23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not owe this bill. It was disputed with XXXX XXXX and this company did not show a signed contract and no proof of bill of sale from then. I never had a bill with XXXX never signed nothing for this company. They took it off my credit and keep selling this over and over. I did a police report this is 7 years old and should not be on my credit and XXXX XXXX  told Al the credit reporting companies and they verified it and took it off and the sold it and now say XX/XX/2023. This is not true. This is my 2 time reporting this XXXX bill.
Product: Credit card

On XX/XX/XXXX, I made an airline reservation online with XXXX XXXX. Shortly thereafter, within minutes, a fraudulent charge came through on my credit card for {$2000.00} from some type of hotel reservation service that I DID NOT make called " guest reservations ''. I IMMEDIATELY called B of As fraud dept. and had the card cancelled/closed and a new XXXX XXXX XXXX was sent to me. 


It was close to midnight when I spoke to fraud rep. from B of A in XXXX AZ. She informed me that she would cancel the card and issue a new one. She also informed me that her computer system was down so she couldn't dispute the fraudulent charge from " guest reservations '', but for me to call back in a few hours. A few hours would have been approximately 2 am my time so I phoned the fraud dept. again the next morning. 

The fraudulent charge did come through on my credit card. I disputed it, and today, XX/XX/XXXX, I received a letter informing me that the fraud charge was denied because I received the merchandise and/or service!!!!!! I received NO merchandise or service! Please help. 

Below is the attached reference ID from B of A : Bank of America..png Fraud Claim for account - XXXX Claim is complete Updated XX/XX/XXXX Your claim is complete. View details for more information. 

Claim ID XXXX Claim amount {$2000.00} Claim opened XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I directed a {$200.00} payment to XXXX XXXX to my PayPal account. In my Paypal account, my " preferred method to pay '' is set to my PayPal XXXX. When I checked my PayPal account, the {$200.00} transaction is incorrectly listed to post to my XXXX XXXX instead of my PayPal XXXX. This is an error. I have sent multiple messages and have made multiple phone calls to Paypal, and they are either unwilling or unable to help me. See attached PDFs for details.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX XXXX XXXXXXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts include : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I contacted Axos Bank on XX/XX/2023 through their secure message system that I wanted to close my account. On XX/XX/2023 they responded through the secure message system that I will have to pay a {$10.00} dollar " official check fee. '' I do not know what this fee is and I do not recall at the opening of this account that this fee was explained to me. 

I just want to close the account.
Product: Credit reporting or other personal consumer reports

Upon review of my reports, i have noticed some late payments on an account that i was not late for. The consumer reporting agencies have a vital role and have responsibility to report consumer maximum accuracy to the best of their ability. I have never been late on the accounts that i included in screenshots inside this complaint on the dates of XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XX/XX/year>. 
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to PAID as agreed on time as they should be, do to never being late! Thank you please see screenshots attached!
Product: Debt collection

Went to court on XX/XX/2019. Because of being sued, by Midland funding LLC. This company brought an old account from XXXX XXXX. {$2800.00}. Will be returning to court on XX/XX/2019. Midland funding LLC seeking a judgment me.
Product: Debt collection

I noticed on my credit report that there is a collection account from Plaza Services in the amount of {$1200.00}. The account was opened on XXXX-2016. I have never had an account or contract with Plaza Services. I get several calls and text per day stating that I need to pay this account or I will be taken to court and sued. Also received a call from a lady stating that she would be sending someone to my job with litigation papers. I have told Plaza Servies several times that I do not have an account or contract with them and asked that they remove the information from my credit report and stop contacting me. To date they are still reporting and still contacting me daily.
Product: Checking or savings account

I opened a checking account on XXXX XXXX in XXXX XXXX XXXX I trade and sell bitcoins  for a better income to take care of my family and I accept payments through XXXX pay. In four days my account was shut completely down with no access at all. I called the branch and was told someone would get in contact with me. After a couple of days I hadnt received a call so I called back to the branch. This time I was told to call the call center and theyd help me. Call center said they didnt see why but my account was closed and that a check in the amount of {$6700.00} had been mailed to me. After a week and a half and no check I called back to the CC and was told that the check was mailed 2 days prior to that call and that Id have it in a couple of days.1 week went by and still ... no check. I called the branch manager and she stated that there was no check every coming and cant see why anyone would tell me that. XXXX The branch manager XXXX XXXX XXXX your account was closed due to fraudulent payments. The crypto that you were selling were being purchased by someone who didnt have authorization to use the card. I assure you that its not your fault and you did nothing at all wrong, but we had to send the remaining funds back to the cardholder. Now 2 months later Im still calling and begging to just get the chance to show that I have every transaction they may want to look into. I only sell to people that view my offer and initiate a trade. I give my XXXX info and check once they say theyve paid and then I release the crypto  to them. I have everything from the first message, down to the positive feedback left by the buyer after the trade was completed. Not once was I asked to come and bring proof that I wasnt participating in fraudulent activity. I feel as if Im being robbed  by a bank, especially when Im being told that I didnt do anything wrong. This cant end like this. I had to put my wife and children in a car every night for 3 nights I order to stay warm until I sold the only thing my dad left me just to pay our light bill. I do not deserve this treatment when I try my best to make everyone have a great day every day. MY FAMILY IS LITERALLY SUFFERING DUE TO ME GETTING ALL OF OUR MONEY TAKEN AWAY BY DOING NOTHING WRONG AT ALL! In no way is this fair to me when if there was fraudulent activity going on, I had no idea AT ALL and NOTHING to do with it. Im a XXXX  XXXX  putting my own life on the line daily to help people Ive never met. Im not a criminal and I wouldnt and couldnt scam someone and get over on them. I feel like Im less than a man/husband/father watching my family suffer and the only thing I can say is its going to get better, knowing that its not. I NEED my money back and its only fair. Why do I have to take the loss when Im being told I did nothing wrong? IM BEGGING AND PLEADING WITH YOU. PLEASE HELP ME. PLEASE .... I beg you and Im sorry this is so long but you have to understand. I CANT LET THIS JUST END LIKE THIS AND SUFFER MY FAMILY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX XXXX ; my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, Birthdate : XX/XX/. I checked my credit reports and noticed some inquiries from companies that I did not give consent to access my credit reports, I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I did not initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FCRA. The following companies did not have permission to request my credit report : SEE ON THE ATTACHED CREDIT REPORT. I once again demand the removal of these unauthorized inquiries immediately. Thank you!
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. There are inquires on my credit report as a result of Identity Theft. I did not authorize these inquires. Attached is an FTC report regarding these fraudulent inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX HOSPT COMPLIANCE SPEC My only address is XXXX XXXX   XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Product: Credit card or prepaid card

Capital One is reporting inaccurate information for a alleged debts that are paided and there is no reason for a debt collector. Reporting false an negative information on a CONSUMER. ACCORDING to FDCPA such reporting is choosing me to have adverse action for personal essential goods. My CONSUMER rights have been violated by 15 USC 1692 B ( 2 ) and 15 USC 1692F ( 8 ) Notice to all I am that I am the consumer in fact the natural person the original creditor the lender the executor their administrator Holder and due course for any and all derivatives therefore the surname or given name is as you know. I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I have a DBA for the Original Creditor. The fact that the fair debt collection practice act is intended to secure my right to privacy and my privacy has been breached so be it and please show good faith in this matter bye expediting the security of the alleged information listed on your site in order to avoid me receiving further injury or damages in mental anguish and lost due to me being a victim of identity theft.
Product: Debt collection

I went to a XXXX  visit doctor on XXXX at XXXX. However, XXXX is charging me {$260.00}. I called and explained the problem at least 2, 3 times. They said that it was the code that the doctor used for the visit. I sent the email to my doctor, and I was told to call the billing office. I called it again and I never heard back. 
Now I am receiving the bill from Progressive Management System, a debt collector.
Product: Debt collection

I have been trying to get some information for an account from National Credit Systems.  They are trying to collect for an apartment that I resided at, XXXX XXXX XXXX. I have written them multiple times and the only information I have obtain from them was that it was a collection for these apartments. I don't think I owe anything for this apartment. I didn't break the lease, I didn't mess up the apartment and I even came back after I move everything out to clean to make sure I did an acquit job. I have repeatedly asked for an itemized list of what the charges are for. I just don't think that I could possibly owe {$1800.00} for this apartment. They refuse to send me any information.
Product: Credit reporting

well you did a case for me on XXXX dba XXXX well i just got back into transunion and looked up XXXX XXXX., which i been disputing, over again. well i got init tonight and found all my payments missing all of them wiped out the only thing i see is showing is late payment monts on it, but know paid payments. i trying to see where they went and so i did anothere dispute again. it like all my payment from my account are missing even credit card and my lind of credit from XXXX, need your help. i asked attorney general but since then nothing
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Debt collection

My wages are being garnished ; I have no idea who creditors are, the only information noted is last notification was in 2016. The plaintiff is Midland Funding - The attorney office is XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX License No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX contacted all of the creditors also the XXXX major credit bureaus Experian, XXXX and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.
Product: Credit reporting or other personal consumer reports

I am writing this letter to demand the immediate removal of accounts that have been unlawfully placed on my credit report, as a means to extort me. In am requesting these accounts be removed from my credit report within XXXX XXXX XXXX hours, under the rights and protection given to me by the " Fair Credit Reporting Act '' of 1974 ; as this department is responsible for compiling and acting of the removal. 

The first of these accounts is, a past due bill of {$870.00} placed by XXXX XXXX XXXX on my credit report ; to this account I am enforcing all of the codes of the F.C.R.A.. Due to the fact that XXXX XXXX XXXX is a Telecommunications Corporation and not a bank or a lending institution whom did not offer me a loan or a line of credit and this therefore barred from putting any supposed unpaid accounts under my credit report. 

The second account is an account XXXX XXXX business credit card debt of {$1300.00} that was assigned to my XXXX XXXX XXXX. I am protected by various by federal and state financial laws due to the fact the this credit card is assigned to my L.L.C. and not myself. The L.L.C. protects me from creditors coming after me personally and must go after the entity and or it's assets. In the F.C.R.A. it dully states that credit reports are a Personal assignment of every individual. 

Also I am requesting the hard credit inquires be removed from my credit report. 

Best regards XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payments for XXXX  Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX account. Despite previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate.

Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement.

TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction to reflect accurate payment history.

A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID.

Copy of my Social Security card.

A copy of my credit report highlighting the disputed entries.

Copies of my original dispute letters dated 08/20/2024 and 09/17/2024.

If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.
Product: Debt collection

I had XXXX of nc at the time of the incident. They should have covered all remaining bills. I have paid XXXX bills from the same night. Now this pops up on my credit score a couple years later. I need it resolved. I have paid my part. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX that prompted me to contact Transunion by phone on XX/XX/XXXX regarding an unauthorized inquiry on my credit. I was informed by the Agent that the inquiry had been removed and my credit report would be updated within 48 hours. However, the offending inquiry is still being reported. I have since called back and the agent I spoke with this time refused to review the notes on my account and delete the fraudulent inquiry. As such, I am hereby demanding for the following offending unauthorized inquiry listed below to be immediately deleted from my credit report : 1. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX XXXX XXXX XX/XX/XXXX ) Please remove this offending unauthorized inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as 60 days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by XXXX XXXX. I spoke with multiple representatives at this time and each XXXX of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by XXXX different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own credit score by over XXXX and XXXX points. 

I am requesting that these remarks be removed as soon as possible. I was informed by XXXX XXXX that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to help investigate why the three credit bureaus XXXX, Equifax, XXXX have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.
Product: Credit card or prepaid card

I never received a clear information regarding the policy of the card. Salesperson at the store was not knowledgeable about the term of the credit card the store offer. I totally mislead about the option of the policy. Their agent told me I can requested a credit limit increase after few months without need a hard inquiry in my credit score.  So after applied for the credit increase was no sign of hard inquiry pull for the card. In addition the credit limit increase wasnt reflecting the amount I requested. I have a very good credit and I care about it. What this company have been doing to customer is no right and should be fix. I want a credit limit increase to average corresponding to my income or the hard inquiry on my credit remove.