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

This letter is to inform you that 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. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX  XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

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 DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE 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.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card or prepaid card

This bank has discriminated against me numerous times they respond saying I cant have an account when I never had one Im avictim of identity theft their credit department told me to apply for a secured card which I have and their fraud department is very nasty to me Im tired of they esybim treated by then they refuse to process my application. And their credit department says I should build a relationship but they wont allow me this bank is crazy must be investigated they tell me to write them a letter like I have time for that to their office Of the president I wish they would contact me in regards to this this is not nice the treatment and lies of this bank they arent horibke I wish they went out of business
Product: Debt collection

According to asset systems ( the debt collector ) I had gone to XXXX XXXX hospital back in XXXX. I honestly dont recall going bit apperently I was served papers in XXXX of XXXX for a garnishment suit. They explained that I was served at XXXX by a 3rd party carrier though no signature from myself was required. I attested that I never received anything from them. The debt amount in question is XXXX. 
A few days ago I received a letter in the mail stating that I was being garnished starting on XX/XX/XXXX. I checked my credit report and have never seen a bill on there for said amount. When I called them to find out about the debt I was told that I had given numerous excuses why I couldn't pay my debt. One such excuse was that I couldn't talk because I was driving. I am visually impaired and can not obtain a valid driver 's license. It felt like falsified information. After the agent was no help, I asked for the supervisor. I was told that my deadline to dispute the debt ended in XXXX. If I had actually heard from them in the past decade, I would have tried to fix any problems that arose, since I did not hear from them, I had no idea I even had a debt. It's clear that they spoke with someone, but it wasnt me. Up until a few days ago I had no idea the company even existed. I was also told that they would garnish me for 90 days BEFORE they would allow me to make payment arrangements. I had asked for the managers desk phone and the supervisor said that she would not be in until Thursday of this week. ( Yesterday ( I  left a voicemail requesting the original bill and have not received any correspondence from the manager. 

I just want to get to the bottom of this, if it's a fair debt I will pay it, but too many things dont add up.
Product: Checking or savings account

My paycheck did not deposit Thursday morning ( XXXX ) as the per usual into my checking account. The only info I had provided to me was the mobile app which said they were having " technical issues with a third-party vendor ''. After going online, I found out this was a widespread problem of other countless Capital One customers. People had not received their deposits Wednesday or Thursday. When I called a representative on the XXXX in the afternoon ( XXXX ish ), I was told again it was " technical difficulties '' and it should be resolved by the end of day. By XXXX on Thursday, I received the first ( and only ) formal notification from Capital One through email that they were having issues. The email stated the issues should be resolved by the end of day or Friday morning, the XXXX. It is now past XXXX on Friday the XXXX and funds from my paycheck are still not in my account and available for use. The only other update I've received is on the mobile app, stating they are currently working on resolving the issues. No official ETA has been given, no statement provided, or exact info given on what is causing the disappearance of everyone 's paychecks. My paycheck has been processed and Capital One is preventing me from having any access to my deposited funds.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and I request the immediate blocking and deletion of the following accounts and inquiries that have been fraudulently opened or reported in my name. As provided under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I recently pulled my three credit reports, nearly all of my credit history is completely missing. There are only 4-5 somewhat recent accounts and everything else in all three reports is absent going back to approximately XXXX, when I turned XXXX. 

The addresses associated with where I have lived also have problems dating back to approximately XXXX. The addresses are mostly correct, however, there are duplicate addresses which are listed as single family residences when the address is an apartment complex. 

Also, the name they have listed is not my given birth name. They have my name as " XXXX XXXX XXXX '' when my actual birth name is " XXXX XXXX XXXX XXXX '' All three credit reports are attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately thank you
Product: Student loan

On XX/XX/XXXX I was noticed a charge of {$420.00} on my checking account and it was a debit card charge from Navient. This was very shocking to me because I 'm in school and all my loans are in deferment. I called Navient the next day and I was told that I have on a recurring payment plan and that I had been on the plan since XX/XX/XXXX. I was then told that this plan was not canceled and I would have to pay the {$420.00} but all future payments would be canceled. I told them that his does n't make any sense because I was under the impression and once I 'm in school student loan payments stop. They proceeded to say that they have been attempting to take {$420.00} every month since XX/XX/XXXX but had been decline due to insufficient funds in my checking account. I never got a letter or phone call or email stating this. When I started going to school in XX/XX/XXXX I called Navient to notify them that I would be going to school and they said that nothing on my end had to be done and that the school will notify them and then at that point my loans will go into deferment. They refused to credit me the {$420.00} and I 'm having to go through my bank to file a claim in order to get the {$420.00} back. I 'm very dissatisfied with the disrespect and lack of sympathy this company has for its borrowers.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Debt collection

This debt collector attempted to impersonate a government agency and investigate me for fraud because I havent had a chance to make a loan payment. Instead of contacting me via phone or email or mail they called/texted me and my ex husband whom I did not provide contact information for. I called the agent who then said it was global solutions not the government agency they were claiming to be. She then yelled and cursed me out for pointing out the collection tactics were in violation of my rights, abusive, and illegal. I ended the call and she then proceeded to continue to text me threats.
Product: Debt collection

Discovered a collection/chargoff from a debt collector on my credit report. Called the original lender, XXXX XXXX, and confirmed an account ( XXXX ) was opened with my SSN fraudulently. I never received emails, phone calls, or mail about this account, debt or anything. Which is why it took so long to discover it.
Product: Credit reporting or other personal consumer reports

There reported a closed account on my credit report and the date and amount not accurate and it reported on my credit two times
Product: Debt collection

We are living at XXXX 's XXXX for XXXX and decided to do month to month basis because we are looking for another place to rent. It was XXXX XXXX XXXX to XXXX. We cleared everything and gave them the 60 days notice 2 months prior to our contract. XXXX from Columbia Debt Recovery the amount of XXXX is filed as a collection debt in our name. We keep calling the collection and they can't do anything about the debt. We called the manager of the property and until now they couldn't solve the issue. Now that we are need of an apartment we can not get approve because of the record that is showing as a collector. We have voice recorded line as a proof that we try and try to resolve the issues. And also the 60days notice before leaving the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that 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/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a hard inquiry on my XXXX credit report from Bank of America. Then I received a letter from them saying they discuss this with me because I applied for a Balance Assist loan from Bank of America. I told that I made a mistake, I did see that this process would put a had inquiry on my credit report until I selected Apply. I was doing this on my phone.
Product: Checking or savings account

Ok the problem is SunTrust bank, in my work they pay me on Friday I deposit the check at same Friday and the bank puts the check on hold for over a week. 
I call my boss and he chow me his bank online and SunTrust take the money next day after depositing .I call sun trust customer service meni times and they don't know what is happening w my money Thanks I hope you can help me to find a answer
Product: Credit card

I initiated a balance transfer from my Citi credit card to another card on XX/XX/year>. Since that time, I have received multiple assurances from Citi customer service that the transfer would post by specific dates, but it has not. The dates I was given were consistently missed, and I was told the transfer would post by XX/XX/year>, and then by XX/XX/year>. As of today, the balance transfer is still pending, and I have received no clear explanation as to why it is delayed. 

Due to this delay, I am now facing interest charges on my other credit card, which I would not be facing had the transfer been processed as promised. I have been told by Citi that this delay could continue " indefinitely '' without any resolution. 

All calls have been recorded and transcribed.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. These accounts contain inaccurate information in their reporting. Compensation of {$1000.00} is expected for each mistaken entry on my credit file.
Product: Debt collection

I have been out of work for most of XX/XX/XXXX due to moving, illness, and a car accident. I have received repeated calls from Sterling Jewelers/Kay Jewelers during this time in an attempt to collect a payment from me on an account for which I owe less than {$120.00}. I have tried to make the payments when they set them up but with no steady income I have been unable to follow through. They call up to 4-5 times a day, often from different numbers, in an attempt to make me answer the phone I assume. I have blocked XXXX numbers to date that I know belong to this company and yet they still call. They call late in the evening as well. They are sometimes rude and continually ask when I think I can pay and I 've told them I do n't know as I am trying to find a job every day! I just recently was given a position but it does n't start until XX/XX/XXXX and they still want to know when I can make a payment.
Product: Mortgage

My name is XXXX XXXX XXXX, I have a VA loan that is serviced by loanDepot, XXXX. XXXX XXXX, XXXX, New Jersey XXXX. Customer Service telephone number : XXXX. 

When I purchased my home my wife was not on the loan. I would like to add her to the loan. 

On three ( 3 ) separate occasions, over the last 5 months I have called my lender, loanDepot, and have requested documentation from them so that I can add my wife to the loan. 

All three times I have been assured that I will be receiving the documents in the mail and it will take 5 to 7 days. 

I have yet to receive the documents. If they are sending them via the mail, it most certainly isn't to the address on the loan. 

I have called and the Customer Service Representative looks into the computer data base regarding my loan and finds no mention of my request or of the documents being sent. I have requested to speak to a Supervisor but none are ever available. 

My next step after this is to contact the VA regarding loanDepot 's lack of support for Veterans. 

I am curious as to the motive of loanDepot for not providing me the capability of accomplishing putting my wife on the loan.
Product: Debt collection

They called my parents house telling them I will be taking to court if I do not pay my bill
Product: Credit reporting or other personal consumer reports

i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

" I

was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. Inquiry Details : Ask the creditor to
provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Checking or savings account

I am a XXXX XXXX member. I came to deposit XXXX XXXX into my XXXX account at the atm outside of this location ( XXXX, XXXX ) on a XXXX evening. The ATM took my money, failed to deposit it into my bank account and proceeded to print out an error message telling me something went wrong and to contact my financial institution. It did not give me back the money I deposited nor did it post to my account. Their ATM literally stole from me. 

I immediately called XXXX XXXX. As a member I expected this to be resolved ASAP with urgency. Instead the XXXX person to answer tells me he will transfer me to the " disputes '' department. While on hold, the automated system told me there was a XXXX hour hold for that department and that I would he placed on a call back queue. I waited. 

I finally get the call back. The lady was completely unempathetic of the situation. She told me it could take XXXX XXXX DAYS to " investigate '' this incident! Are you serious?! I need this money now and this is XXXX XXXX 's mistake. There should be URGENCY! I explained I was not the only XXXX struggling with the ATM and that it should be noted as OUT OF SERVICE IMMEDIATELY so no one else has to go through this! She said " yeah I wrote a note about it on your claim ''. It seems she wrote that note on my case and not actually put an alert that the ATM is down in real time! I am completely repulsed by XXXX XXXX. 

I asked what am I supposed to do? I need this money and got forbid it happens again in the future with large sum of cash. With technology these days, ATMs can be quickly audited within XXXX for extra or missing cash and it does not take XXXX XXXX days to provide me a provisional credit at least! She said they would not even offer provisional credit until the XXXX BUSINESS DAY of claim! XXXX XXXX does not care about its members. All of this for XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # 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