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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, Y XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On SeptemberXX/XX/2021 my checking account was overdrawn due to automatic withdrawals. I made a conscious effort to pick up two paychecks from one of my jobs- having to leave early from one of my other jobs to do so and deposit before midnight on PST. I opened my account on SeptemberXX/XX/2021 to notice that I had only {$7.00} available for use which was much less than I was expecting. This was due to 3 overdraft fees of {$34.00} charged to me even though I had put money in to cover the overdraft amount. I called in on Sept. XXXX to Chase Bank using the customer service line provided on the back of my card and was told I was not approved to have the fees refunded. I asked to speak with a supervisor and was told I would get a call back. I received a call back from a manager or a supervisor today, XXXX XXXX at a Branch in Florida who would not even consider refunding the fees even though I told him the entire story. After a lengthy and heated phone call I have placed an email to the Co-head of the company and am awaiting a response. What has finally lead me to complain to the CFPB is not only these three fees, its the abusive fees I have been receiving every 2 weeks which is preventing me from ever maintaining a positive balance. I am an XXXX, I work in healthcare and have through this entire pandemic. I decided to go back to school and do not qualify for much government assistance so I am working 3 jobs to get me through school and attempt to pay my bills. I have been $ XXXX {$800.00} overdrawn due to overdraft fees specifically at any given time. I can not come out from under them, it is a vicious cycle. I went to count the fees I have spent to provide them with an actual number but stopped at 100 fees that were all charged within a 12 month period. That is almost {$4000.00}. That could have been 3 months of rent for me. That is 2 months of my tuition. That could have covered groceries, months of phone bills, credit card statements, etc. It is so painful to think what that could have been applied to. Instead, it went toward absolutely nothing. To pay the institution that is supposedly keeping my money safe. I am exhausted, I am overwhelmed and looking for help out of desperation. I am not asking for {$4000.00} to be refunded for the year of overdraft fees. I am certain if that is what I paid just for one year, then Chase Bank has made at minimum {$10000.00} off of me alone in the years that I have been a Chase customer. I am mostly looking for Chase to have a little bit more mercy when it comes to these fees and have them consider refunding SOME of the fees to get me through until my next payday with a positive balance. I work hard for my money, it belongs to me and I feel like Chase is stealing from me every time I have a direct deposit hit my account.
Product: Debt collection

I do not mean to be disrespectful to anyone nor avoid anyone but this Bank called again looking for XXXX. My dead dad is XXXX. I 'm XXXX and I have no dealings with this bank and since I receive numerous phishing scams etc. the gov themselves states do not give out any information via phone. I am upset as I continue to be called. You were advised on an earlier complaint and per their own words that upon notification they removed me from their list and I would not be called- Evidently opinion by experience this is par for collections or scammers. -I received a call on XXXX/XXXX/XXXX at XXXX XXXX  Tuesday XXXX XXXX XXXX XXXX XXXX It upsets me they continue. I do believe they can not call anyone but the debtor spouse or lawyer. I hope they refrain from continuing this action since evidently they did not respond truthfully to you on the first complaint!.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a personal loan from Western Finance in XXXX, Texas for {$150.00}. Their address locally is XXXX XXXX XXXX, XXXX, Texas XXXX. Phone number is XXXX. The managers name is XXXX. The district manager 's phone number is XXXX. I do not recall his name, however he did call me after me getting an employee to pass him the message and he verbally confirmed that he received the cease and desist notice. The corporate address is Western Finance XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The customer service number is ( XXXX ) XXXX. 
I made the XXXX and XXXX payments on time, however the XX/XX/XXXX payment did not get made because they closed by the time I got off work for the holiday. On XX/XX/XXXX I had just made it to work and the manager called me and left a voicemail, while checking this voicemail, she contacted my mother and my daughter not giving me enough time to finish the message and remember to call and pay. She continually harrassed them and when I did get her on the phone she stated that she had the right to call anybody she wanted to because my account was late. I then requested that no more calls be made to me or my references and sent over a cease and desist notice via fax to this company. I did not hear from them again until Monday, XX/XX/XXXX. When I finally got the lady on the phone she stated that she was going to continue to break the law and call me because I still owe a balance. I contacted the district manager and he agreed with her and stated that he received my cease and desist letter and the companies attorney advise them to keep calling me, in spite of my request to not be contacted. I also received another call on today, XX/XX/XXXX from the Western Finance company. Please help me in my attempt to make this debt collector follow the law.
Product: Checking or savings account

I received a letter stating that a checking account had been opened in my name, the letter provided an account number and routing number. A letter followed immediately stating that the bank identified this as potential fraud and access had been blocked. I tried to call bank and it wants me to input a ssn, which I did not do. I tried to get through to an operator and when I did, I got hung up on. 
The Banks info is : PENFED Credit Union. 
Address of bank : XXXX XXXX XXXXXXXX, XXXX NE XXXX. 
Bank phone number XXXX Bank web page : PenFed.org
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$14000.00XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$280.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under CREDITORS BUREAU ASSOCIATIONS and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence. I have requested for this is account to be removed since this can not be validated. I do not believe this account belongs to me nor do i believe that the creditor has autorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus.
Product: Credit card

Elan Financial Services credit card Payment services website states " Payments with a Payment Date equal to todays date can not be modified or deleted after XXXX XXXX. CT. '' Yet a payment made at XXXX XXXX. CT. are considered late. When I called the supervisor informed me the cut off time is really XXXX XXXX. so cutoff at XXXX XXXX. is a false statement on their website and needs to be corrected as they are assessing a late fee at XXXX instead of XXXX pm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX  XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX Bankruptcy chapter XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX AV XXXX XXXX, VA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XXXXXX/XX/XXXX XXXX PLUS XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX3XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer XXXX the consumer identifies as information XXXX resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card

I was a customer with Capital One for over 10 years and had a charge that I was unaware of hit my account. I never received any communication regarding thisn {$10.00} transaction, and it went past due. Still never received any communication that my account was past due, late fees were added, etc, and they closed my account. They also never told me that they would be closing my account, or any of the like. This resulted in an XXXX point decrease to my credit score with Zero communication. I find it completely irrisponsible as a business to have practices like this, as all account changes should be communicated. I will also be reporting them to the XXXX  as well as other agencies. They need to be looked into and charged for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested for the past 5 months through XXXX XXXX, to have the inaccurate information removed from all the XXXX credit agencies. There is a student loan account that was fraudulently reported to the XXXX credit bureaus and I have never received any response from any of the XXXX agencies. A month ago, I paid that fraudulent account off around {$1700.00}, because I was being harassed by creditors and also wanted to improve my credit score. I want my money back. The weirdest thing has been happening : rather than my credit score going up, it has gone down, despite my positive history and me making good money. One credit card even decreased my credit limit by more than half despite making payments on time and being approved for no interest for 2 years. I also have XXXX unauthorized hard inquiries. Today, before I am writing this complaint, I have been trying to dispute those inaccuracies and I am not even allowed to do so. My credit score is all over and it just doesn't make sense. 
This fraudulent recorded information has caused tremendous hardship for my family as my children were unable to get federal financial aid because of my school " default ''. I am also unable to refinance my car loans. 
I have worked very hard trying to improve my credit score after I got out of school and really appreciate your help regarding this matter.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XXXX2017and are proceeding to sale set for XXXX/XXXX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Student loan

Sallie Mae keeps harassing my family and my boyfriend. Not only is this embarassing but the customer service representative can't even pronounce my last name properly. They called so many times that XXXX thinks it's a spam caller. This is a pandemic, I have not been working since XX/XX/2020 and can not find a job that will hire me. I don't know how they got my brother 's cell phone # or my boyfriend 's phone # after explaining my situation. I don't have much source of income and struggling with health condition. I need this to stop, I do receive letters and can barely make ends meet.
Product: Credit card or prepaid card

Below are the following accounts appear to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account. 

AMEX XXXX XXXX {$5400.00} AMEX XXXX XXXX {$1300.00}
Product: Checking or savings account

I have lost XXXX $ in cash app. Account. Money got transfer to different people ( unknown person ) and cash app never stop that transaction or refund my money.
Product: Credit reporting or other personal consumer reports

These Inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a formal complaint to address a false and erroneous DUI that is being reported on my record. This company has caused adverse action and undue stress due to its distribution of this fake information. I demand this information be corrected and removed immediately before a lawsuit is filed due to a violation of the FCRA. This organization has a responsibility to only report correct information and has completely failed in protecting me from false and detrimental information. This is a disgusting display of negligence and its negative impact of such blatant disregard.
Product: Credit card or prepaid card

I'm really frustrated in trying to resolve this matter with Capital one, I requested statements from them since they are reporting several lates and I wanted to see when these payments were posted since I feel I was always on time with my payments. 
My first request was with the bureaus on XX/XX/2017 I got a response from capital one XX/XX/2017 which I will provide attached. Again I sent in a request to the bureaus several times following that time to which I got the same or similar responses. I provided all the information they would need to look me up. I feel like the responses are just trying to avoid responding.
Product: Debt collection

I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX OF XXXX XXXX : {$33000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with those crediotrswas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than
21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

XXXX has passed a debt to EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX for {$600.00} on XX/XX/2019. I have a current account with XXXX. This is an invalid claim. I would like this taken off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion for 2 years in a row said unable to access credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a monthly statement in XX/XX/2021 with charges I did not make, and could not find my credit card, I immediately notified creditor. The card was canceled and I was sent a new card. I went over all charges with creditor and all charges were removed. I then returned the 3 items I did purchase, leaving a credit balance. When I received my next statement, all of the unauthorized charges were back on my statement. I called several times to dispute the charges and request the amount they now owed me. Not only are they refusing to correct my account, they have reported me 30 and 60 days late. My credit score has dropped over 100 points. I disputed with XXXX  3 times only to be told that the creditor states their information is correct. So no change to the credit report. On XX/XX/XXXX I will be reported 90 days late when they owe me over {$500.00}. I am a XXXX year old XXXX veteran and always pay my bills on time. I hope you can help me. Thank you.
Product: Credit reporting or other personal consumer reports

Recently, I received a copy of my credit report and I notices multiple inaccuracies and unauthorized accounts/information reporting to my credit report. I reached out to the company by mail and still have no response regarding an update. Just to name a few : 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  These inquiries/remarks has been hindering my credit XXXX agressively.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the difficulties I have encountered since creating an account on XX/XX/year>. After verifying my information, I attempted to freeze my account, only to receive the following message : Sorry, were having trouble showing the status of your credit freeze right now. The same issue occurred when I tried to access my credit report, with the message : Sorry, were having trouble showing the status of your credit report right now. 
I called customer service for assistance, and after five minutes of verifying my identity through the phone system, I was told to use a chat system but warned NOT to disclose further personal information. I was then disconnected. The chat link then promptly asked me for further personal information in the form of a PII form. As a current account holder, I am uncomfortable providing my Social Security number and other personal information through a chat interface -- -and they just warned me not to do so. 
Upon researching this issue, I found that it has been a persistent problem for many users, and it appears there has been little effort to resolve it. 
I would appreciate your prompt attention to this matter and hope for a solution that ensures my personal information is handled securely and efficiently. 

Thank you for your time.