23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a closed account from XXXX XXXX XXXX listed on my credit report as a closed account with late payments, as per the Fair Credit Reporting Act ( FCRA ). This account has been turned over to an attorney. I am actively making payments towards this debt, and have been every month since XXXX of 2023 when the account was turned over to Attorney law office XXXX XXXX XXXX of XXXX Ohio. 

Under Section 1681i of the FCRA, consumers have the right to dispute any inaccurate or unverifiable information in their credit reports. Given that this account is closed and I am taking steps to resolve the outstanding balance, I believe its continued presence on my report is not reflective of my current financial responsibility.

Additionally, under Section 605 of the FCRA, accounts that are paid or settled may be removed from a credit report after a certain period. I kindly request that you review my situation and consider the removal of this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Retailers who others put in their business permits and ran raido and media and accounts who frauded back my documents stack. A I have two boat captain in my documents stack. Others in Florida frauding my documents and as boat 's and marina permits frauding back USA XXXX XXXX accadamy of XXXX XXXX Indiana. 

Frauding scams frauding my brother documents of XXXX XXXX XXXX XXXX XXXX Indiana birth certificate of XXXX XXXX XXXX later changed in early XX/XX/XXXX to XXXX XXXX XXXX then thru my mom 's 2nd marriage to XXXX XXXX it was changed to XXXX XXXX XXXX XXXX Then others frauded boat captain of XXXX XXXX XXXX of XXXX county Indiana and his mom of XXXX XXXX XXXX XXXX of XXXX county Indiana who is XXXX. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are registered through XXXX  XXXX Indiana USA XXXX XXXX accadamy as XXXX XXXX through power squadern. 

Small water craft Then myself after boating for 20 years with boat captain was a first mate declared by others boat captains My XXXX birth certificate of XXXX county Indiana my legal father of my Mom first husband of XXXX XXXX XXXX his was was prior USA XXXX I XXXX XXXX XXXX XXXX XXXX prior USA XXXX My brother of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Prior USA XXXX XXXX XXXX sister marriage to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX   county Indiana XXXX XXXX was prior USA XXXX My mom 's 3rd Husband of XXXX XXXX XXXX was prior USA XXXX You have a 50 states grocery store and diners menus and shopping malls locations and shopping malls and other herds and others boat scams and business permits and schools and colleges and internet herds listings scams and realistate business and banking permits and auto stores and land development hooked up on my documents hooked up against USA XXXX XXXX documents and verterns documents Federal and state not authorized
Product: Credit card or prepaid card

Capital one has charged excessive fees on my credit card account in excess of {$500.00}.
Product: Bank account or service

I had to transfer money into my US Bank Account for a loan I amclosing with the Bank in XXXX 2015. 
I was charged a wire fee of {$16.00} for this on my checking accountand I have asked for this to be reversed. 
US Bank is refusing to do it.
Product: Debt collection

I filed a XXXX complaint against XXXX XXXX on XX/XX/2019. They responded and stated that the account will be removed from my credit file. I received a recent credit report and the account is still reporting negatively. I am asking if and when the account will be removed from my credit file. 

**I have attached a copy of the XXXX report showing that XXXX XXXX agreed to remove the account**
Product: Credit reporting or other personal consumer reports

My credit report includes unapproved hard inquiries, contrary to 15 USC 16c-2. These are incorrect and negatively impacting my credit. Please remove them without delay.
Product: Credit reporting or other personal consumer reports

I recognize on my consumer report unauthorized fraudulent inquiries, and I would like for it to be removed immediately.
Product: Vehicle loan or lease

According to the FDCPA 15 USC 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Taking or threatening to take any non judicial action to effect dispossession or disablement of property if - ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property or disablement,,,, By not following those simple rules they have VIOLATED my federal consumer rights. Also a collection account written off is likely referring to accounts receivables that a company deemed to be uncollectible and are removed from the general ledger account. Therefore, there will be no amount left to pay any of the {$18000.00} that I allegedly owe to the company. The company wrote off the uncollectible account by crediting Account receivables for {$18000.00}. So stating those facts the IRS states that income shouldnt be report to a federal consumers report, and should request 1099c form.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached in the Equifax hack of XX/XX/XXXX. I first became aware of the problem near the beginning of XX/XX/XXXX. Equifax apparently had insufficient data protection safeguards in place and as a result my personal credit information along with approximately 143 million other Americans ' credit histories have been compromised
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

we have a morgage with Ocwen and this company transfered or bought a company which is now taking over our account they are XXXX XXXX  they have been working on this over a month now. my payment was du on the XXXX of XXXX and it was supposed to be drafted from my bank, it has not I have called XXXX and the said they will be drafting it but never say when and they told me thatwe have up to six months to be updated without incurring any extra fees but I am worried because next month is coming and now I will have two month statements due and what if they take longer where am I gon na get the money? i have called several time and they offer no remedy so that I can get current all I want is to be able to access my account and pay my bills on time which they are not making it possible for me to do so, and OCwen did this before and it put us on a bind because of the same matter we had to come up with two month at once and a start up fee when they also changed to another account manager about four years ago if I am not mistaken on the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unsure of how my credit keeps getting pulled. All Creditors should be calling me at XXXX to verify Im applying for credit!! I keep getting Alert saying someone apply for credit in my name. Im also getting alerts saying my email and personal information has been Compromise XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please see attached FTC report and Delete information from my credit file.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see accounts that dont belong to me. I always check my report and have never had this issue, but now there are errors out of nowhere. I even refreshed my browser, thinking maybe it was just a glitch, but that didnt help. The wrong accounts are still there. XXXX pleading for my submitted documents to be properly reviewed so I dont have to worry about this kind of mistake happening again.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your office about my situation as an identity theft victim, but my concerns remain unresolved. I am once again contesting the fraudulent information damaging my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

Since Wednesday XX/XX/year> capital one has been withholding my direct deposit from my work. And I can not afford to eat, or pay my bills. They are blaming a third party vendor yet have not named said vendor.
Product: Vehicle loan or lease

Around XXXX XXXX I called US bank because i noticed that 3 of my payments was not applied correctly in XXXX of 2022. My account was paid ahead until XX/XX/2022 and I called US bank to make them aware that my payments in XXXX of 2022 did not apply correctly- all of them went towards principal but then showed I had an interest payment due. I was making XXXX dollar payments every 2 weeks and about XXXX dollars would go to interest and the remaining to my principal balance. I spoke to a representative who advised they can submit a request to reapply those payments so that they apply correctly. I logged on a few days after the request and it showed I had a XXXX dollar payment due for XX/XX/2022. That shouldnt of been correct but I let it be as I had another XXXX payment drafting on XX/XX/XXXX- which would of paid the XXXX and then paid account ahead. I logged on after the XX/XX/XXXX payment and it was showing I was behind a day and owed XXXX dollars. I called back US bank and the first representative stated they would review my account but then transferred me without telling me. I am frustrated as my payments are not being applied correctly and feel as if US bank is stealing my money
Product: Debt collection

Repeated calls, during all hours. Up to 4 times a day.
Product: Credit reporting or other personal consumer reports

The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by XXXX, Equifax and XXXX.
Product: Mortgage

I applied for a loan modification and was denied, so SPS offered me a short sale and I accepted that option ... I put that house up for sale and received an offer. The house is in very bad condition and needs a lot of work. We submitted the offer to SPS who did their own BPO and countered the offer at XXXX mil which everyone believes is too high ... .so we asked SPS to review their BPO appraisal..they sent us an appraisal from 2010 by mistake... so we then asked for a copy again..which they eventually sent ; so I called the bank and asked to appeal this BPO... the rep said..sorry its too late and now I am no longer eligible for any help... .we could have appealed on time if they sent the correct appraisal..wed like to just finish the short sale please
Product: Money transfer, virtual currency, or money service

Dear CFPB, Could you please help me shed some light on the following issue? 

I've transferred XXXX USD from XXXX, XXXX ( XXXX ) to my wife 's account in XXXX XXXX (, XXXX ( XXXX ) on XXXX. The XXXX bank in chain was BNY Mellon ( XXXX ). 

The XXXX XXXX rejected my money on XXXX, due to XXXX  invasion and possible sanctions, but money stuck in XXXX. 

I made request to XXXX and they responded that they don't see these money as blocked. 
I've tried to contact BNY Mellon directly, but they said that I'm not their customer. 
XXXX is disconnected from XXXX from XXXX I'm looking for a way to contact BNY Mellon and get this money transferred to my account in another country, because we have relocated and this will help us a lot. 
Thanks in advance for your help or any information.
Product: Debt collection

I declare under penalty of perjury ( under the laws of United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and Willful misstatements or omissions of material facts A FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Product: Vehicle loan or lease

I found a fraudulent credit inquiry in my name for Carvana on XX/XX/XXXX. I have tried contacting them through phone and their online chat service, none were able to assist and they could not find the inquiry despite it showing on my credit reports. No auto loan has shown on my credit history, but I want to ensure if a loan was taken out on a vehicle and a vehicle was purchased, that it is closed because of this fraudulent activity.
Product: Debt collection

I am writing to delete incorrect inquiries from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.
Product: Credit reporting or other personal consumer reports

This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

nsert account number ] Dear XXXX, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt. as required under the Fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt.

I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt. Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law.

I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer. 
Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/22 I noticed {$1000.00} of unauthorized charges on my checking account that XXXX negligently did not notify me or stop. Called Fraud Department on XX/XX/22 representative Didnt get all charges and only issued a new card and has the nerve to ask me if I want to pay XXXX $ to have it expedited after this account has basically just been cleared out. I Went to a branch on XX/XX/22 to check for an update and get answers no remorse or answer as to me on why they allowed {$54.00} to go threw XXXX times! And I was told I must wait XXXX Buisiness days to get a provisional credit This is completely unacceptable! And they claim state of the art fraud alerts thats bull. And now I still have not gotten my money back as of XX/XX/22 I called again and was told there is nothing that can be done I have to wait XXXX more days until I see the credit. I will Be closing all my accounts and never use XXXX again. They are XXXX years behind in features dont care about account security and let Fraud happen. Rude agents on the phone and employees at the branchs dont care and have bad attitudes most of the time if you have to call them for any reason expect to be on hold for at least a half hour on a good day just to be told you have to be transferred and you will get a outsourced person the first time that speaks broken English. GIVE ME BACK MY MONEY YOU LET ME STOLEN FROM ME! I have bills to pay!! I can not buy food for me XXXX and XXXX and now will be late on my rent and have to pay fees for the banks negligence! I will also be contacting a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 45 days, and I have not been notified or updated of the status or results of my investigation.
Product: Credit card

I submitted an overpayment of {$4600.00} to Chase MileagePlus due to a BillPay error. The overpayment posted on XXXX XXXX 2015. Subsequent to the overpayment, I contacted the Customer Service number associated with Chase MileagePlus on XXXX XXXX and asked that the credit on the account be refunded to me. On XXXX XXXX, Chase MileagePlus issued a check to arrive within 7 - 10 business days. After 5 business days had elapsed, I contacted Chase to determine the status of my return of excess funds. I was told to wait the full XXXX business days before contacting Chase again. On XXXX XXXX, I contacted Chase MileagePlus Customer Care again to determine the status of the refund check. At this point, the Chase Customer Service representative I spoke with advised me that the check should have arrived within a few days of issue due to the proximity between their check printing office in the XXXX and XXXX. The Chase representative advised me that a Stop Payment should be placed on the check and the refund could then be processed via EFT within a couple of business days. On XXXX XXXX, I contacted Chase Payment Services to determine the status of the Stop Payment and was told that it would take 7-10 business days for the Stop Payment to be processed before a XXXX refund check could be issued. I advised the Chase Customer Care staff that this is unacceptable and asked what other solutions existed. The account manager XXXX XXXX advised me that no other solutions were available despite being advised of the conflicting guidance of multiple customer service representatives I spoke with. As I am sure the CFPB is aware, JP Morgan Chase has multiple options at its disposal to rectify this situation, which it is choosing not to deploy despite taking in excess of 30 days to refund a {$4000.00} overpayment. Most Americans would not be able to juggle such a balance in transit without considerable cost and hardship. This type of behavior is unacceptable on a number of different levels for customers who are attempting to maintain clean, solid credit histories and are asked to provide payments on-time regardless of mail service issues. Yet, credit card companies such as Chase do not hold themselves to these same standards.
Product: Payday loan, title loan, or personal loan

Trying to link my cash advance app ( XXXX ) to my account but PNC, my bank wont allow it
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX XXXX am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,