23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a federally protected consumer and Trans World Systems Inc. has violated me under the provisions of 15 USC 1692. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX showing there no information to verify from there records
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and frustration regarding the inaccurate reporting of a late payment on my account for XX/XX/XXXX. This late payment, which has been reported to the credit bureaus, has significantly impacted my credit score and jeopardized my ability to secure a mortgage that is crucial for providing stable housing for my children. I believe the late payment report to be unjust, and I respectfully request its immediate removal from my credit file. 

As a single mother, I have made every effort to ensure financial responsibility to support my family. I have been a loyal customer of XXXX XXXX XXXX since XXXX, consistently making on-time payments. Unfortunately, in late XX/XX/XXXX, I underwent an unexpected XXXX, which was compounded by a sudden loss of income in XX/XX/XXXX. These unforeseen circumstances temporarily affected my ability to make my payment on time. However, I proactively communicated this situation to my local XXXX XXXX branch and assured them that I would make full payment by the end of XXXX or early XXXX. True to my word, I made the payment within the specified time frame. 

Despite this, I was dismayed to find that the payment was reported as late to the credit bureaus, which I believe is not a fair reflection of my account history or the efforts I made to rectify the situation promptly. I reached out to XXXX XXXX  executive office for assistance, only to be informed that no goodwill exceptions are made and that they would not consider removing the late payment unless I provided a recording or phone log of the conversation. I am confident that I spoke in good faith with a representative, explaining my circumstances and expecting that my prior positive payment history would be taken into consideration. 

The reported late payment has caused a significant drop in my credit score, impacting it by XXXX points and putting my ability to secure a mortgage at risk. This is especially concerning given my longstanding history of responsible payments with XXXX XXXX XXXX. The loss of this opportunity has placed me in a distressing position, as I am at risk of losing the home I have worked so hard to purchase for my children. 

I believe this situation underscores a broader issue of fairness. XXXX XXXX XXXX promotes the importance of financial stability, yet my efforts to maintain that stability in the face of a temporary hardship have not been met with understanding or reasonable accommodation. Given my otherwise responsible account history and the extenuating circumstances surrounding this issue. I ask that you will review my case in a manner that reflects the values of fairness and compassion that XXXX XXXX XXXX claims to uphold.
Product: Credit card

It appears capital one closed my account and took away my earned points in retaliation for filing a prior complaint with your organization. This has damaged my credit. They also have yet to resolve my prior complaint.
Product: Checking or savings account

On XX/XX/2018 Bank of America without warning changed the balances on both my checking and savings accounts to - {$880000.00}. This was done with NO correspondence from Bank of America, no  phone call, no email, nothing. I later found out these represented holds on my accounts. I had no access to any money for the day. I noticed it the day it happened and contacted them about my accounts being frozen, and they wouldn't give me any information, only that I had to go to the bank branch with 2 forms of ID. So I did the next morning, at which point the bank unlocked my accounts. I thought everything was back to normal and they just wanted to verify my identification, although it was a very outrageous way of doing so. 

It wasn't until after that weekend on XX/XX/XXXX that I noticed a fraudulent {$1800.00} charge on my account. Again after calling and visiting the bank I was told there was nothing they could do until a picture of the check was uploaded. Finally on XX/XX/XXXX this picture of a bounced fraudulent check that was deposited on my account showed up. This was all officially reported to the fraud department by a bank employee on XX/XX/XXXX at my nearest branch. They then closed my checking account and opened up a new checking account as the fraudster may have had access to my checking account number. I can only speculate ( as I still have been given no information by the bank ) that someone deposited this fraudulent check at a Bank of America claiming to be me, and that the teller believed this person was me and gave this person {$1800.00} in cash for this fraudulent check, which then bounced and was put as a chargeback on my account for {$1800.00} along with a fee for a bounced check. The bank did return the fee. 

It is now XX/XX/XXXX. I have still yet received NO correspondence from Bank of America about returning the funds to my account. I have filed a police report with the local police department, I have locked all my credit reports, I have filed a report with the FTC. I have called their check fraud department twice now for updates and am told after nearly 2 months they have no update and no information. This has been a nightmarish experience that has caused a great deal of hardship to my family with a total lack of communication and lack of empathy or urgency by Bank of America. And I feel that it is due to their failure to identify a fake check, and to properly identify their customers before handing out such a large sum of cash. My funds no longer feel safe at this bank.
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 this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

We applied with our current mortgage company on XX/XX/2021 to refinance our existing loan with Newrez to reduce our current interest rate and reduce the number of months left on the loan. We provided income verification on numerous occasions signed electronically the required disclosures, completed all assigned tasks. The Underwriter continuously asked for updated income. I asked what seems to be the issue or misunderstanding of our income : Workers Compensation ( LTD ) Wages Social Security Penson income Throughout the Underwriting process, I asked why is there an issue with the income that was provided and verified by current employer along with the LTD income. Meetings were conducted with employer and Underwriter. We never received notification of the status of our refinance request, only to find out that Newrez place the refinance file as " Inactive '' without as much as a notification or determination. We were promised calls that never occurred, we have numerous emails stating that " Underwriting '' finally understood our income. It appears we are being discriminated against based upon our type of income and Newrez ' failure to provide us with a written reason for the outcome of our refinance request. 
XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry does not make sense to me, I can not remember it, so please remove it immediately. Provide evidence that this is mine. If not, delete it. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello to whom it XXXX concern 1st they called from a number located in Missouri, then called again from number located in Baltimore then another number located in XXXX  Michigan. Company name is First Credit Services but when I answered the phone they guy used another name for the company. I feel as if its some fraudulent shady stuff going on with this company. I asked to speak to a supervisor on one call i answered the phone and it sounded like the same person on the phone just changed his name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - XXXX, XXXX and XXXX.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called Capital One Bank. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX. XXXX requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some accounts passed on that should be investigated. Per FCRA you are expected to correct and update these accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Honestly I do n't remember when I did the dispute directly with the XXXX XXXX and Equifax. XXXX XXXX has since deleted the balance owed of ( {$19000.00} ) because of an Offer in Compromise to the IRS and a balance of ( {$2400.00} ) which I paid in full by check to XXXX. 

But sent same information to Equifax I did tell them that I had an Offer in Compromise that was accepted by the IRS, etc, but they still show open balances. 

XXXX stil shows open balances. 

Thanks for your time and attention. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

After I log into the Capital One corporate website ( https://www.capitalone.com ), a screen appears that says:"Your account needs attentionFederal law requires us to add your business Employer Identification Number (EIN)Please call us at XXXX-XXXX-XXXXReference offer ID XXXX"HOWEVER, the phone number provided ( XXXX-XXXX-XXXX ) is listed by XXXX Search as being a FRAUDULANT NUMBER, asking all kinds of questions about whether the card is active or not, etc.I first received an e-mail a couple of months ago, checked the phone number out, and DID NOT provide any information.NOW, TWO (2) months later, this same FRAUDULENT NUMBER Appears ON CAPITAL ONE's OFFICIAL WEBSITE AFTER I log into the website using my credentials that have been set up for me on the site – for a long time….After being on hold for over an hour Friday, XXXX XXXX, 2018, I  was finally transferred to a “Fraud Department Supervisor” who did not provide her name in a legible manner. She continuously said that the “Offer Number” was valid and that the phone number was valid, so I was wrong about the fraud. Of course the Phone Number was valid. That has never been in dispute. What is in dispute is who answers the phone and what they do with the information once they get it.I no longer have ANY faith or confidence in the Capital One Fraud Department and desire the CFPB Office to take appropriate action before an unknown number of Capital One Business accounts get scammed and their businesses get ruined.
Product: Credit reporting or other personal consumer reports

I'm unaware of this debt. I did not have an opportunity to dispute this information prior to being reported. By law you are required to provide me with a notification within 5 days. If in fact you believe that you gave me proper notification, then please send me the certified receipt with my signature on it for verification.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a transfer to Binance.US from my Trust wallet in the amount of XXXX BNB. I forgot to add the memo number which is required to receive funds. I submitted a ticket and didnt hear back for 10 days. I had to reach out on XXXX to get a response. They asked me for numbers and screen shots and I sent them and still havent heard back from them. My ticket number is # XXXX. 

The customer service is non-existent. They allowed more customers to sign-up without employing enough people to cover potential issues. Having my funds not available in a reasonable amount of time is acceptable. Further, if this gets resolved they will be charging me a fee.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Knight Adjustment Bureau Address : Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX, XXXX, IN XXXX Dear Knight Adjustment Bureau I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

My identity was stolen me and my family will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft KIA MOTOR FINANCE {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XX/XX/2020 I have attached proof so that these payments can be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported my credit score as 1. They have accounts in my report that say that I am my deceased mother. They also have several wrong names, a wrong address, a wrong birthday and a wrong social security number. I downloaded the XXXX app to view my report. They say to call because it is a security risk to fix the problem online. When I call I can not get a person or an answer to my problem. The recorded message is all broken up sounding. The most information that i have gotten from calling 3 different XXXX phone numbers, is to send a list of items to fix the problem. The time line is at least 30 days. I need this issue resolved sooner than the next few months.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} XXXX XXXX XXXX XXXXXXXX - BALANCE {$1600.00} XXXX XXXX XXXX - BALANCE {$770.00} XXXX XXXX XXXX XXXX - BALANCE {$1900.00} XXXX XXXX XXXX XXXXXXXX - BALANCE {$1900.00} XXXX XXXX XXXXXXXX - BALANCE {$830.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - BALANCE {$3400.00} XXXX XXXX XXXX XXXXXXXX - BALANCE {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX # XXXX XXXX BALANCE {$1100.00} XXXX XXXX XXXX # XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX  XXXX - XXXX {$3000.00} XXXXXXXX XXXX XXXX  XXXX - XXXX {$3300.00} XXXXXXXX XXXX XXXX XXXXXXXX - XXXX {$390.00} XXXXXXXX XXXX XXXX XXXXXXXX - XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX - XXXX {$3400.00} XXXX XXXX XXXX XXXXXXXX - BALANCE {$660.00} Unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX