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

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$1300.00} Original creditor : XXXX XXXX XXXX {$1300.00} Highest Balance {$1300.00} Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Original creditor : XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened XXXX XXXX, XXXX
Product: Credit card

Went overseas XX/XX/XXXX taking only XXXX credit card : Capital One. I went out of my way to research the best card for travel, especially in terms of rental car insurance and other travel benefits. At some point after being in XXXX I received email that they were sending me another card as they were updating to chip cards. I called and to tell them ( although they already had notice I was overseas ) that I was not at that address and could they send overseas ; I was then at a hotel in XXXX XXXX, XXXX. They said they could send overseas by regular mail. I told them that was not a safe, smart or responsible thing to do and that by the time it arrived ( if it ever arrived ) I would probably not be there. I pleaded to send via XXXX at my cost. The said they would not. Of course I never received the card. I called their customer service several times to say I had not received the card. I was assured my card was still good " till XX/XX/2016 ''. I went into hospital when in XXXX and card was declined. Hospital would not complete treatment until card is approved. Spent over an hour on the phone with them at hospital and finally got payment approved. XX/XX/XXXX I was able to return to US. Before leaving XXXX called Capital One to verify that card would still be honored -- I needed it to rent a car once in US etc etc and again, it was my only credit card. I was assured the card would be honored -- this time I was told it would be honored indefinitely not just till XX/XX/XXXX. Landed at XXXX, took shuttle to XXXX XXXX where I had a reservation and card is declined! Called customer service and they said I should be using my chip card! I explained why I did not have a chip card and explained the assurance I was given before leaving for the US. Agent was able to verify I was given erroneous information by their agent. I asked what they can do to help me, ( esp. as I was in this dilemma due to their errors ) and that I was stranded at XXXX. Even after much pleading, trying to reason with them, they said there was nothing they would do. I ended up getting XXXX to accept a Visa debit card I was also carrying. Just before dropping off car in XXXX I accidentally scraped the rear door and punctured a tire with a rock bordering a parking lot. Only then I realized although I had put it on a Visa card, I had no rental car insurance. If I would have not been given erroneous information by Capital One, or if they had sent me the card overseas as I pleaded, I would not be in this problem. As it is I am waiting for XXXX XXXX to tell me how much I owe them. I imagine it will at least be several hundred dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit card

Wrong credit claim from XXXX XXXX XXXX owner : XXXX XXXX LLCCurrent Account No : XXXXCurrent Balance : $ XXXXThis is fraud claim by XXXX XXXX. The current debe collector is Dynamic Recovery Soltuons, XXXX XXXX XXXX, XXXX, SC XXXX. I file compalint in FTC ( XXXX,XXXX ) they vanish and again come back after few years. This has been going for the last many years.
Product: Debt collection

I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly. I am now demanding all negative information be removed accordingly. I am attaching the documents in this file Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have found this company violating my rights as a consumer. On many occasions I have giving this company 30 days to respond with the requested information and they have failed. I request my payment of {$19000.00} be redirected to me. pursuant to 1692 ( g ) ( a ) -notice of debt I had never received a letter notifying me of the name and address of the original creditor nor that if any portion of the debt is not disputed that it would be assumed which is in violation of FDCPA 1692 ( g ) ( b ) -disputed debts- I have notified in writing that all portions of this debt is disputed. As per 1692 ( g ) ( c ) -The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have called Experian a few times to get addresses removed as well as names I don't use. they refuse to remove the information and told me the only way to remove it was to get a police report. they say the letter I uploaded was insufficient because it does not say the name or address in the police report. I have told Experian multiple times that I don't use XXXX XXXX when applying for credit I use XXXX XXXX XXXX. because of the identity theft situation from 2006. Experian continues to refuse my request and they continue to disobey the law by continuing to report inaccurate information on my credit report. 
I requested Experian to delete the names on credit report, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX addresses : I do not live at a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and this info needs to be deleted.
Product: Debt collection

Got a collections notice from a company saying I owe money. I sent them a letter stating that " Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts:1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Connecticut ; 4. proof of the last payment made on the account. '' The company responded with a letter stating " we have notified the client of your dispute and they have verified the information on this account to be true and accurate ''. There was no proof, nothing in writing, no proof of payments. Are they allowed to show this as proof ... saying that they contacted the client and they agree that it is legit? How is that possible? 
I had many problems with XXXX XXXX and my billing issue, including sending the bill to the wrong address. XXXX claimed they fixed the issue, but after 6 months I decided that I would call and complain weekly until the fixed it. They ended up waiving my bill because this issue was going on for about 9 months. The last person that I spoke to said they would waive my bill, but I told them to cancel my service instead. I think this was XXXX XXXX 's way of getting back at me for cancelling my service with them. I was told this bill would get waived. I 'm sure they have that recorded somewhere in their file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with the balance of {$3200.00} XXXX XXXX XXXX XXXX with the balance of {$5300.00} and XXXX XXXX leasing with the amount of {$0.00} reported XXXX XXXX, are the result of identity theft, and They are not belonging to me.
Product: Debt collection

I paid the original debtor ( XXXX XXXX Hospital ) the following amounts : XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$140.00} I was contacted by MiraMed on XX/XX/XXXX by mail that I owed {$60.00} on XX/XX/XXXX. I contacted XXXX at XXXX who verified a XXXX   balance with them. 
on XX/XX/XXXX. I contacted XXXX at MiraMed who said she'd send a balance verification to XXXX XX/XX/XXXX. I contacted XXXX at MiraMed who was disgustingly rude and disrespectful when I tried to discuss the issue again. 
XX/XX/XXXX. I contacted XXXX at XXXX, she verified the XXXX balance and agreed to escalate the issue with MiraMed and request a Paid In Full letter be sent. 

MiraMed would call various times between then and now and I would explain it again and they would agree to look into it. 

Between XX/XX/XXXX - XX/XX/XXXX, MiraMed called ( 5 ) times about this debt. 

On XX/XX/XXXX, I mailed XXXX and MiraMed copies of the cleared checks my bank sent to XXXX electronically. 

Since XX/XX/XXXX, they have only left two messages attempting to collect a debt. 

I've paid my debt in full to XXXX, MiraMed isn't owed any money. These two companies had a miscommunication and refuse to resolve it and meanwhile Miramed continues to harass me over the issue. I'm requesting debt collection practices be stopped and a paid in full letter be sent. Thank you In the attached file below, my bank could not separate the payments I made to XXXX during this time period but each check ( upper left corner ) and letter ( Re : ) is marked with the correct account number.
Product: Debt collection

Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are  unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
Inquiry : XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 XXXX XXXXDate of Inquiry : XX/XX/2018
Product: Money transfer, virtual currency, or money service

coinbase.com locked me out of my account citing the need to verify my identity. No other financial institution has ever asked such things after account opening. I submitted the requested verification documents but they were denied. Since I have resubmitted many times and reached out to customer service with no feedback nor response. 
Initial submission of verification documents : XX/XX/XXXX - 3 separate attempts Initial email to customer service after failed attempts Next submission XX/XX/XXXX Email to customer service XX/XX/XXXX Next submission XXXX Email to customer service XXXX Next submission XX/XX/XXXX Email to customer service XX/XX/XXXX Submitted complaint on XXXX XX/XX/XXXX Its been nearly a month and they will not let me access my money nor digital currency. They are with holding these personal assets to which they have no rights. They will not respond to requests and we have been patient enough.
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

SPEEDYCASH.COM-XXXX XXXX bal. {$1000.00} Acct # XXXX
Product: Checking or savings account

My deposit is missing from my account from my Bank of America account
Product: Mortgage

XXXX XXXX Freedom Mortgage offered a 3 month forbearance due to hurricane Ian. XXXX ID # XXXX told us we would not have any late fees or credit damage. The peroid would be from XXXX to XX/XX/XXXX. We said we would think about it. On XXXX XXXX we called and spoke to XXXX ID # XXXX. We asked several questions about the payback options. She offered us 1. loan modification 2. repayment plan 3-12 months 3. deferment program We specifically said we wanted the deferment plan and she told us once in loss medigation we could ask for that option. 
We were never told we would need to fill out a package and have anything turned in by XX/XX/XXXX. 
I never received a package or any papers to fill out. 
On XX/XX/XXXX I called freedom to ask how to begin making payments again. I spoke to XXXX. That is when I found out I was suppose to have filled out a package by XX/XX/XXXX. I requested the package and on XX/XX/XXXX I downloaded all the paperwork. From XX/XX/XXXX until XX/XX/XXXX Freedom has played games with us. Every time I turned in the papers they would tell me something was missing. I would turn in that paper work and then they would tell me something expired. In XXXX I was told all paperwork had expired and I would need to resubmit the whole package again. 
In XXXX, they reported us late to the credit companies and My credit score dropped to XXXX. I had excellent credit until this point. 
I re submitted the package again and was told it would go to loss medigation and we would have an answer by XX/XX/XXXX. 
At this time I was told that the VA was not even offering the derferment program anymore.They stopped in XX/XX/XXXX. I then requested the phone calls from XXXX be investigated. I requested several times to be called back by supervisors and never were. THe phone calls were never investigated. 
I had to take the money out of my IRA to pay the balance so our home didn't go to the foreclosure. We also had to hire an attorney to write a letter to request our account to be take out of loss medigation. 
On XX/XX/XXXX I paid {$13000.00} to being my account current and avoid foreclosure.
Product: Checking or savings account

WHY : a. I opened a checking account with XXXX around the beginning of XX/XX/XXXX and transferred {$25000.00} from my Chase Checking Account to the newly opened XXXX Checking account. It was sent from Chase on XX/XX/XXXX and received by XXXX on XX/XX/XXXX. 

b. This {$25000.00} that was transferred to XXXX from Chase was later returned to Chase on XX/XX/XXXX, but in this process I am missing {$9700.00}. 

2. WHAT HAPPENED : a. I had made some transfers into my Chase Checking Account from my XXXX XXXX  XXXX in preparation to fund it which went through initially. So, I had enough funds to make that {$25000.00} transfer from my Chase Checking Account into the newly opened XXXX Checking Account. The problem is the transfers from XXXX were later rejected by Chase and returned to XXXX. However, the {$25000.00} transfer from Chase to XXXX had already gone through. This led me to have a negative {$15000.00} balance on my Chase account and this is also when Chase closed my account and restricted my access, saying they would reach out to tell me how to fix my negative balance. 

b. Chase never reached out. However, when dealing with a situation with XXXX ( OCC case # XXXX ) I found out that XXXX had returned the {$25000.00} transfer to Chase on XX/XX/XXXX. In XXXX response to my OCC case, XXXX said they returned the {$25000.00}. 

c. The problem is after this {$25000.00} was returned to Chase the negative balance in my account was corrected to {$0.00}. This didnt seem to add up as when the account closed my balance was at - {$15000.00} so the return of {$25000.00} should have brought the balance back to what it was before that {$25000.00} transfer went to XXXX from Chase which was {$9700.00} d. I went to a Chase Branch on XX/XX/XXXX but was told that they couldnt assist me and that I would need to call Chase because they had no information on the matter. I tried calling Chase multiple times, but whenever I would ask where this missing {$9700.00} was, I was either put on hold for hours or just hung up on. 

Please let me know if there are any additional documents you require or questions that you have. I am eager to provide them and solve this situation as Ive been very worried. Thank you very much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of XXXX XXXX XXXX XXXX
Product: Debt collection

I started a XXXX  and opened a checking account with TCF bank in XXXX. As condition with my XXXX, I opened also a gym membership early in XXXX to mitigate a disease process. My acct number for the bank acct is XXXX. By XXXX, COVID became a central theme for globally. My doctor wrote and ordered isolation as I am an at risk contender. My order was sent in the mail, and submitted to the gym asap in XXXX. Shortly thereafter, the State of Illinois was ordered into a Mandatory Quarantine by the Governor. I learned that the gym through its third party collection company XXXX XXXX, had continued to bill my account causing it to go into negative status with fees from the gym and overdraft fees by the bank in XXXX. It was submitted into Collections in XXXX, but under quarantine, was not monitoring that account. The account number for the gym being XXXX, I called XXXX immediately, who waived all charges in XXXX for an account that was restricted in XXXX and placed into collections. Though the gym attempted to reverse charges after the fact, those reversals took NO EFFECT, as the account was closed and the reversal bounced back/returned to the XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX then admitted that the charges took place and were in error but that I should return to the bank for resolution. I have that email as evidence. Going to the bank and speaking with XXXX a Supervisor with the bank 's XXXX XXXX branch, I was directed to XXXX XXXX XXXX XXXX XXXX and spoke with XXXX, the Supervisor for account XXXX ( XXXX ), who stipulated that XXXX XXXX needed to issue a check for {$310.00}. Today, XXXX XXXX of XXXX XXXX continues to persist that they had a legal right to continue to withdraw my money despite and that it was on me. None of the representatives have since attempted to resolve this matter, and I and my XXXX  has been severely damaged. A {$6.00} XXXX  dollar investment into my XXXX  has been blocked as the account was closed without my knowledge or notice and as a result payments have been burdened by this Force Majeure event which poses the risk of my being liable for {>= $1,000,000} in default payments despite the very real attempt to desposit and make payment into an account in good standing. I need help and restoration. The address for the above account at TCF is XXXX XXXX XXXX XXXX XXXX, IL XXXX The address known by the gym and XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Since originally filed have been contacted by " XXXX '' a General Manager for the gym who indicated that the prior GM or co-GM failed to freeze the account which caused the recurrent charges and bank fees. As a settlement he offered {$170.00} which is not sufficient. The total is {$310.00} ( more than {$200.00} ) are bank fees to which none of it had been caused by myself and should be either absorbed or forgiven and not paid by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.