XXXX of charges thru this card last 90 days and paid in full each billing cycle. I have tried to hire local attorney but no interest. I will not be paying this charge. Please help. This is a Barclays Aviator Mastercard. Their number is XXXX
Product: Prepaid card

Unknown-Unaccountable Charge Of {$12.00} : XXXX ) XXXX email balance alert shows {$3400.00}. 
XXXX ) XXXX email balance alert shows {$3400.00}. 
XXXX ) Email transaction alert charges ( all and only charges, verified by me to be all valid ) between weekly ( Sunday mornings ) email balance alerts received on XXXX and XXXX : XXXX ) XXXX XXXX  ( {$13.00} ) XXXX ) XXXX XXXX  ( {$10.00} ) XXXX ) XXXX XXXX  ( {$8.00} ) -- -- -- -- -- - XXXX ) Total : ( {$32.00} ) XXXX ) Total charge deducted as per only weekly email balance alerts = ( Line # XXXX ) - ( Line # XXXX ) = ( XXXX email balance alert ) - ( XXXX email balance alert ) = {$3400.00} - {$3400.00} = {$44.00}. 
XXXX ) There is an unknown/unaccountable charge of {$12.00} between : XXXX ) the difference between the weekly email balance alerts on XXXX and XXXX ( Line # XXXX ), and XXXX ) the total charges I've calculated for all email transaction alerts I've received between XXXX and XXXX ( Line # XXXX ) : ( Line # XXXX ) - ( Line # XXXX ) = {$44.00} - {$32.00} = {$12.00}. 
6 ) Where did this {$12.00} charge come from? Reconcile the discrepancy or credit {$12.00} back to my account. 
7 ) DO NOT call me ( to annoy me ), and do not send any paper mail ; send your responses electronically only via email!

8 ) I have been unable to log into KeyBank ( to get e-statements or anything else online ) ever since the first time trying years ago ; for some reason I always had to " reset all login credentials '' after each login credentials reset ; I refuse to have to constantly call XXXX  to reset the account ; XXXX is aware of this and they still can't fix the problem.
Product: Checking or savings account

Ally Bank effectively STOLE {$11000.00} from me! 
I tried depositing the check electronically. It was denied Ally claimed image was " blurry '' & I should try again with greater resolution. 
I did & check was rejected AGAIN. Ally claimed check had *already* been cashed. 

I contacted source & they looked into it : NO check had not been cashed & it should go thru normally. Problem was on Ally 's side. 

I called Ally & they kept saying " my problem '' " my issue '' etc, It sounded like they tried to cash check XXXX time, labelled it cashed WITHOUT giving me my funds & then DENIED me my funds again when I re-submitted it under their guidance. 

so they are basically BLOCKING my MONEY from me for NO REASON! 

btw, I don't know if they've classified it as cashed & no other bank will touch it or not. They gave me instructions on ow to jump thru MORE of their never ending hoops! 

If I go to anew bank, checks get a 10 day hold on new accounts, so another way Ally is separating me from my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed are fraudulent someone stole my social security card and photo id to open these fraudulent accounts in my name i am a victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I got a Chase XXXX XXXX card through a promotion on XXXX. Problem is, two months in a row, when trying to pay my balance using the Chase online system the first attempt is rejected. I can log in fine, but their system rejects my payment with a message stating that ( paraphrasing ) there is no balance due and I am unauthorized to make a payment. The balance on the card shows up in my account, but their system rejects a payment before interest is due. HOWEVER when I go back into my account and try a second time, I get a different screen that allows me to make a payment. This was not described as a feature of the card when it was promoted on XXXX. Consumers should be able to pay off a balance to avoid interest. This has been the traditional and customary way of credit. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is the accoun {$28000.00} Original balance {$19000.00} that TRANSUNION XXXX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report.

this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information.

( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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

sent ftc claim with the police report XXXX  and XXXX  took is off but of course XXXX  didn't b/c of their breach
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX & XX/XX/2018 I requested removal of two American Express accounts which I was an authorized user only and not a responsible party. The accounts listing on both XXXX & XXXX were removed ; however, despite 2 requests, XXXX denies my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan through XXXX XXXX  XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, XXXX XXXX and Equifax on XX/XX/ for validation. I also dispute with these companies online directly. These companies violated federal law 15 USC 1681 ( A ) ( 2 ) ( i ), 15 USC 1666 ( B ) and 15 USC 1692 ( G ). I also requested that these abusive, deceptive and unfair debt collections, charge offs and late payments are removed immediately.
Product: Credit card or prepaid card

My card is with Citi Bank and I paid it off in full on XXXX ( {$23000.00} ). On XX/XX/XXXX I got a text saying I had a late fee so I called them to see what was wrong as I had paid {$400.00} on XXXX and {$400.00} on XX/XX/XXXX. The rep said it was a late fee and interest so instead of arguing with her I paid {$37.00}. That night I looked at my previous and called them the next day to see why I was charged a late fee. They said it was because i paid early and it when against the previous bill. I said I was penalized for paying early?? and the rep said they would credit it back to my back account. Nothing was credited back and I tried calling a fee times and couldn't get through until XX/XX/XXXX or XXXX. I had to explain all over again and that rep said they would credit it back to my account and I should see it in my XXXX XXXX XXXXXXXX account by that Thursday or friday, XX/XX/XXXX or XXXX. Nothing has been credited back and I've tried to call and messenger then and can not get through. I waited over an hour on the phone yesterday XX/XX/XXXX and finally hung up. I would like this resolved but can't seem to get them to fix it. I've seen others complain about them also so I feel something needs to be done.
Product: Debt collection

On XX/XX/2017, I opened a XXXX account and switched Company 's since then but I was given a negative credit alert with a total of {$940.00}. I had contacted them at the time, a couple times, I changed Company 's and made arrangement to pay off the remaining balance. I was uniformed about my account as to what was going on since then. I didn't receive a notice. I have since moved from XXXX to XXXX.
Product: Debt collection

XX/XX/2013, {$25000.00}, I sent letters, id theft report.
Product: Vehicle loan or lease

The truck that got repossessed and reinstated, now the truck will not go out of park and now has no power at all.
Product: Credit reporting

I have credit monitoring services with several companies to be able to moniter my credit on a daily basis. I received an alert on last week regarding XXXX inquires that had been removed from my report by transunion. One week later Transunion reinserted those inquires and it caused my credit score to drop by XXXX points. I pride myself on maintaining good credit and having an XXXX credit score. I do n't know why Transunion is playing games with my credit report and score. They should not be able to remove and insert items at those items at their will. I would like for you to investigate and remove those items so that I can restore my credit score to what it was, which is XXXX before they played games with my credit report. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXXXXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX  XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts.

Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues.

I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Credit collections services added a negative item on my credit report in XX/XX/2022. They allege that it was from an overdue bill for auto insurance by XXXX XXXX  in the amount of {$250.00}. I never received any communications from them prior to the item being reported to the credit bureaus. I requested a removal but no success
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice multiple inquiries from the following companies on my credit XXXX XXXX ... .XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ... XX/XX/XXXX & XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  ... .XX/XX/XXXX XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I sent XXXX and Experian certified disputes that I attached to this complaint. Both agencies failed to thoroughly investigate the errors on my account : XXXX XXXX {$710.00} and XXXX XXXX {$7900.00}. So, on or about XX/XX/year>, I sent both agencies certified letters requesting a copy of their procedures used to investigate my disputes on XX/XX/year>, including the name, title, and contact information of the person at the creditor with whom you did the investigation. Both companies ignored my requests and did not send me a copy of their investigation procedures within 30 days. They left the XXXX errors on my credit reports which has effected me financially and emotionally.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX