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

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this XXXX account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed a number of inquiries that is on my Experian credit profile. These inquiries were not obtained by any company that I gave permission to check my credit report to. I did not authorize any third-party company to give my information to these companies to request a credit report or a viewing of my credit portfolio. Nevertheless experience came back with a blanket answer stating that they had factual proof that these companies were allowed to obtain my report. Experian did no such investigation only gave a blank an answer to a problem rather than addressing the potential identity fraud that couldve occurred. Their response furthers in my opinion a reason for a more intense investigation into their practices. You cant simply allow someone to obtain a credit report illegally and then give a blanket excuse of it couldve been a third-party company and not even investigate it. It makes me think Experian knowingly sold my information to companies without my permission. Its actually the only thing that makes sense since they dont even wan na look into it and correct the fraudulent viewing of my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed a civil public record showing on my credit report due to wrong reporting and inaccuracies, under the ( FRCA ) reporting agency, Starting onXX/XX/XXXX, the XXXX major credit reporting companies - Equifax,XX/XX/XXXX andXX/XX/XXXX - will change the their rules for the types of public records they collect. In the future, all items on the credit report will be required to contain the subject 's name, address and Social Security number of date of birth. Entries without this information will be deleted. The most obvious effect will come in the removal of tax lien records and civil judgments from many reports. About half of all tax lien records and almost all of civil judgments for inclusion on credit reports and will therefore be removed. Tax liens comes from unpaid state or federal tax bills ; civil judgments come from lawsuits related to old debt, unpaid child support, evictions or other non-criminal debts. Inclusion of either type of records negatively affect someone 's credit score. will be invalid effective XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2018 I called my Bank CHASE to ask regarding the impact my pending transactions would have on my available balance displayed on the Bank App. I was told my pending transactions were already deducted from my account and even though the transactions show as pending they had already been debited from my balance. On XX/XX/2018 I checked my account balance on the App, to which my surprise was overdrawn. I proceeded to call the bank as I spoke to 2 different representatives and one supervisor I was given a different answer regarding pending transactions. Once you pay for services the bank takes the money out for the merchant to charge and even though the transactions show as pending If the merchant does not take the money out within 3 days the bank will put the money back into the account and the merchant is free to charge any time is convenient to them. Every time I have called including today XX/XX/2018, I have been giving different information and I was that even when is not technically my fault the bank will still charge a total of {$35.00} per transaction and the bank has only accepted to reverse one fee and will not reverse 2 more fees of {$35.00} each. The bank has charged multiple times for transactions that were charged by the merchants on the same dates XX/XX/2018. The bank representatives and supervisors I have spoken todo accept I am not at fault for these misinformation that has caused my account to be overdrawn but as I was told by the last supervisor " She couldn't do anything for me, that I should manually calculate my transaction. And that she was limited to do find a solution for this issue ''. The last supervisor I spoke to sent an email and my phone number to the previous supervisor I spoke to but she did not receive a response. I have been a customer of the bank for years and this has become a recent issue with my account which I have always kept with a good standing balance, not long ago I was also an employee at this financial institution and several customers would visit the branch to complaint about this very same situation. A lot of information is not being disclosed to the customers and money is being taken from accounts without previous warnings. 
I have also experienced not receiving cellphone alerts, delayed or no alerts whatsoever even though I have signed up for those alerts. Please help me resolve this situation. 
Best Regards, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously notified, I am a victim of identity theft. I have sent in numerous complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters to the credit bureaus : XXXX, XXXX  and Experian bur they don't update the informations on my credit report, and don't remove things that I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan Servicing i paid in XXXX Fed loan is not reporting correct as the virus effected accounts with fed loan. i have paid all payments on time. I have not had late payments
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information.

The accounts in question : 1. Account Name : XXXX, INC Date Listed : XXXX XXXX, 2024 2. Account Name : XXXX XXXX XXXXXXXX Date Listed : XXXX XXXX, 2024 3. Account Name : XXXX XXXX Date Listed : XX/XX/year> XXXX Account Name : XXXX Date Listed : XX/XX/year> XXXX. Account Name : XXXX Date Listed : XX/XX/year> XXXX. Account Name : XXXX Date Listed : XX/XX/year> These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS. I have not received a 1099-C form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a 1099-C form may constitute non-compliance, which I have the right to report to the IRS.

I formally demand the following actions : Provision of the 1099-C Form If these debts were charged off or written off, provide copies of the 1099-C forms for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity. 

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA.

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements. 

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX
Product: Debt collection

I'm getting numerous of calls from this company thru out the day and they aren't very nice calls either. I stated I will pay but I'm still getting harassed and getting called out my name more then once. I asked to speak to a manager and just got switched to another representative. This company is very unprofessional and something needs to be done because I shouldn't be called a XXXX in any shape nor form. I literally been getting calls from this company since XX/XX/2021 all the way up to today which is XX/XX/2021. They said they mailed me a letter but had the wrong address and all I have is voicemails that they left after I told them I'll pay and somehow we got disconnected and I do Security so after I got off I was every name in the book.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : Dear ChexSystems, I, XXXX XXXX XXXX XXXX, am writing this letter to dispute a claim that is falsely listed on my consumer report with your bureau. The following item is fraudulent ; I have NEVER opened an account with XXXX XXXX XXXX. The account details are as follows : Amount : {$1600.00} Account Number ( RTN/ACCT # ) : XXXX / XXXX Reported For : Transactions involving possibly forged items or checks Date of Closure : XX/XX/XXXX Closure Status : Unpaid Closure Status Date : XX/XX/XXXX I am disputing this claim because I have NO KNOWLEDGE of this account. It is FRAUDULENT, and I am requesting that it be REMOVED IMMEDIATELY. This is my official request to have the aforementioned item deleted from my consumer report. Attached is additional evidence to support my claim ( XXXX Police Report and FTC Report ).
Product: Debt collection

XXXX  XXXX  keeps emailing me for some debt that I do not owe to them. I never had a contract with them. I requested a copy of the original contract and did not receive anything. I get daily calls and emails about this debt
Product: Debt collection

2 years ago I purchased XXXX in my apartment complex and paid for the installation fee and all fees that applied. My apartment complex notified me shortly after we could not have a dish in my location and I was unaware. I called XXXX and explained the situation and at the time they were very understanding and I had a XXXX balance. I turned in all boxes and remotes and got XXXX cable shortly after. Come to find out this collection on my credit report shows up recently 2 years after and they said it was from XXXX. I explained the situation and they said rudely we dont care just pay your bills. Very unprofessional and I just couldnt believe 2 years later they are being this unprofessional when I truly wanted the service but was unable to carry them on my property. This was never about paying a bill. They charged me XXXX for an early cancellation fee even though they assured me this wouldnt happen. 
Solution- I would like this false charge removed from my credit report immediately and for them to conduct good business. This is definitely an unfair charge
Product: Checking or savings account

To Whom it May Concern, On XX/XX/XXXX, I paid a local branch of Wells Fargo locates at ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in order to request a copy of the last two months of my bank statements. They charged me {$25.00} for the transaction. I asked to pay for the transaction via my credit card, debit card, or a deduction from my checking account with them. They refused. They insisted that I pay by cash. This felt discriminatory to me, as all the other proposed means paying for the transaction were valid, and cash need not be the only accepted form of payment. 
I also feel that in this time of the COVID pandemic, when libraries and other businesses that could have provided access to a printer were closed, and I had no way to print out my bank statements, even if I were able to access my bank statements on-line. They should have been more considerate and provided me with the copies of 2 months worth of bank statements, which were not excessive in number for free. I requested that they waive the fee that I paid. They looked at the record of the transaction in their computers and could find none, precisely because they asked for a cash payment. I am seeking some redress of this matter, at the very least, a refund of the {$25.00} fee I was charged. I appreciate you assisting me with my request and thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Mortgage

My borrower, OCWEN Loan Servicing LLC has repeatedly caused me problems with disbursement of funds from an insurance claim check that I was given for repairs that I have paid for as a result of Hurricane XXXX in XXXX 2016. The XXXX insurance company paid my flood insurance claim within weeks of the loss and as per policy, the {$22000.00} check was written out to me, my wife and the mortgage companies ( OCWEN and XXXX XXXX XXXX ). XXXX XXXX XXXX had an authorized representative in their office endorse the check the day I received it in XXXX. In that time, I had paid a contractor to perform all of the repairs, and had receipts that they were paid in full. 

Numerous times I have called their toll free number and was given different requirements from OCWEN representatives ranging from " All you need to do is send the check and we will endorse it '' to a litany of different requirements. When I sent the check in XXXX, it was sent back, unsigned with a letter attached with a list of requirements as if I was waiting to have access to the funds in order to start the repairs. No phone call to clarify why then sent it back unsigned. In the interim, we were given piecemeal different requirements in order to get access to the funds such as copies of receipts, a XXXX form for the contractors, an affidavit which shows that the contractor could not put a lein on the house, among others ( why this was not specified prior, seems to be unknown ). Finally, once they have all of these documents, they ask for us to endorse the check and send it to them. While unsure of why, this process was not going to proceed without it, we reluctantly signed and sent if off again. 

The next issue that we came upon is that they did not accept the Adjuster 's worksheet which The XXXX hired to document to damage. They said it was invalid since the adjuster did not work for The XXXX. This caused us to contact the insurance agent and The XXXX for a letter stating that they hired the adjuster for this claim. 

They stated that they needed to send an inspector to verify that the work was complete. An inspector came and spent not one minute to verify that the repairs were completed. Another week went by and they claimed that they had received the inspection and that they were sending us the funds. The check arrived today and it was written out to us and the contractor, so we have to go to the contractor to get them to sign it before we can have access to the funds. 

It is unbelievable that this could not be resolved any easier. Should I have not had the resources to pay for the repairs, I would still be waiting for the work to start and be without heat in the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are BANK OF AMERICA this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report
Product: Credit reporting or other personal consumer reports

Hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the XXXX  data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house.
Product: Credit card

Unauthorized charges were approved to newly opened Citibank Credit Card account with the wrong cardholder name and cardholder number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crede Reporting act, The List of accounts below has violated my federaly protected consumer rights to privacy and confidentialty under 15 USC 1681. 
Account name : # XXXX loan services # last XXXX Account name : XXXX # last XXXX has violated my rights. 
15 U.8.C 1681 secsion 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Secion 2 : also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1681e. ( 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. 16815-2 ( AX1 ) A person shall not furrish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabile cause to believe that the information is inaccurate
Product: Debt collection

Diversified Consultants added an account on my credit report for an alleged debt I do not owe. I do not owe them any money. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. When you speak with their customer service agents they are hostile and deceitful. They are flagrantly violating the Fair Debt Collections Practices Act.
Product: Credit card

On XX/XX/year> I made a XXXX Payment to Capital One Credit Card ending XXXX and on XX/XX/year> I attempted to make a transaction but was declined. I then realized that the credit limit on the card was {$0.00} when it should have been {$300.00} available. After feeling embarrassed and stressed I contacted Capital One and informed them that I was attempting a transaction and was being denied and that the denial was causing me an adverse affect. I was told by XXXX XXXX ID : XXXX Fraud Specialist that Capital One was going to hold my funds for XXXX ( XXXX ) days until they decide that the funds are acceptable for them. I informed them that these funds were already taken out of my checking account and I had no more funds other than my expected available credit on the credit card ending in XXXX. They told me that there's nothing they can do and it was my problem and I had to solve it myself. I was shocked and felt discouraged and abused. 


On XX/XX/year> I then made another payment to Capital One Credit Card ending in XXXX for {$290.00} and again the funds were taken out of my account yet the credit limit on the credit card wasn't available. I tried to enter a transaction and was again denied causing me stress and anxiety. I then contacted Capital One Bank and informed them that I needed to use the credit card ending XXXX and I was told by XXXX XXXX ID : XXXX Fraud XXXX that the funds will be on hold until XX/XX/year>. I informed this agent that I didn't understand why if I had the funds removed from my checking account and what law states that this is something this bank can do? I was told that this is how things worked, I then was told by XXXX XXXX ID : XXXX Fraud Specialist that I must allow her to call the bank where they received the funds from to verify whether the funds were available. I declined because I did not wish to share my personal information with another bank to Capital One. I was told that I would not be able to get any assistance if I didn't. I then asked for a supervisor and was denied and the agent hung the phone up on me.
Product: Credit reporting or other personal consumer reports

I closed the card on XX/XX/year> and paid balance in full. They said everything was closed and completed. I then received another bill with no access to any records and excessive late fees and interest that continues to escalate. They do not speak English and have no information or authorization to close account and correct damage.
Product: Credit reporting

I have previously disputed the XXXX claim of a sum owed. I have provided XXXX with a copy of the receipt for returned equipment. There has been no response from XXXX, but this claim remains on my report, causing me to be denied credit. It is as best I can determine the sole blemish in my credit report. I wrote on XXXX XXXX, XXXX, when I still lived in XXXX, Virginia, to the XXXX XXXX Department of XXXX XXXX and XXXX XXXX to describe in detail my difficulties with XXXX. On XXXX XXXX, XXXX, I wrote to XXXX collection agencies, XXXX XXXX , XXXX and XXXX XXXX XXXX, to dispute XXXX 's claim. I also wrote to XXXX on this date, with copies to each of the XXXX credit reporting agencies. I wrote again on XXXX XXXX, XXXX, to another credit collection agency, XXXX, to dispute XXXX 's claim. In each of these letters I disputed XXXX 's claim and asked that its complaint be discontinued. I received no replies from any of the credit agencies, or from the collection agencies, or from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

when asking XXXX  to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card

This was with bank of america. They denied my SSA form, denied my durable power of attorney. The credit card would have been for XXXX if they let me enter the number. I have suspension of breach of trust, security fraud and identity theft on the banks part. Please help. Thank you.