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

I am writing to demand the immediate deletion of the XXXX XXXXXXXX XXXX XXXX account ( Account Number : XXXX ) from my credit report. According to your records, this account is listed as charged off, with an amount of {$470.00} written off and {$530.00} past due as of XX/XX/year>. 

Under 15 U.S.C. 1681e, the Fair Credit Reporting Act ( FCRA ) mandates that all information reported to consumer credit files must be accurate, complete, and verifiable. Additionally, 15 U.S.C. 1681i requires that when a consumer disputes an item on their credit report, the credit reporting agency must investigate the dispute and correct or delete any inaccurate or unverifiable information within XXXX  days. If you can not provide documentation verifying the charge-off and past-due amounts, you are legally obligated to delete this account. 

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement procedures to ensure maximum possible accuracy. I dispute the accuracy of this account and demand a full investigation. 

If you can not validate this information, I demand immediate deletion of the XXXX XXXXXXXX XXXX XXXX  account from my credit report. Failure to resolve this dispute within the XXXX statutory period will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) XXXX and the state attorney generals office for failure to comply with the FCRA. 

Please send me written confirmation of your actions regarding this matter within the required time frame.
Product: Debt collection

After over ten years of having my cellular phone service with XXXX, I ended the service with them XX/XX/2014 via landline phone. My account had a XXXX balance when I closed it. I kept my phone number and signed up with XXXX. XXXX did not close my account but instead charged me a " re-connect '' fee as well as an additional month of service. I have called them numerous times to dispute their unethical conduct, waited on " hold '' for over 20 minutes on some calls, all to no avail. It appears they outsource their service calls and ironically, there is a complete lack of communication. Since their recording says that the conversations will be recorded for " training purposes '', I have requested they review their recordings of our conversations as it would reveal that I have indeed requested the closure of the account when it had a XXXX balance. I had the collection removed from my credit report, only to find that the " collection '' has been sold to another agency and it is on my credit report once again. Although it is only {$120.00} it is the principle of the matter. I do not owe XXXX anything, but it is difficult to fight against this giant as a simple everyday consumer.
Product: Debt collection

On XX/XX/2021 I noticed some fraudulent activity on my credit report. I reached out to each company listed on my report to inform them that these accounts did not belong to me. I have gotten no cooperation from the credit bureaus in regards to this matter. In fact they erased my entire credit report and my score was a XXXX. I reached back out to the bureaus and I was instructed to submit a picture of my id and my ss card in which I did however these accounts have not been removed. XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX. I am asking for your assistance with getting these negative items deleted.
Product: Checking or savings account

I previously had membership with Navy Federal that was closed due to an issue with my membership validation. Now, I have the correct information to show my ability to be a member through my grandfather 's military service. When I called, Navy Federal said there was a security hold on my account. As such, I would need to complete an appeal form and submit it with proof of my grandfather 's service to the security department. I did that. After an initial review, I was told they would need me to send in a form updating my address and proof of my new address/identity in the form of my license and a bank statement. This was not a problem and was promptly sent.

To say that I have been given the runaround from Navy Federal and that their security and customer service are the most incompetent, rude and entitled group of people I have ever dealt with would be an understatement. I have been told my eligibility was confirmed, then I was told more paperwork was needed for eligibility, then I was told it was confirmed again. Then I was told by one rep there was never actually an eligibility issue ( which is why I was told they closed my accounts years ago ) and that I shouldn't have filed an appeal. But the next rep said I was correct to file an appeal. Then I was told the form to update my address would be processed first, then the security department would confirm my documents with the updated address ( i.e. ID/bank statement ). I called multiple times and multiple agents said they put notes so that it would be seen that the updated address needs to be processed first then the documents verified. I just got a message that the documents were rejected because they don't match the old address - because nobody ever updated it and they tried to verify it against the old information like they said they wouldn't. Tonight, when I tried to call the security department AGAIN, agent XXXX told me that they were closed. 

So at this point the bank is denying me an account, won't tell me why, won't confirm my eligibility is established and whether the paperwork submitted is sufficient, did not update my address, caused processing errors by trying to confirm an old address, and failed to explain any of the events logically. That I have to deal with this is appalling. That our military/veterans have to deal with this is disgusting. This is not a credit union, it is an unorganized dumpster. 

Let me be clear, while Navy Federal has been fined previously by the CFPB for their appalling business practices and they have learned nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

FORD XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/2023 They ran credit for an auto loan, I didnt request a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

i will like the following inquiries thats listed in this statement aswell as the the inquiries listed in my FTC REPORT deleted and removed from my credit report as these inquiries was not auothrized by me { XXXX  ) inquiry date ( XX/XX/2022 ) ( XXXX XXXX ) inquiry date ( XX/XX/2022 ) ... ... ... ......
Product: Credit reporting or other personal consumer reports

Department of Education/Nelet IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( third party from XXXX XXXX XXXX XXXX ) is on my credit report on false pretenses. According to Certified XXXX Audits I have obtained from all three companies state that my contracts were traded on the secondary market and the product/service was PAID the moment I signed the agreement. The companies listed above took those agreements and securitized them with the Federal Reserve. The above listed companies are committing Tax Evasion and Extortion according to the expert witness who conducted these certified audits.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged to the following items listed below that are showing on my credit report. I therefore request that you immediately remove/ block these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

I bought crypto-currency through PayPal a few months ago. For no reason and without ANY explanation, PayPal discontinued my account. I read through the User Agreements and didn't violate one single word of it. They informed me I have 180 days to withdraw money and transfer it. However, I do not want to sell my cryto investments, but they will not transfer it into another cyrpto wallet. They are forcing me to sell my investments when I do not want to sell right now. It's a violation of my ability to trade on the open market and forcing me into an action with my investment that I personally do not want to take.
Product: Money transfer, virtual currency, or money service

I deposited crypto and it was never credited to my account. I emailed them every day asking what happened to my deposit and they only respond by saying it's under " maintenance ''. After a week, I'm convinced they simply just stole my crypto assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old credit card account with First Progress from XXXX. In XXXX filed ChapterXXXX bankruptcy. First Progress was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. First Progress never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.
Product: Checking or savings account

I have a checking account at USAA. They have returned payments when my statement balance has been over the amount requested. They keep two ledgers, one with an " available balance '' and one with a " statement balance '' and play games with the timing of the deposits and payments each day in order to hold funds XXXX deposits XXXX and maximize fees ( take payments out at the end of the day, not when presented but after all other debit card transactions have gone through ). 

For instance, on XXXX/XXXX/XXXX I transferred {$1600.00} from an account at XXXX to my USAA checking account. The bank increased my statement balance by the full {$1600.00} on XXXX/XXXX/XXXX but increased my " available balance '' by only {$500.00} and " held '' {$1100.00}. This technique caused me to have multiple payments returned and fees charged. I checked my XXXX account and XXXX released the funds from my account and withdrew them on XXXX/XXXX/XXXX. As of today my money has still not cleared as of this day. i was told the {$1100.00} would be released on the XXXX ( 8 days later! ) and when I saw a notification of such I assumed that was the last day ... not the actual day as other banks usually give a timeframe. 

When I called the bank, they told me that the " account history '' determines whose funds get held and whose do not and they are released in " waves. '' I believe that USAA is discriminating between account members on the amount of time it takes to receive their money. I also believe this discrimination is directed at lower socioeconomic individuals who will have a harder time making payments with longer " hold times '' and lower balances. I believe this is an unscrupulous banking practice affecting our nations hero 's and targeting veterans and service members who may not have financial acumen as USAA is branded as a " military '' bank. 

I further suspect these " held '' funds are most likely held in an interest bearing account, where USAA makes a profit on the additional days ( short term and overnight interest ) it holds the funds and also gets to charge more overdraft and NSF fees because the account holder 's " available '' balance is now lowered for a longer period of time. The fact that I was told that the hold times are longer for " certain account holders '' shows that this is a discriminatory practice and targets those with lower balances and who have harder times making payments. By doing this, USAA is discriminating against some of its customers and also making money off of veterans and service members in an unscrupulous and predatory manner.
Product: Money transfer, virtual currency, or money service

I filed a complaint with you already # XXXX against Gemini Trust XXXX my name is XXXX XXXX XXXX XXXX ID on Gemini is XXXX Since my complaint, GEMINI sent me instructions to move my crypto to another wallet, but their instructions are totally contrary to the restrictions they have put on my account. 

someone named XXXX keeps sending me instructions but I run into account restrictions everytime please help me I am despondant I spend {$11000.00} on XXXX units of XXXX XXXX USD. I have missed many chances to sell the coin because of blocked account
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems posted a collection on my credit report for a medical bill that belongs to my daughter who is XXXX yrs old. I carry insurance on my daughter, but do NOT sign to be responsible for her bills in any way. I have called the company and asked them to remove this as it was not mine or to provide me proof that I signed a responsible party paper at the time of the dr visit - they cant or wont do either one. I have disputed with XXXX  3 times as well as called, begging them to help me take it off as it is not my bill & has dropped my credit score by 17 points! I realize its only {$31.00}, but this is NOT MY BILL to pay and should NOT be on my credit report.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Debt collection

My credit report alert went off today saying that I owed a payday loan for {$340.00} to XXXX XXXX XXXX who ever the XXXX that is that took place on XX/XX/2016 I have no idea what Midwest Recovery Systems is talking about. In 2016 around at that time I purchased a new truck with no down payment and a townhouse I had no money problems in to 2016 and still don't. If you check my credit report I am at a 100 % at paying my bills on time one thing I ain't going to do is borrow money from a payday loan or anyone else. You have the wrong person someone might have used my information with out my knowledge things like that happen but it wasn't me. If you continue to harass me on something I didn't do I will file a civil suit against your company ( Midwest Recovery Systems ).
Product: Credit reporting or other personal consumer reports

Im making a statement Any loan from any financial institution/ organization the company or institution must inform the consumer of their rights. Under the Gramm Leach Bailey Act I the consumer XXXX XXXX have the right to Opt Out of getting my non-public personal information shared with non affiliated parties. Non affiliated third parties such as The Credit Bureaus XXXX, XXXX, and XXXX. This is a violation of my rights by not providing me my Opt-out Disclosure. As a consumer I have the right to privacy and also have the right to opt out of getting non public personal information to non affiliated third parties. Federal Student Aid NelNet is in violation of my rights.
Product: Mortgage

I would like your help to get me a check for approximately {$440.00} from Paymap, Inc that I am entitled to as the result of an agreement with CFPB settlement. 
The 'Equity Accelerator Program/Paymap, Inc ' the XXXX uses to service my mortgage payment recently settled a claim with the CFPB, and I was notified that I was to receive a check. The letter I received on XX/XX/XXXX was dated XX/XX/XXXX, and states that the final day to have a check reissued is XX/XX/XXXX. Since I had received no prior correspondence, and not received a check, the XXXX letter was telling me that I was entitled to a check, but that I was too late to request one. 
I contacted the HELP phone number on the ( attached ) letter, and was told by operator XXXX that they could not help. I spoke with manager XXXX and was told this would be handled by 'corporate ', and was given a fax number and an address. I faxed and mailed a letter, and have still had not response. ( certified mail receipt and fax confirmation attached ). 
I contacted the same HELP number provided on XX/XX/XXXX and operator XXXX told me that my letter had been received according to my account notes, and that 'corporate ' is handling the matter, and that he could not help me or inform me. 
I received a reply on XX/XX/XXXX that said the case was closed. 
The HELP number is no longer in service. 
It seems very unfair to me and inappropriate that I receive a letter long after the closure date telling me of my entitlement, and odd that I had no other check or notification. 
Please help.
Product: Checking or savings account

I opened a bank account with citibank on XX/XX/XXXX and on XX/XX/XXXX I tried to withdraw my money and they locked my account I called the bank spoke to a teller and a supervisor account and they told me that I was not able to have access to my account because its locked and they couldnt verify my identity without me having card or account number. So they told me I needed to wait for me to receive card in mail. On XX/XX/XXXX I received card in mail I called to activate card and it said I wasnt able to that its locked. I called bank on XX/XX/XXXX and spoke to a teller and a account supervisor and they told me now that I still cant access my bank account or the money being withheld in that account because I need the account number. I explained that the account is new and the account has locked me out so Im not able to see account number. They refused to assist me I have provided my social, address, phone number, card number as requested first time, I provided email and they refuse to allow me access to the account and I have money inside that account. They basically said there is nothing they can do and hung up on my call.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$530.00} XXXX XXXX  XXXX with a balance of {$560.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$720.00} XXXX XXXX XXXXXXXX with a balance of {$750.00} XXXX XXXXXXXX XXXX XXXXXXXX with a balance of {$550.00} XXXX XXXX XXXX with a balance of {$560.00} XXXXXXXX XXXX XXXX XXXX with a balance of {$200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX with a balance of {$120.00} XXXX V XXXX with a balance of {$450.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$710.00} XXXX XXXX XXXX  XXXX with a balance of {$340.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$630.00} XXXX & XXXX XXXX with a balance of {$480.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$210.00} XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multi ple 609 letters to get these two collections removed. I have also called and disputed these accounts online and   XXXX   nor Equifax will remove the negative accounts. These two negative accounts have been off my  XXXX  credit report for over two months and I have told   XXXX   and Equifax that but they wo n't budge and remo ve them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots  XXXX   XXXX   XXXX  and my   XXXX    app both show no negative accounts open.