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

I have previously sent letters requesting verification of debt to XXXX XXXX XXXX XXXX XXXX XXXX immediately after noticing the new collection on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Experian with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Experian send me the documentation that was sent that convinced them to verify the debt. Experian responded by telling me that they could not and to speak with the company directly, which I have done for almost two years now. XXXX was unable to verify the collection so it was immediately removed. However, Experian refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX, XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$210.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 

I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request validation of this debt and your ability to collect this from me. I ask that you prove that I am indeed the party who is contractually bound to pay this debt or stop collection activity and remove all together. 

Please attach copies of the following documents 1. Agreement that you have the authority to collect on the alleged debt 2. Agreement that bears signature of the alleged debtor with promises to pay original creditor 3. Complete payment history on this account, to prove that the amount you wish to collect is correct. 


I hope your legal staff will agree that noncompliance with this request will result in a serious legal trouble for your company. 

Please help me remove this from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I Last reported : XXXX XXXX, XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$550.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Last reported : XXXX XXXX, XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$310.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$300.00} Needs Attention XXXX XXXX I Last reported : XXXX XXXX, XXXX + {$68.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$38.00} Needs Attention
Product: Checking or savings account

On XX/XX/XXXX night, I tried deposit {$2000.00} cash into my checking acount, at Bank of America, address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I use the drive thru ATM, I counted {$2000.00} cash both are {$100.00}, then machine just eat {$800.00}, returned {$1200.00}. 
On XX/XX/XXXX, I walked into that bank talked to staff and manager, they said I will get temporary credit within 2 business days. 
On XX/XX/XXXX, I walked into that bank, talke to the manger and staff again because no one dollar get into my account. Then they ask me to call the service line, the service line staff told me I can get temporary credit within 2 business days. 
Yesterday XX/XX/XXXX, I walked into that bank again, because I still get nothing. The manager ask me to call the service line again, I called, there is a lady on the line, she said I can not get credit until XX/XX/XXXX! She said my account balance is too small, my claim is more than my account balance, she lied, in fact my saving acount have {$7000.00}. And her attitude is not respectful at all, when I said please speak slowly my English is not good, then she made weird noise, I have the phone records.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 Account name : XXXX XXXX XXXX account # XXXX ( Original Creditor : XXXX XXXX ). The XXXX XXXX account was not authorized by the consumer. An investigation into this account on XX/XX/2023 by XXXX XXXXXXXX determined that the consumer did not authorize this account that is showing as " in collection '' status, and issued a credit of {$220.00} to cancel the debt, and remove the account. The account is CANCELED, NO LONGER IN COLLECTION. The debt has been reversed by XXXX XXXX. However, the account is still listed on the credit report has in collection, derogatory, and collection/charge-off. The account has been canceled, the debt has been reversed by the company. Consumer is requesting that the account be removed from the credit report. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a consumer 's account information without their 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX XXXX of XXXX, an amount of {$1500.00} was added to the payoff amount of my mortgage. I was not notified of why these additional charges were made. In XX/XX/XXXX, I received late fee notice of {$510.00} to my now transferred account. These fees are overcharged amounts for late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
Equifax states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history XXXX  show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
Product: Mortgage

We obtained a second mortgage with SLS Specialized Loan Servicing when we purchased our home in XXXX. Two years later in XXXX property values started to decline and mortgage companies started to go out of business which lead to losing my job of 10 years. They were extremely difficult times for my family financially and emotionally. We started to fall behind with our bills and our mortgages. I was able to modify my first mortgage lender. I continue to fall deeply behind with our second mortgage with SLS. We tried to modify the second mortgage several times after we felled behind but SLS would not work with us and gave us the run around. Through the years I tried again to modify not knowing who can assist us. We did not receive phone calls from SLS for a few years. Not until a year ago or so when property values started to increase, we have aggressively been receiving letters requesting large amounts of money to bring the loan current, money that we do not have. We also received many letters stating different options SLS offer to help us with our situation. It was very confusing what the letters meant. We understand that it is a debt we still owe, so I reached out to SLS in XX/XX/XXXX and was connected to my contact Relationship Manager XXXX. I gave him my information and told him I was reaching out for assistance, in a I do not care manner he said Sorry its too late these words to date are heartbreaking. After that call we continue to receive letters, we were not sure if we should reach out to SLS again. Amid COVID-19 pandemic SLS filed A Notice of Default on XX/XX/XXXX. We were devasted not fully understanding what was going on. We want to stay in our home, my XXXX XXXX live with us and I take care of them full-time, there ages are XXXX and XXXX. Out of despair we went online and submitted a request for a loan modification. To my surprise we received an offer, we were shock because XXXX our Relationship Manger had told me back in XX/XX/XXXX that it was too late. The 3-month trial offer comes with the condition we give a down  payment of {$49000.00}. On XX/XX/XXXX I express to SLS that we do not have the down payment and to add the money we owe to the balance of the loan. XXXX has been very rude and has stated that we must have the down payment they have requested, if we do not provide the funds the house will be sold. We asked for XXXX manger and they both gave us the run around. My husband is XXXX years old and his hours have been decreased because of COVID-19, we can afford the trial payment, but we do not have the down payment. We are living in a time of uncertainties, it is worse times now then it was for our family in XXXX, lending institutes need to reach out and help homeowners.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX CHAPTERBANKRUPTCYDISMISSED XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$590.00}
Product: Checking or savings account

I am writing to formally file a complaint regarding multiply overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy federal Credit Union, where transactions settled with insufficient balances despite having adequate funds. I believe these practices are deceptive and unfair.
Product: Money transfer, virtual currency, or money service

I have been locked out of my coinbase/XXXX account for 30 days. 
I was never given a reason why I was locked out and all methods provided to contact customer service are dead ends. 
I have roughly {$200.00} USD and approximately .8 ETH ( roughly {$960.00} USD ) locked in the account and have no way to access it. 
I attempted to resolve the issue with the online customer service form on XX/XX/XXXX and was never responded to. 
I attempted to resolve the issue with customer service over the phone on XX/XX/XXXX and was never able to reach a representative. 
I attempted again to contact customer service via email on XX/XX/XXXX and was never responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from Equifax, freezing my credit should be free across the board at minimum. Better yet, they should automatically freeze all credit until you unfreeze it.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my dissatisfaction and frustration regarding the late opening of my account with your institution. I initiated the process of opening an account with your organization, expecting a prompt and efficient service. However, to my disappointment, the account was not opened within the agreed-upon timeframe. 

The delay in opening my account has caused several inconveniences for me. I had planned to utilize the services provided by your institution for various financial transactions. Due to the account not being opened on time, I have been unable to carry out these activities as intended, resulting in disruptions to my personal and/or business affairs. 

Moreover, the lack of communication regarding the reasons for the delay only added to my frustration. I understand that unforeseen circumstances may arise, leading to delays in certain processes. However, as a customer, I expect transparency and timely updates regarding any such issues.

I urge you to take immediate action to rectify this situation. I kindly request that my account be opened without any further delays and that measures be implemented to prevent similar occurrences in the future. Additionally, I would appreciate it if you could provide an explanation for the delay and assurance that steps will be taken to improve your service standards. 

Please consider this matter with the urgency it deserves. As a valued customer, I expect nothing less than efficient and reliable service from your institution. I trust that you will address my concerns promptly and take the necessary steps to ensure a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another 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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps calling me and advising they are prosecuting a fraud action against me. They do not leave the name of the company or any information on what their allegations are or who they are calling from. They are demanding a call back from me or my attorney or they will file a complaint. 
There is currently no open collections proceedings against me. The calls seem to happen after calls from a " Portfolio Recovery '' calls. The Portfolio Recovery " Collection '' is now over XXXX XXXX XXXX and unable to be pursued, but they just change the account information to show it new. I do not know that this is the same company, but again, they seem to call at the same time and again this is the only active, but unprosecutable issue on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve check my Credit And there are some fraudulent activity going on with someone using my name. they are opening accounts under my name. I did not authorize any one to use my Identity at any Time.
Product: Credit card

I canceled my autopay on my XXXX XXXX XXXX  which they dont dispute. However for 12 months, they continued to auto draft a bank account I dont use anymore and I was paying my bills with my debit card. The auto pays were being reversed of course, it racked up fees for that, late fees and interest and they closed my account. After they closed my account they still let the card be charged and I dont even know what those things are and they wont tell me. They wont take any time to sit and go over the bills with me. I dont dispute that I owe them a few XXXXXXXX XXXX. But they keep billing me for {$700.00} or more and the account is closed. Ive paid it anyways because I wanted my credit to not be affected. However, the principle is not going down and fees are still being charged.
Product: Debt collection

On XX/XX/XXXX, Convergent Outsourcing , Inc. a collection company, began to report a collection account to my XXXX and my XXXX reports, claiming to have a debt that belonged to me from XXXX for a cable bill in the amount of {$560.00} that I allegedly owed from XX/XX/XXXX. On XX/XX/XXXX, I sent a letter to Convergent Outsourcing , Inc., asking them for proof of the debt and asking for the proper documentation that actually validates the debt. In response, they only sent an itemized list of charges, but they did not give me a signed contract or any other documentation that properly validates the date. On XX/XX/XXXX, I sent another letter to Convergent Outsourcing , Inc., again  asking for proper proof and validation of the debt that they said that I owed. I also asked that they remove the debt from any of my credit reports ( namely XXXX and XXXX ). Again, they sent the exact same letter with the same information as the 1st letter. I also disputed this information with XXXX and XXXX during XX/XX/XXXX through XX/XX/XXXX, and both credit bureaus reported the collection account with Convergent Outsourcing , Inc. as verified, but I was never given information about how the debt was verified from either Convergent Outsourcing, Inc. or from either bureau, even though I asked. During XX/XX/XXXX, I also sent a letter to Convergent Outsourcing in which I offered to make a lump sum payment of a specific amount ( without acknowledging that the debt belonged to me ), if in return, this information would immediately be deleted from my reports, However, they have not responded to me at this time, and I am no longer willing to consider paying anything to Convergent. I am asking is that Convergent Outsourcing either properly verifies the debt or immediately remove this information from my credit reports. A copy of the response letter that was sent to me from Convergent Outsourcing will be attached. A copy of the last two response letters that were sent to me from both XXXX and XXXX will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a secured loan with XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/XXXX. This is not an actual loan where they provide {$1000.00} - it is an artificial loan where they are paid XXXX XXXXXXXX to report on my credit positively. Long story short - I had my credit card on file and I had been charged monthly without any issues. For some odd reason, during XXXX and XX/XX/XXXX- my card payments did not process and I was slapped with XXXX late payments. I reached out to the company and asked them why they did that considering that my card on file was not removed. There are a lot of complaints about this company for screwing over their customers by refusing to refund people. They claim they would refund XXXX XXXX or more of what I paid but I haven't been refunded for anything. I just want those late payments removed because I did NOTHING wrong and it is on their end for having failed to process the payments.