23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$1000.00} on account ending XXXX. On XX/XX/2021, Capital one closed my open end consumer credit plans without providing me with sufficient documentary evidence as why they closed the accounts. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Capital One has violated federal law by stating that I owe an alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Mortgage

It has been an arduous process getting NationStar to respond to my request in resolving account information. Today, I received via email a letter NationStar sent to the property address of the tenant ( XXXX XXXX XXXX ) and it was opened by the tenant/property manager. NationStar promised to send this same letter to my address on file, yet it was sent to the property address ( XXXX XXXX XXXX ). The letter is addressed to me at my correct address ( XXXX ) but arrived at the tenants home. NationStar has once again brought my tenant into a situation that is between XXXX parties. In the past, a representative from NationStar knocked on the door of the tenant months ago and asked questions along with providing a business card to her. My tenant should not be involved and NationStar is not upholding its end of the agreement by not providing information requesting. Instead, they are relegating me to a modification for 40 years at 9.875 %. This is definitely unlawful for {$280.00} Principal Balance that was not applied when paid in XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Midland Funding and XXXX XXXX are reporting an account from XXXX XXXX account # XXXX in the amount of {$720.00}. This is adversely affecting my credit score. I have written them both a letter on XX/XX/2020, which they received via the USPS on XX/XX/2020, asking for details of this account. XXXX XXXX responded with a letter giving me instructions to contact Midland Funding. I received no response from Midland Funding and it has been longer than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. 

It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. 

If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. 

I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.
Product: Bank account or service

Complaint is against Bank of America, where I have checking account and bank debit/credit card. At times when I have MORE than sufficient balance $ $ to cover transaction charges, the Bank indiscriminately triggers a DECLINE to pay transactions. Example : XXXX a purchase at Target, slightly over {$400.00} XXXX there was around XXXX this held in the account ). The card was declined with NO warning, with NO explanation. Also, my daughter 's card was declined. My daughter needed to pay the bill with another business account, in a final ditch effort to end the capricious conflict. This resulted in extreme embarrassment, and measures that were aggravating and time-consuming to clean up the intervening mess ( while preparing a college graduation event with family coming from all over the country ). The bank should have NO indiscriminate right to deny payments to vendors when I have plenty of $ $ in the account to pay the bills. That is MY money, not the bank 's. 
ALSO, Bank of America declines transactions when I am in another state, even though I live in a XXXX area ( XXXX, XXXX, XXXX XXXX and travel between them almost every day! They insist I post a 'travel ' note on the account, which has a temporary time frame. This is nonsense! Are we living in a XXXX XXXX world? The practices of the Bank of America which abuse consumers and prevent them from using their OWN $ $ must be criminal in nature. The XXXX government surely can not condone such practices. Preparing to remove my money and close the account. What 's next? Stuff it in a mattress? STOP these consumer abuses by criminal banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FRCA. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is accquainted or who may have knowledge concerning any items of information. 

They did not do this. 

Also. they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in inaccurate, the date of last active is inaccurate, and date last reported is not accurate. This grounds for removal,
Product: Checking or savings account

Venmo froze my account on XX/XX/2024, due to some sort of suspicious activity- which was Me. They said an email was sent to me asking for ID verification. I did not get this email, not in my inbox or in spam. I used both the support chat online, and called on the night of XX/XX/2024. In chat I was told I'd get an email after the chat, confirming the chat, etc. I did not get an email. Customer support said my case was being escalated to the account specialists, and that I would get an email in XXXX business days. I can not wait XXXX days, I need access to my funds now. I have to pick up my medication refill - my XXXX. Additionally, if I did not get the original email, what are the chances I will get the one I'm supposed to in XXXX days?
Product: Credit reporting or other personal consumer reports

I do not know this company called XXXX XXXX. I think these people are fraudulent or someone XXXX XXXX XXXX or put other peoples accounts under my name. This one is for {$100000.00}. There is no financial aid officer giving out that kind of money. Nor did I apply for it and nor did I receive it.
Product: Money transfer, virtual currency, or money service

Coinbase has denied me access to my account multiple times. The first time happened in  XXXX  in which it took 4 days to get a response back from customer service. When they responded they said that the issue, which was a " email rejected by my mail server,  XXXX  '' was fixed and I would not experience the issue again. It happened again on  XXXX   XXXX . I have n't heard back from customer service even though inhale left repeated emails, phone call messages, and social media comments on the channels they recommend. Their support system purposes does not address the issue and they denying of my access has resulted in  10,000 $ + of lo st revenue.
Product: Debt collection

I did not owe this full debt when I transferred my phone service over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in payment and was never processed by XXXX XXXX and they hit my credit, was told it could have been the mail or their error. So I made payment over the phone and they said it would be corrected. Now they are saying it wasnt their error and will not remove it. I should not be penalized for this bank not processing my payment.
Product: Money transfer, virtual currency, or money service

Wire transfer returned but not reported for days. At first they didnt know, then they sent it back, then they returned it they said my account was not available for Wire transfers. I never knew that and they never called me. The sending bank was not notified for three days and by then the long weekend was upon us. I have been with out my XXXX dollars for 5 days now. I finally got them a federal transfer return number and they issued a check that was overnighted but then Chase would not cash it and wanted to hold it for another 10 days.. Chase is fired and I still have no access to my money 5 days after the original wire. There was non-disclosure, dishonesty and they simply sucked up that money for the entire 5 days the original bank will not get their money back until Tuesday the XXXX and were out XXXX for that time as Chase was making interest on money that was not theirs. I plan to charge them for everything. My time, the overnight, and the money I could have made with the XXXX for what will be an entire week until I can get another wire transfer tomorrow to another bank and another account .they are sorry.. yes and they are sorry they know they screwed up by not contacting me but there is nothing the Saturday manager could do about it.
Product: Payday loan, title loan, or personal loan

Months ago I was searching how to get a loan ran across Rivervalley I filled out application mymistake I did not look at feed back I believe if I got the loan they would send a message and loan amount the loan was for about a XXXX never received loan information money removed from my acount later receive contract I call them Friday requesting a statement I have a law group helping me pay off credit cards. I looked at the app there was a contract with a direct acount number not understand I opend it up there I saw my name as I agreed to a loan. No agreement ever they are planning to take from me again I have not received money from them I did put a stop pay on the first lone never approved by me Monday I will close my checking acount I did not put my name on anything they did when I gave information. I revived a email approved a second loan what can I do I did send a email back cancel I did not ask or approvel this or the other lone Help they are stealing from me. With two loans
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said th at one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. Th e attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????
Product: Credit reporting, credit repair services, or other personal consumer reports

UpGrade Inc has refused not once..not twice but 5 times to update the amount owed on my credit report..XXXX has contacted them 5 times I called them they still refuse to update my credit report... two months now. Needless to say once paid off I WILL NEVER USE THEM AGAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, XXXX, XXXX, and Transunion. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XX/XX/XXXX )XXXX XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.
Product: Debt collection

I have attached a copy of both 1099-C that was filed for the following accounts XXXX and XXXX to show proof that the debt were paid. Additionally I have requested that they removed the stated accounts from my consumer reports and it has yet to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

This charge card account is now closed ( by us ) but it was under the names of XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX ' some concert tickets online from XXXX on XX/XX/year> for {$570.00} and {$1200.00}. We never received the tickets or anything else from XXXX. 

We disputed the XXXX transactions. Chase responded with 'no evidence of a billing error '. We responded to Chase that we received nothing and reopened the dispute. Chase responded again with 'no evidence of a billing error '. We disputed the transaction again and Chase responded the same. The above repeated itself maybe XXXX times over more than a years time. 

We asked Chase through their online messaging system to tell us why they thought we owed for these XXXX transactions since we received nothing. They never responded. 

Since Chase refused to work together with us to solve the issue., we paid everything we owed them with the exception of these XXXX transactions and closed our account. 

Now our credit reports indicate that we are late paying Chase because they still want us to pay for these XXXX transactions. Our credit scores have suffered because of this. 

Note : we had been customers for many years and literally charged thousands and thousands of dollars on our account and paid every XXXX of it and was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open account from commenity capital bank that is connected to a contract that was made fraudulently with XXXX XXXX XXXX. I received a copy of the contract after my first dispute and both companies are saying even though Im saying I didnt sign the contract they have my signatures. I found out the signatures are docu signed but I didnt signed for this account. Originally there was two accounts and they both was immediately closed this particular account stayed open because of a balance I wasnt aware of. According to XXXX XXXX the account is reporting 4 payments behind and its a year old even the generated bills account number has changed