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

To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the account XXXX XXXX XXXX. 
I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Product: Checking or savings account

On XX/XX/year>, I received an email from CHASE stating that my account had been closed due to suspicious activities. I called the number on the back of my card, and the customer support agent informed me that this was the bank 's final decision. Although I had not engaged in any suspicious activity, I understood and accepted their safety protocol. 

The agent assured me that the remaining balance in my account would be mailed to me as a check within approximately 20 days. However, when I called again later, a different representative told me that the matter was still under investigation and that I would receive the check once the investigation was concluded. This left me confused, as I was previously told that the account closure was the final decision. Why is there still an ongoing investigation? 

The agent mentioned that the investigation would take an additional 14 days, but I have not heard back since then. I believe I have over {$2000.00} in the account, which is my daily savings for college expenses. This delay has caused significant inconvenience and financial strain on my XXXX XXXX. It is my money, and I urgently need it to manage my daily expenses. 

Also they send me a letter but I can't view it, because they've already closed my accounts and I can not login to my online account. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : 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 have inquiries on my credit report that do not belong to me
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX XXXX credit card with a {$0.00} balance. 
Account is factually stating incorrectly Account is paid off yet stating as payment status of collection charge off. Both XXXX and Experian are reporting account paid off with {$0.00} balance with a payment status of charge off. Previously, XXXX reported perfect payments OK as agreed on payment history. after dispute, XXXX removed, partial ok as agree from payment history and replaced it with consecutive charge off. delete last payment with XXXX reports at XX/XX/2016 where payment history is reporting date last payment as XX/XX/XXXX. There is no way that account can be paid off and yet you continue to report the payment status as collection charge off and to delete payment history and replacing with charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been XXXX since XXXX XXXX deleted a trade line on my credit report. I have submitted multiple disputes for the trade-line to be removed and Experian continuously verifying account meaning no investigation was done on the first place. Fair Debt Collection Practices Act FDCPA XXXX [ XXXX XXXX XXXX ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the unconfirmed tradeline. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of XXXX XXXX XXXX et seg, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. something de done Please Note : This notice is an attempt to correct your records, and any information received from you will collected as evidence should any further action be necessary. This is a request for information only, not a statement, election, or waiver of status. 

Attached is documentation from XXXX XXXX XXXX  stating account had been deleted but upon checking on report, account ( tradeline ) is still active on credit report. DELETE THIS UNCONFIRMED ACCOUNT IMMEDIATELY!!!
Product: Debt collection

Portfolio Recovery called my job on XX/XX/2022 at XXXX XXXX. eastern time. Portfolio Recovery was told not to contact or call my job anymore. Portfolio Recovery did not listen to my request to do not call my place of employment and they proceeded to call again on XX/XX/2022 at XXXXXXXX XXXX. This is a violation according to15 USC 1692c : Also, Portfolio Recovery has sued me and taken me to court and the judge dismissed the case due to Portfolio not proving that I owed the debt and they did not show up.
Product: Credit card or prepaid card

ComenityXXXXXXXX account was opens fraudulently in my name. I do not know nothing about this account. I used to work at XXXX but managers open this account without my knowledge to make sales in order not to lose their jobs. I will be filing a lawsuit in small claims court for fraud. This account been on my report for years without my knowledge and I just recently seen it on my credit report on XXXX, XXXX and XXXX.
Product: Credit card or prepaid card

Today banks and credit card companies have disproportionate advantages and monopoly on transactions. 

Citigroup is using that monopoly to punish lawful merchants of firearms. This abuse sets a dangerous precedent of companies that are gate keepers for a consumers money and is extremely harmful. Today it is firearms but this is possible with anything a credit card processor may agree or disagree with.

Citigroup should also be punished for the age discrimination they are attempting to impart on the merchants in question. 

I would like to know how Citigroup is going to remedy this situation and what the next steps are from a corporate governance perspective. Specifically Id like Citigroup to define how their bank will or will not interfer with lawful transactions going forward.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the 3 credit bureaus ( XXXX, Equifax, and XXXX ) were not reporting accurate information. The late payments reflected on my accounts between the dates XX/XX/XXXX and XX/XX/XXXX were incorrect recordings of missed payments during the loan forbearance period. I have since paid my XXXX XXXX account off and is now closed. Enclosed I have copies of the 3 credit bureaus inaccurately reporting late payments during that XXXX global pandemic found on my credit report. Please investigate this matter and contact the nationwide credit bureaus to have them remove the disputed items as soon as possible.
Product: Debt collection

I did not consent, nor benefit from, or authorize any of the following account : Midland Credit Management - Account XXXX XXXXXXXX - {$780.00}
Product: Debt collection

Company continues to contact me daily via phone, text and/or email ; despite having already discussed issue and reached agreement. Company refuses to cease harassing amount of contact.
Product: Debt collection

My spouse received several phone calls from a debt collector called " Matthews & Michaels ( XXXX XXXX ) '' asking for a person with a similar name to mine. She told them that no one of that name lives here and hung up, and did not answer calls from that number after several initial calls. 

On XX/XX/XXXX, three men in a large pickup truck from an agency called " XXXX XXXX XXXX XXXX '' came to my home asking about a vehicle that I have never owned and asking for a person with a similar name to me. They did not initially identify themselves but just said they were here to talk to me about this vehicle. When I said I was not the person they had named, they began to leave, but I asked them who they were and who had sent them. They had paperwork that showed that they had been sent on behalf Matthews & Michaels, and they allowed me to photograph the paperwork. I have attached this paperwork to this complaint. 

The paperwork shows my address and my wife 's phone number listed with a person with a similar, but different, name. It also lists other addresses that I have never lived at or been associated with, as well as a vehicle I have never owned or driven. 

The paperwork lists the following contact information for the two companies involved : Matthews & Michaels ( XXXX XXXX ) XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone : XXXX Fax : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit card or prepaid card

I opened an account with Huntington in 2019. I made XXXX in purchases and paid them all off. I change the payment during the third month to minimum payment due. It's still processed out the full payment out of my bank account. I contacted Huntington to see if this could be reversed and I could just make the minimum payment for that month I still would owe zero interest if I did so. The representative over the phone let me know that she could reverse the payment and I had already made enough payment that month to cover the minimum and I would owe no interest. The next month I did not get charged interest but my account randomly got shut down. I called and asked why I had been closed and they gave no definitive reason. They did confirm that it was not because of the payment issue the previous month. I got a letter in the mail stating it was because of a returned payment. I contacted Huntington multiple times to try to fix the situation and clear things up. They stated that they could not reopen my old card and that I would need to reapply to open up another card. I reapplied and was declined twice despite opening other lines of credit since without issue. I closed my checking account and will not be dealing with Huntington again -- this is bad business discriminatory and disgusting in my opinion/
Product: Credit card or prepaid card

I have a XXXX XXXX Card with First National Bank of Omaha which is serviced through XXXX XXXX. The XXXX XXXX credit card has a travel benefit that reimburses {$100.00} for Global Entry ( a program that helps passengers get through airport immigration more quickly ) and {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ). On XX/XX/XXXX I paid {$100.00} for Global Entry and after MANY customer service calls to First National and XXXX XXXX I have yet to receive my {$100.00} credit. The last customer representative I spoke to was XXXX with XXXX XXXX and he informed me that I would get the credit " soon ''. This call was made XX/XX/XXXX. On XX/XX/XXXX I paid for an intinary change for {$410.00} and expected to be reimbursed {$100.00} for discretionary airline spending. The story is the same, after many calls to customer service on both ends I still have not received a dime. I hope I have provided enough information. Thank you very much for your help and your continued service. Please have a good day!
Product: Debt collection

XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern The late payments status on my credit report are invalid and inaccurate. I have requested credit reports agency. Credit Bureau fail to verify inaccuracies.I have not received supporting verification of documents of being late on account This a violation of 15 usc 1666 b Please delete the inaccuracies. 

XXXX XXXX XXXX date XX/XX/22 XXXX XXXX XXXX Date XX/XX/22
Product: Checking or savings account

On XXXX XXXX  I put in a fraud claim to Wells Fargo from XXXX XXXX about my account and over XXXX dollars was taken out of my account through XXXX transactions where I didnt authorize and or have any knowledge of Wells Fargo is not trying to reimburse me all of my money I have been calling and even did a police report on XX/XX/ about wells Fargo and my bank account. I was XXXX  and couldnt follow up to report my bank account. I released from XXXX on XXXX XXXX They are giving me a hard time and some customer representatives are being rude and disrespectful on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been a Victim of Identity Theft. There has been one or more fraud accounts .On my credit report that I'm not aware of. I'm reporting these accounts to be investigated indicating 605B Code 15 Section 1981I. I'm asking these accounts be deleted and removed until A Further investigation has been enforced. My Credit is very important to me. I have had many issues due to inaccurate information on my credit reports. These accounts need to be addressed and deleted until Further due diligence is determined. 

Also wanted to state that XXXX XXXX did not at all have my permission to have a loan in my name what so ever. Im reaching out to you for your help. Please have this removed from my credit reports and to do something about this company. 
thank you so much for your help I greatly appreciate you from the bottom of my heart.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my CoreLogic credit report XX/XX/XXXX. I received the wrong credit report on XX/XX/XXXX. I reached out to CoreLogic to let them know they sent the incorrect XXXX credit report. On XX/XX/XXXX I received my XXXX credit report. I seen some items I didn't agree with so I started a dispute. In there letter they mentioned if a consumer shall find any inaccuracy that the agency shall conduct a reasonable investigation. I found that hard to believe. I never received any validation with my signature on it which I asked for on XX/XX/XXXX for validation. Corelogic responded back on XX/XX/XXXX stated it was verified, still no copy with my signature. I wrote back on XX/XX/XXXX asking again. CoreLogic responded back on XX/XX/XXXX stating that they already verified and I need to contact the creditor to confirm validation. Why would I contact the creditor, Corelogic is the one reporting the inaccuracy on my credit report? Then XX/XX/XXXX CoreLogic suggested again that I need to check with the creditor. If CoreLogic doesn't have validation ( signed contract ) with my signature on it, they need to remove/delete inaccurate information reporting. They then tell me in the meantime they have open a dispute on my behave. I find coreLogic in violation of my consumer rights and I like to seek relief and recover all monetary damages that I maybe entitled to section 617,616
Product: Debt collection

I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. 
My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. 
I filed Chapter XXXX BK in 1999. I included all credit card debt at that time. 
My credit report shows the Planitff as Cach LLC ( XXXX ) with an amount owed of {$6300.00}. After calling CACH, they sent me to XXXX XXXX XXXX CO who apparently now has the debt. I spoke with XXXX XXXX ( XXXX ) who informed me that the debt was from a XXXX XXXX account. The debt is now {$9500.00}. I pulled my BK papers and reviewed the debt that was included in the BK and non show XXXX XXXX. I know there are a few credit cards companies listed on my BK papers that are no longer in existence which is hard to follow and obtain docuemntation ont his debt. 
I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. 

I would like proof that this debt exists and how I owe {$9500.00} when the judgement shows XXXX. 

Please call me at XXXX if any additional information is required as I would like to resolve this matter ASAP.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The list of Accounts has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681 Account Name : XXXX Account number : 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 15 U.S.C. 1681 Section 602 States I have the right to Privacy 15U.S.C. 1681 Section 604 A Section 2 It also, states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all items ASAP
Product: Checking or savings account

I am writing to file a formal complaint against Bank of America. Since XXXX, the bank has been withholding my funds and not allowing me to withdraw them. They have informed me that my account is in the process of closure and that I must wait an additional 90 days for a check to be mailed to me. 

This situation is causing significant hardship for me, and I am seeking your assistance in resolving this matter promptly. 

Thank you for your attention to this urgent issue.
Product: Student loan

The company now servicing this loan is taking me to court for non-payment. A XXXX  XXXX bankruptcy was filed and XXXX in XXXX of XXXX. The loan amount far exceeded the tuition fees and was paid directly to me. This debt is XXXX XXXX XXXX and according to California State law where the loan is provisioned, has a time bar of 4 years to sue on written contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX  XXXXXXXX Via Credco XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX