23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

They drafted a double payment from my account. I called the day it cleared and asked how to get the payment refunded. I spoke to employee XXXX and he told me that my bank needed to send in proof showing it was drafted twice with the trace numbers. I immediately called the bank and it was sent the same day. He said the payment would be returned within 48 hours. I called back when the payment wasnt returned and spoke to employee XXXX who stated that it takes 5 days and I would receive it by Tuesday XX/XX/ which was after XXXX and this money was to buy my kids XXXX. So today XX/XX/ I called back and spoke to employee XXXX who stated that nothing was revenge on the bank even though employee XXXX said it was and that it needed to be refaxed and it would be 5 more days before I receive the refund. This is a large amount of money and they are messing a lot of things up for me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the unverified negative accounts and identity theft cases placed in my credit report. Please help me look into this because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.
Product: Credit card

On XX/XX/year> i was at a u s bank atm. The money did not dispense out of a t m please dispute a t m dispense error. It was authorized, but the money did not dispense out of amt for {$360.00} please dispute this the dispense errow
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, IL XX/XX/2021 XXXX/XXXX  XXXX Balance : {$1400.00}
Product: Debt collection

am writing to formally lodge a complaint regarding a fraudulent account that has been reported to Experian, one of the major credit bureaus. The account in question, bearing the account number XXXX, has been listed as a collection account, despite the fact that I have never had any association or involvement with it. 

I recently discovered this account 's existence when reviewing my credit report from Experian. The account details listed on the report are as follows : Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX Balance : {$3100.00} No. of Months ( terms ) : - - High Credit : {$3100.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : - ( This account is not mine ) I must emphasize that this account does not belong to me, and I am a victim of identity theft. As such, I demand an immediate investigation into this matter to rectify the fraudulent account and remove it from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I intend to exercise them to ensure a fair and accurate representation of my credit history. 

Furthermore, I have taken the necessary steps to report this identity theft to the local law enforcement agency. I have filed a police report with [ Name of Police Department ] under the reference number [ Police Report Number ]. Enclosed with this letter, you will find a copy of the police report for your reference and records.

Case law supports the responsibility of credit bureaus to investigate and rectify fraudulent accounts. For your reference, I would like to highlight the following relevant case : [ Provide the details of the case, including the name, citation, and key points that support your position. ] In light of the aforementioned case and the evident discrepancy between the reported account and my personal financial records, I insist that Experian undertakes the following actions : Conduct a thorough investigation into the fraudulent account [ Account XXXX : XXXX ] and its associated details. 

Provide me with a written response acknowledging the fraudulent nature of the account and your commitment to rectifying the situation promptly. 

Take immediate steps to remove the fraudulent account from my credit report and update my credit history accordingly. 

Provide written confirmation, within [ reasonable timeframe ], that the fraudulent account has been completely removed from my credit report. 

Failure to comply with these demands will leave me with no choice but to escalate this matter further. I am prepared to exercise my rights under the FCRA and explore legal remedies to seek redress for the damage caused by this identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  I have listed the following : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States consumer reporting agency can not furnish without my written instructions
Product: Money transfer, virtual currency, or money service

Hello PayPal closed my two accounts for my personal and business due to their mistakes. I have not been able to get resolution to this issue. We first submitted our beneficial owners account for review as requested back in XXXX and due to a website glitch on their end, they did not recognize that we had submitted it even though we have messages confirming we submitted it. We then, were limited because they said we had not submitted beneficial owners information. We then used my AP paypal account to handle while PayPal tried to rectify the issue. They then closed that account for circumventing their restrictions. Even though we were told it was ok and was an issue on their end. Additionally, in XXXX they limited out account for review and we submitted all requested information and they had a multitude of issues verifying tracking. We then finally got a to a manager and realized that we were using freight companies that they could not verify our account. We got that resolved but they unilaterally held over XXXX for 4 weeks due to their mistake. We then had our account limited on Wednesday after finally getting the funds released last week and paying and ordering a lot of items. We think that any issues we have had were directly caused by Paypal and the damages are incredible. No one has been able to help and now they closed our accounts and are holding funds. This is incredibly unfair to us and their clients. Please kindly help. my emails associated with this are XXXX and XXXX Thank you
Product: Mortgage

Sent money and a letter to pay off my principal balance and they did not apply the money as directed. They deducted my monthly payment out and applied the remaining balance of the amount I sent. This left us with a balance due. I have been trying to get this fixed since the end of XX/XX/XXXX when they applied the money as they felt like not as they were directed. Called lender to get payoff {$11000.00}. Sent {$11000.00}. If you look at the Transaction Activity on the statement due XX/XX/19 you will see what they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

CREDIT COLLECTION SERVIC : Phone : ( XXXX ) XXXX XXXX This is listed on all my credit reports. The phone number listed does not work. I've filed several disputes about this collection. The reporting agencies don't respond to my concern. Instead they decide that the account belongs to me.
Product: Mortgage

I had set up my mortgage on auto-pay as I knew work and the holidays would be crazy. However, it slipped my mind. So when the XX/XX/XXXX bill came in, I paid it online. There was no notation on the bill, or warning on the home or payment page that our loan was on auto-pay. This seems very irresponsible of a company to not warn customers a payment has already been made and a warning of overpaying, especially when it is a significant amount - it is misleading and an incorrect representation of the account. Our auto loan and credit cards companies provide the notifications, so how are they not held to the same standard?
Product: Debt collection

I am working with a debt modification program through XXXX XXXX XXXX  and following the protocol I was given. Capital One has no received a payment directly through me since it will now go through XXXX XXXX. They have called me every single day, multiple times a day and I have had to block them on my cell phone. They have now started calling my job ( Starting on XX/XX/21 ). I informed the representative that I am a part of a debt modification program and to never call my place of business ever again and that all future correspondence on my behalf needs to be directed to XXXX XXXX XXXX and I provided them with the phone number. He said " Thanks '' and hung up. They have now called me every day since. Today XX/XX/21 I received a call from a woman from Capital One and I told her the same thing. This is getting extremely stressful and very unprofessional.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my XXXX XXXX long ago. I am a victim of identity theft. I have obtained a copy of my XXXX XXXX with EXPERIAN.COM and there are multiple accounts reporting to my XXXX XXXX that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my XXXX, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am using USBank ReliaCard for unemployment insurance and have received a notification that I have funds available. However, I have been unable to withdraw or spend the money, and I have not been able to reach a representative from USBank to help me. When attempting to register the card on their website, I was locked out of my account despite providing the correct information. I have used this card in the past with no issues. 

Money was loaded on XXXX, I attempted to make transactions on XXXX, as well as contacting the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureaus asking them to investigate some WRONG accounts that they are reporting on my credit report. It happens that a few days ago I came back and I see that the accounts have not yet been removed from my credit report and the credit bureaus did not even deign to answer my disputes. Where are my rights? They are violating them, and their customer service is terrible when you try to get answers on the phone with them, they definitely do what they want with consumers and nobody protects us. That is why I am submitting this complaint with you in the hope that you will listen to my complaints.
Product: Debt collection

I have repeatedly disputed the collection account for NCA, requesting verification of debt ( VOD ) and supporting documentation. Despite my efforts, I have never received any paperwork or information regarding this account and have no knowledge of its origin. Each time I dispute, no additional information is provided, which prevents me from addressing potential fraudulent transactions. It has been over two years since my initial request, and I have fulfilled my responsibility in seeking this documentation. This situation is unacceptable, and I request that this account be removed from all credit reporting immediately.
Product: Debt collection

In XXXX Collection Bureau of America ( CBA ) filed a delinquent XXXX XXXX XXXX XXXX against all credit bureaus on my credit. In the amount of {$600.00} that was owed to XXXX XXXX XXXX XXXX XXXX. Claiming that they were the owners of this collection as of XXXX. One of my question to them, were if you had this account for six years why haven't you I had any communication or correspondence from your company. The person could not answer the question, nor did he have a answer for my current address or phone number. However he stated they had been sending correspondence to XXXX XXXX XXXX a address I have never resided. I reached out to CBA informing them of that I have never lived at this property and-my identity had been stolen. I also requested a copy of this alleged bill. To date I have not received the alleged delinquent bill. It's very clear they have ignored The Fair Credit Reporting Act ( FCRA ) a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. If they do not removed the delinquent account from my credit reports I will take them to XXXX court. ( I was unaware of their attempts to reach, I contacted them once I saw the negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account showing on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They are sending my information to credit bureau XXXX and XXXX it is not a loan they are saying trying to collect debt and when i called my health care provider they told me all my hospital expenses where paid and when i called the hospital nothing is showing that i owe anything,, i have not received any statements but now they are putting a collection notice on my credit bureau ... as of this were a loan ... this is not legal ... and i do not know how they can do this ... i do not owe any debt to LJ ROSS AND ASSOC XXXX MI ... XXXX XXXX XXXX ... please help thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX XXXX  Acct # XXXX XXXX  committed fraud with regards to a predatory auto loan for which XXXX XXXX that it voluntary abandoned our interest in the Vehicle but failed to notify consumer of this action which essentially breached the original contract. Vehicle was purchased with the understanding that XXXX owned a clear title for the vehicle but once XXXX voluntary to abandon interest which would include financial interest, contract was null and void. Clearly XXXX was notified in time to repossess the vehicle but voluntarily decided not to proceed. XXXX instead failed to notify consumer and fraudulently accepted payments from consumer for a vehicle that XXXX no longer owned the title for and thus voluntarily gave up financial interest in the vehicle. 

This action is beyond fraudulent and predatory loan territory but intentionally guided to cause financial harm to the consumer and violation of consumers right under FCRA and FDCPA laws. 

XXXX determined that the value of the vehicle was not worth pursuing with regards to mechanics lien but yet wants to fraudulently hold consumer to loan value of the vehicle in violation of consumer rights under FCRA and FDCPA. 
These fraudulent acts committed by XXXX and violations of FCRA and FDCPA laws constitute immediate deletion of this account ( acct # XXXX ) from consumer credit report file and cease and desist of all actions with regards to this account. Moreover, any reporting agency must cease and desist reporting fraudulent account information in violation of consumer rights under FCRA and FDCPA or be held financially liable for all damages. 

Finally, XXXX has been suppressing this exculpatory evidence for years in an effort to cause further harm to the consumer, thus consumer demand this account be deleted within in XXXX calendar days of receipt of this CFPB complaint ( NO EXTENSION ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00}
Product: Credit reporting or other personal consumer reports

Capital one scent me a letter on the XXXX saying that they scent over to all 3 credit company that my stuff current owe XXXX balances no monthly payments don't owe XXXX but they lied. Capital one still reporting inaccurate information to all 3 credit company 's 2 credit still got me 90days119days late and XXXX on them on the other one Capital one reporting still 90days late when I'm current on them they don't have my payment history boxes checked for XXXX and XXXX they got my credit score low Capital one got there money there payments and won't fixed it in all 3 credit company that letter Capital one scent me they didn't correctly what they said in the letter that they reported. Capital one still reporting false information to the 3credit company why so hard for Capital one to report accuracy information to the 3credit company
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XX/XX/XXXX are reporting incorrectly a collection/chargeoff in the amount of {$16000.00} on the XX/XX/XXXXpartial account number XXXX. ( Please see page attached from my credit report. ) This account balance is incorrect. I had GAP insurance at the time and the liability insurance paid off any remaining balance due. ( Please see verification of GAP insurance documents attached for reference. ) This account should be reporting a {$0.00} balance and not be reporting as a collection/chargeoff. I have made numerous calls and inquiries to XXXX XXXX to send me an accurate accounting to date. Each representative I have spoken with assured me they would send me my account history and any current information they have on file. They have never reached out to me either by telephone ; email or written correspondence to date. I have contacted the bureaus as well to fix this incorrect reporting however, I have not been successful. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report.