23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I paid my bill off by an official bank check on XX/XX/22. The check was for {$1800.00}. I Never got credit for the payment so I contacted the bank and it was cashed on XX/XX/22. Barclays bank asked me to send them a copy of the canceled check front and back which I did on XX/XX/22 certified mail. Barclays Bank received the letter with the copy of canceled check on XX/XX/22. I have called several times and were told that they are the proof of payment and it will be applied within a week. That has been going on for a month now after several other calls to the bank. As of today when I spoke to a account manager they are now saying that until they find out what happened to the payment on there end they will not credit my account and they say the process could take another 30-45 days. 

Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX # XXXX Inquiry : XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my account I noticed that their are two hard inquiries from XXXX XXXX XXXX that I was not aware of and did not authorize. One in XX/XX/2022 and one in XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$9900.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. 

Account Information : XXXX XXXX XXXX XXXX Experian Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it.

I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report.

I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX  XXXX XXXX Dept of ED/XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, U.S. DEPT OF ED - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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
Product: Mortgage

In the matter of XXXX vs. XXXX, XXXX XXXX INDEX # XXXX Summons and Complaint : No one personally served Summon and complain upon defendants, mail or otherwise. 

On XX/XX/XXXX @ XXXX at XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX XXXX sworn to an affidavit of service that he personally served both XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX had to have keys to enter the building to go to the second floor. This is a private building with a secured front door. At that time in question I was at work and XXXX has a XXXX, there is no other way she could have gone down the steps to the front door to open it without my help. If XXXX XXXX had served me XXXX XXXX at that time and date at XXXX XXXX XXXX XXXX NY XXXX then the affidavit of service would of have some substantial merit. NOTICE that XXXX XXXX XXXX did n't give any characteristics of the hallway or the building description, furthermore he describe XXXX XXXX as XXXX indicating he never came into contact with XXXX XXXX. 
NOTICE : That XXXX XXXX XXXX was reprimanded for acts of the same nature : DEPARTMENT OF CONSUMER AFFAIRS against XXXX XXXX Violation # XXXX. 

2- After an intensive investigation, all assignments of this mortgage are fraudulent in nature a matter of factual discovery there were no sale. All plaintiffs, XXXX, WELLS FARGO and all of them have no standing to bring any foreclosure action and have brought fraud into the honorable court. 
Assignment of Mortgage to XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. 
XXXX XXXX XXXX working for Wells Fargo NOT XXXX. 

Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. working for Wells Fargo NOT XXXX Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX, Home Equity Mortgage Asset-Backed Pass-Through Certificates, Series XXXX. 
Signed by XXXX XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee, onXX/XX/XXXX i call WELL FARGO and spoke to XXXX XXXX XXXX @ XXXX that confirm that XXXX XXXX XXXX XXXX is an employee of wells fargo NOT XXXX. 

ALL INFORMATION ARE FACTS WITH SUPPORT.
Product: Vehicle loan or lease

This company has continuously reported inaccurate information on my consumer report. They intentionally reported a charge-off on my consumer report when it is in fact considered income. According to The IRS, they clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting a charge-off on my account inaccurate! I have contacted this company several times to delete this inaccurate account from my consumer report, but they constantly refuse to correct their unlawful behavior. It has damaged the character of my consumer reputation and I will be seeking remedy.
Product: Credit card or prepaid card

During the pandemic I was receiving unemployment issued through Bank of America. There were weekly deposits of {$1000.00} that were to be added to my prepaid card account. Upon looking at records Bank of America withheld {$1000.00} without authorizing or notifying me of any reason. I was never given that money and I never filed a complaint due to current circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asking two credit bureaus to check the accuracy of a report chapter XXXX bankruptcy on my credit file. Inaccurate information is being reported. My father and I have the same name. Please verify the account and the accuracy of the information being reported at the local clerks office. Third parties are verifying the information via online and it is not correct
Product: Credit reporting or other personal consumer reports

I believe I am a victim of a data breach, security freeze malfunction, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed from Equifax ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT XXXX : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR XXXX! 

I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like LVNV FUNDING  NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND XXXX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH FIRST KEY BECAUSE OF THESE COLLECTION AGENCIES AND XXXX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent disputes to Equifax, XXXX, and XXXX about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from Equifax, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX ( XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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
Product: Debt collection

XX/XX/20 Contacted Navient by phone because of mandate to forgive interest payments due to COVID-19. Navient refuses stating I DO NOT QUALIFY I have not missed a payment or been late in 7 years. Navient states government mandate to forgive interest payment does not apply t me without any explanation. I am still working part time and am experiencing financial hardship because of COVID-19 pandemic
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information contained within my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity and accuracy of the negative information listed on my credit report. I have carefully reviewed my credit report and identified several inaccuracies, including but not limited to Incorrect addresses, Wrong phone numbers, Inaccurate employment information. These inaccuracies are detrimental to my financial well-being and may negatively impact my ability to access credit and other financial services. As such, I am requesting that all incorrect information be promptly removed or corrected in accordance with FCRA regulations.Under FCRA Section 611, consumer reporting agencies are required to conduct a reasonable investigation into disputed information and, if found to be inaccurate, incomplete, or unverifiable, to promptly delete or correct such information. Furthermore, FCRA Section 605 requires that consumer reporting agencies maintain accurate information and ensure that consumer reports contain only information with a permissible purpose. I am also bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance in resolving this dispute. I have submitted a complaint to the CFPB outlining the inaccuracies in my credit report and requesting their intervention to ensure that my rights under the FCRA are upheld. I request that you conduct a thorough investigation into these matters and provide written notification of the results and any actions taken to address this dispute within the timeframe specified by FCRA Section 611. Thank you for your prompt attention to this matter
Product: Debt collection

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the XXXX period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX  loan, {$2700.00} loan, half is given up front, the rest is financed and put in a savings and when loan is paid off you recieve the other half. The amount of {$1300.00} has not been transferred to me. XXXX transferred this loan to SST technology to service. Their customer service has continually lied to me. I paid loan in full on XX/XX/XXXX, they continue t0 not tell me where my money is. Allegedly its in an savings account thru XXXX XXXX XXXX, however they refuse to tell me the full account #, they customer service has put me on hold for hours, being tossed around, hung up on, told different excuses. Delay XXXX to XXXX holiday, delay because I paid loan off to soon, delay because they dont know why, delay because they are manually entering transfer. Ive been told so many lies. No one has been able to tell me when I will receive my money. Per the contract I should have received my money no later than XX/XX/2024. Ive called everyday, and its a different story. I was harassed by 2 customer service agents, one laughing about the situation.
Product: Debt collection

Debt collectors ( Portfolio Recovery ) keep calling me every single day. They also somehow keep refreshing the debt so it keeps showing up as a new item in my credit report via XXXX, XXXX XXXX XXXX. I have asked them multiple times to send me verification and they hang up. Since they refuse to send info I have not been answering any calls. There are also 2 closed accounts on my credit that I have tried to get removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 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 filed for chapter XXXX bankruptcy and then converted my chapter XXXX case to a chapter XXXX, which was approved and discharged by the Bankruptcy Court and all debts owing were discharged effective XX/XX/2015. XXXX XXXX XXXX continues to report to all three credit bureaus that my payments are late for the auto loan debt that I had with them. This auto loan debt was discharged on XX/XX/2015. XXXX XXXX XXXX and Experian chooses not to report this correctly. I am part of the class action lawsuit against Experian who chooses not to update my credit report correctly either. XXXX XXXX XXXX has repeatedly refuses to report my discharged debt properly is in violation of the bankruptcy discharge injunction prohibiting them from trying to collect on discharged debts. I have disputed this debt over six times directly on all three credit reporting agencies of the misreporting, and XXXX XXXX XXXX refuses to fix the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX  ( two trade lines, the same creditor )
Product: Mortgage

Hello I came across your ad on XXXX about Wells Fargo about the suit concerning home mortgages wrongful foreclosure. I had this issue with Wells Fargo back in XXXX. I understand that this is for XXXX. But I never was able to complain about it. Wells Fargo foreclosed on my mortgage stating that I missed payments and I know that I did not. One month I went into the a local branch to make my payment and weeks later I received several months of my payments back in the mail along with a letter stating that I defaulted on my loan. I was like wait what! I was so surprised I called them they. Stated I missed payments I would know if I missed payments on my mortgage. So they foreclosed on my home and I had to move out. I can admit that I was late. But a month behind! As they was stating no. This was some crazy stuff. My spirit never rest on this issue.
Product: Checking or savings account

they been holding every deposit i make to my business account for seven days since XX/XX/XXXX XXXX deposit amount XXXX date XX/XX/XXXX. deposit amount XXXX XX/XX/XXXX. deposit amount XXXX XX/XX/XXXX. i contacted wells fargo in XXXX when they first did this and they said they couldnt do anything about it because of overdraft that i had. i explaint to them that this wouldnt help me because it would cause other overdrafts because i had to pay my mortgage and some employees. they did nothing about it and continued to put a hold on every deposit i make.
Product: Debt collection

Since XX/XX/2022 I have requested this collection agency to validate a medical debt regarding a VA hospital where I have never visited, this account is part of the fusion of information from other people such as names and addresses that I have never lived in VA and FL that even the XXXX XXXX and XXXX have not made such requested corrections.
Product: Debt collection

Allied Trustee had a collection debt file XXXX in XXXX for HOA dues. Which was paid in full and included fees for XXXX XXXX for the amount of {$5600.00} paid on XXXX XXXX now they have sent me a statement with fees dating back toXXXX -through XX/XX/XXXX. equaling {$200.00} also they are claiming I have not paid my HOA feesXXXX XX/XX/XXXX and that I only made a {$120.00} for XX/XX/XXXX leaving {$190.00} still to be paid. I tried to talk to a lady at the collection place and she basically would not listen to me when I tried to explain I have proof of payment and had a previous collection debt by them that was paid in full.
Product: Credit card or prepaid card

A person with the email XXXX attempted to obtain an Apple Card account from Goldman Sachs Bank USA with my name. The application was denied since I had a credit freeze on my credit accounts.