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

I am writing to request an investigation of my credit report that I received recently. I have identified some accounts that require further explanation and clarification to ensure their accuracy. I am not implying any wrongdoing on the part of the creditors, but I need to understand the details of these accounts better. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that the XXXX  Account # XXXX has violated my rights. Section 602 A of the FCRA states that I have the right to privacy. Additionally, Section 604 A Section 2 of the FCRA states that a consumer reporting agency can not furnish an account without my written instructions.

Therefore, I request that you investigate the following accounts on my credit report and provide me with a detailed report of your findings : Account A : XXXX XXXX XXXX Account B : XXXX XXXX  Account C : XXXX XXXX XXXX Account D :  XXXX  I understand that you have 30 days to complete the investigation as per the FCRA guidelines. I would appreciate it if you could respond to me with the results of the investigation within this time frame. 

Thank you for your cooperation in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Subject : XXXX  Request for Removal of Late Payment I am writing to you regarding my CREDIT CARD account number XXXX  XXXX XXXX Date opend XXXX XXXX and closed date abr / XXXX. I want to express my sincere gratitude for the services I have received from and for the continued support in managing my loan. 
Recently, I noticed that my credit report shows a late payment on XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 
During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 
My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 
Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 
Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I applied for loan help in XX/XX/XXXX with SPS. Due to the COVID pandemic and state lockdowns, I had a reduction in income and could not afford to pay all loans attached the house without help. The house is not my primary residence since I moved out of state for work and the real estate market did not allow for the sale of the house. I called the mortgage company, SPS, daily. I did everything they said to do, and requested to speak to a manager, but was denied. At the beginning of XXXX the agent said I would qualify for relief of at least {$10000.00} and that it would be finalized the next week. To stop incurring additional debt, I had to sell the house. In XX/XX/XXXX, SPS stated that I would still receive mortgage relief to pay off additional loans, even if the house sold. SPS received the pay off amount on XX/XX/XXXX and dropped my claim. They stated that since they got their money, the request was no longer valid. And thus, I am negative in paying off loans related to the home, even though I no longer own it. SPS intentionally gave me false information and delayed approval of the requested assistance to further their own financial gain at the expense of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Hi, I closed my checking and saving accounts at Union bank, so I visited its branch office on XX/XX/XXXX and I closed and returned all cash from amount, accept pending transactions. I thought it was already closed properly after visiting branch office. Then I moved to XXXX from XXXX. It was the reason why I closed Union bank 's accounts ( no branch in FL ). Today, I just wanted to change my mailling address to get my last bank statement from Union bank, so I logged in website. I found my checking account is not closed and there are many transactions after I closed checking account even it was paid several times of overdraft fee! absolutely it has negative balance ... because I got all money from the account when I closed it. I was so shocked ... and I called to contact center to ask what happend on my account. They said it was opened again cause there are some of pending transaction. Ok, I can get it. but I ca n't pay for overdraft fee!!!! I requested waive all overdraft fee til my check will be arrived to pay off but they said they ca n't! How could I understand it? and actually I do n't understand all over this situation.. Who can imagine closed bank account opened again? and even I did n't get any notice or explain about this. I want to close my bank account without paying any overdraft fee. It 's not my fault. If I knew it can be opened and I should take care about balance for pending transaction, I handled and managed its balance!!!! but I closed! I closed all accounts! All done! It is so annoyed ...
Product: Checking or savings account

Regions Bank is holding funds that I placed in my savings account as collateral for a personal loan that was issued to me by Regions in an account that was not authorized by me. I did not agree to have these funds in my savings account held. This was not explained or approved by me. I did not sign any document during the loan process or the loan signing that gave approval for regions to hold my funds placed in my savings account in a undisclosed account and would not allow them to be available to me.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Back in XXXX my Information was stolen when I was hit off my motorcycle, im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. I have no connections or knowledge about any account listed. please help me on correcting this. 

This account was open in XXXX I have no connections with this account! I asked you guys and the medical center to provide proof and you guys provide nothing at all. 

Next step im going to hire an attorney and sue to damages. 


You guys keep saying alleged you see the ftc you see the police report!
Product: Debt collection

https : //www.statecollectionservice.com keeps calling me and texting me about a debt I do not owe. I have no information about the debtor and have requested them to stop by email, and phone conversation. A relative owes the debt and I have no information about the debt, so I can not help. The relative is an adult. They call numerous times a week from virtual phone numbers including : XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccura my ability to secure a mortgage and overall credit. From my underst investigate the following account to ensure its accuracy. Here is the asking you to verify and validate : Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report.

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period.

You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified inquiries. Failure to do so can result in a {$1000.00} fine per undeleted item. 

-- - XXXX XXXX XXXX, 2021 -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I initiated a wire transfer online from the XXXX to a beneficiary in XXXX. XXXX weeks later the amount has still not been received and Chase has provided no indication on how it will be resolved. I have reached out to Chase via multiple avenues, that is calling XXXX different departments by phone, online portal secure message system, and appearing in person at my local branch, and no party will take ownership over investigating the missing transfer. I have merely requested a SWIFT confirmation receipt to provide the beneficiary bank with tracking information or just the Unique End-to-End Transaction Reference ( XXXX ), which is standard information that all member banks performing international wire transfers through the SWIFT system should possess, but departments reachable by phone have pointed me only to an online portal, the online message portal directed me to the local bank branch, and the local bank branch refused and/or was unable to process this simple data request because I did not initiate the wire transfer at that bank. Further, the Chase Wire Transfer Department does not maintain a department reachable by phone ; therefore I must wait 1-2 business days to receive a response to my ongoing case. It is unacceptable that through over a week of my consistent attempts to gain more information, Chase has provided no answers or transparency, and made no attempts despite my daily requests to make resolution of this issue.
Product: Checking or savings account

On XX/XX/XXXX between XXXX to XXXX I went to use an atm machine at XXXX  in XXXX. I tried to withdraw {$130.00} after I did that I removed my card after being asked to so I can retrieve my money. I look up and I get a message from the atm machine saying we are withholding your money contact your financial institution. It happened so quick I didn't have time to take a picture. I contacted chine about the issue on XX/XX/XXXX at XXXX because I had to wait for the pe ding to go away. This morning I get an email saying they denied my request for my money back.
Product: Checking or savings account

My IRA at Capital One was closed on XX/XX/2022. I received a letter in the mail dated XX/XX/2022 stating that my account was closed. No explanation of where my funds are. No prior notice that this would occur. 

I called Capital One today- XX/XX/2022 and was told that I should have received two email notices informing me that my account would be closed as Capital One will no longer be offering IRA accounts. The email address that the notices were supposedly sent to was correct and I have received other correspondence from Capital One before and since regarding my account statements but nothing regarding transfer of my IRA. 
The person I spoke with said she had received several other calls from customers with the same complaint so apparently this is not a problem only I am experiencing. 

The company that received my IRA funds - XXXX XXXX XXXX XXXX, Illinois has not provided any confirmation that they have my funds, and as I write this, I am on hold trying to get through to them. 

Where are my funds? Why was Capital One not required to send a written notice prior to transfer rather than only an email notice? Where is evidence that an email notice was sent? I have searched spam, deleted messages, etc, and I have no record of a notice from Capital One or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute n on XX/XX/2020 and still havent recieved a response
Product: Debt collection

I am beside myself. I have been working on repairing my credit for several years. I had one XXXX credit card left over that was sold to Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made 3 payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed XXXX payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over XXXX minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from XXXX. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every XXXX weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the 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: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX  loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

My car was paid off last year at the end of the year and then by the next month on my credit report it stated I was late to make a payment. I then called Experian and they gave me the run around telling me to call the dealership while the dealership stated to call the credit bureau,, after going back in forth a team member from Experian told me to put in a dispute I put the it was paid off in full then about a month later Experian stated that the account was deleted instead of closed resulting to me no longer having a credit score. Ive reach out to both the dealership and credit bureau and Im still getting the run around. Experian told me to reach out the the dealer to get an reinsertion letter due to the dealership telling them to just delete it instead of providing evidence that my account was paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to this company. My reference number is # XXXX. The company said my name was not on the Loan. This was the companies response : We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

Clearly by my credit report my name is on the loan. I would like this reopened and something done about this fraudulent account on my report. 

i feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 
( XXXX XXXX ) XXXX # XXXX XXXX XXXX XXXX XXXX, mi,XXXX  ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX # XXXX XXXX XXXX XXXX XXXX, VA, XXXX ( XXXX XXXX  ) XXXX # XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX ( XXXX XXXX  ) XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, pa, XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Southwest Credit Services put a collection on my credit report onXXXX for XXXX XXXX and then posted a false payment on XXXX to keep it on report. XXXX XXXX has no record of me having an account with them using my name, address, old phone number and ssn. I have never been contacted by Southwest. If a true payment was made I want to know the account it was paid from because it was not mine. Southwest has many similar complaints on XXXX.
Product: Debt collection

I sent debt validation letter to portfolio recovery in XXXX. I haven't received anything back from them validating this debt. In the attachment document you will see what they sent me on XX/XX/2021 which is not validating the debt and I want this removed immediately from my credit report