23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ive paid these charges and since then they have not removed from my credit report file as promised.Also showing as past due which is inaccurate and would like removed.the first late payments listed on this account was wrong and needs to be removed.Never received validation letter on debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request on XX/XX/23 via complaint XXXX, requesting the name of the " Public Record Vendor '' of an inaccurate bankruptcy reporting on my consumer report. Experian responded on XX/XX/23 and did not address my request. Please see the attached proof. Experian has refused to provide this information and is in direct violation of several FCRA laws which is subject to fines and penalties. I AM REQUESTING THE NAME OF THE PUBLIC RECORD VENDOR USED TO VERIFTY THE ACCURACY OF THIS REPORT. I am not requesting a verification of this record.
Product: Money transfer, virtual currency, or money service

To : Consumer Financial Protection Bureau, Re : Wire Transfer recall with Capital One Reference number XXXX Transaction number XXXX This is XXXX XXXX ; I purchased a custom diamonds AP Two-tone bracelet for XXXX XXXX trade for dial from XXXX on XX/XX/2023. I am a XXXX XXXX XXXX member with an account of TOTAL CHECKING ending ( ... XXXX ). I sent the wire transfer of {$8000.00} to the recipient 's Bank, Capital One, with account number ending ( ... XXXX ). On XX/XX/XXXX, I was advised by the recipient that it was no longer a Capital One Bank member ; therefore, I called XXXX, and I was informed by customer service to recall the Wire transfer. It has been about 15 days already ; I am still waiting to receive the funds back. The recipient has called XXXX various times and was told there was no deposited wire transfer for {$8000.00} on XX/XX/2023. I called XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX, and the only update I received was on XX/XX/XXXX when Capital one inquired with XXXX if the diamonds were polished or rough. On the same day, I informed XXXX that the diamonds were polished and sent that information to Capital One ; since then, we have not had an update regarding the wire recall. On XX/XX/XXXX, The recipient and I did a three-way call with the Capital One Wire transfer department to inquire about the status of the funds, and we were informed that Capital One does not have the funds. The recipient and I mutually agreed that the funds to be recalled to my account ending with XXXX. 

Please feel free to request any additional information. Please, address at your earliest convenience. 

Respectfully, XXXX XXXX
Product: Mortgage

Multiple complaints already. Apparently, I can email everyone else within Mr.Cooper. Except the one person I need to be in communication with. Due to Privacy Concerns. Which I don't share. To me, email is a fast, effective, secure way of sending and receiving questions, answers and, yes, documents of a personal nature. My side is secure. Mr. Cooper has recently sent me multiple sets of documents/responses via standard mail. Among them was a document for a couple in Texas. I have their names, address, loan number, payment dates and amounts... I jumped on their chat, which is finally unlocked for me, and they had me email a picture of the document to a supervisor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A company called XXXX continues to claim I am not paying per the agreement. I pay the bill on their website on XXXX-XXXX-2018 for {$100.00} which is more than the agreement. The bill is due on the XXXX-XXXX-2018 they are claiming it did not post until the XXXX. Then send threatening letters that I am not keeping to the agreement. That my response is unsatisfactory. And that the balance will be due in ten days. 

Customer service just keeps repeating claims that it did not post until the XXXX and that it is my fault. Even though on their own website it shows that it was accepted on the XXXX.
Product: Checking or savings account

I made CFPB complaint against Ally bank that they cant ' do a stop check payment even after collecting {$15.00} fees from me. It was done few weeks back. 
as part of retaliation, Ally bank sent me a letter that they are going to close my bank account. 

Please investigate this and take strict action against Ally bank who's actions are nothing but retaliation. 

When asked Ally bank - what is the specific reason for this letter and intention to close my account- they are not providing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing the CFPB once again because the last case was closed without an amicable solution when I wrote you previously, I provided an immense amount of evidence showing that the negative information that is being reported by XXXX XXXX XXXX for a creditor named XXXX XXXX with Account # : XXXX in the amount of {$470.00} is being illegally reported to my credit file that Equifax records has on my credit profile. 

Additionally, Equifax has deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Furthermore, XXXX  has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Equifax to do the same. 
Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XX/XX/XXXX Helvey and Associates, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX  reports open collection days after unauthorized hard inquiry of XXXX  XXXX account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt XXXX  XXXX charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt
Product: Checking or savings account

On XX/XX/XXXX XXXX deposit a PPP loan into my account from CapPlusFin. I went to Capital One to withdraw some money and they frozen my account. I gave them my EIN number and paperwork where I file my company on my taxes and that it is a Legitimate company. My account is still frozen and it just sitting into my account and cant be touch. Ive all capital one every day and they say Im under investigation. I submitted paperwork again. XXXX second since investigator stated to close the account and send money back. Money is still just sitting there. Talk to SBA and they stated its not them they got what they needed from me is capital one doing what they want to do. Still to this day money is just Sitting into the account and all Im getting is they dont have a time frame of when money gon na get sent back. I shouldnt have to go thru this anyway if I produce my information for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. XXXX DID not conduct an investigation like they claimed.
Product: Credit card or prepaid card

On XX/XX/XXXX, an online payment of {$2900.00} was made into my Citi MasterCard account from a XXXX Bank account ( this credited amount was shown in my statement for the period from XX/XX/XXXX through XX/XX/XXXX ). This was an authorized transfer and, as noted, was duly credited to my MasterCard account. Sometime on or about XX/XX/XXXX, this payment was removed from my Citi Cards account without my approval or knowledge.This action was shown in my Citi Cards statement for XX/XX/XXXX through XX/XX/XXXX, and was described in a letter I received from Citi Cards dated XX/XX/XXXX. To find out what happened, and to get my money put back into my account, I called Citi Cards on XX/XX/XXXX and XXXX ( on the XXXX, I was told that the matter had been turned over to a supervisor and there was no need for me to send any background documents at that time ). Then I received a letter ( dated XX/XX/XXXX ) from Citi Cards saying that the situation was being investigated in their " security department ''. I heard nothing further from Citi Cards, so I called them again on XX/XX/XXXX ; and then on XX/XX/XXXX and XXXX, XXXX. During each call, they seemed to be confused about this case ( as if they had no record of the letters they had sent to me or my previous calls, and they kept transferring me between Customer Service and Security, etc. ) and no progress was ever made. That is why I am contacting the CFPB ; it seems Citi Cards can use some help in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX  # 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
Product: Payday loan, title loan, personal loan, or advance loan

The Fair Credit Reporting Act ( FCRA ) regulates the information that can be included on consumer credit reports. According to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), consumer reports can not include information about " transactions and experiences '' between a consumer and the entity providing the information ( you, the creditor )
Product: Money transfer, virtual currency, or money service

I received an email today from PayPal informing me that my account has been permanently limited due to a potential risk associated with it. I had my account since 2013, I never had a suspicious/fraudulent activity or a chargeback. All credit cards used are my own. Their system never flagged my account for closure but it was the agent I talked to over the phone this morning. I called PayPal to inquire about my PayPal key which has stopped working for a week, something that frequently happens. The agent told me that it is because I used it at the same merchant for the same transaction 3 times so their system flagged the transaction as " suspicious ''. It looks like returned purchases using PayPal key can sometimes get refunded to PayPal balance instead of the credit card that was used. This's a known issue that PayPal has been aware of but never took action to fix, instead, they've been shutting people down without warning. I never received a warning from PayPal letting me know that this activity will lead to my account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 Balance {$18000.00}.
Product: Vehicle loan or lease

After speaking to three reps at Ally and getting different information each time, I got the early lease termination information and turned in the vehicle where I purchased it. Ally said I could turn it into an Ally affiliated dealership near me, but I ended up driving 130 each way to turn it in on XX/XX/2021. I got the odometer statement filled out by the dealership as requested. The dealer faxed it to Ally at two different numbers provided by Ally. Neither was correct. I emailed it twice. No luck. I finally got a supervisor to give me their email address and confirm they got it. They were supposed to get an inspection and let me know the results. I was told today XX/XX/XXXX, that it was done on XX/XX/XXXX. I asked the rep to email me a copy. She placed me on hold with the department to get that done. Then one hour and eights minutes on hold, it disconnected. Then I called back and the rep said the inspection was NOT done. I asked to speak to a supervisor, who confirmed nothing. She said they were too busy to assist and directly me to their useless email contact area that didnt work the last three times they directed me there. It has been almost two months, nine calls, 6 hours on the phone, and this is not done. Still open on my credit report. Still no final statement. Still no end in sight. How is this acceptable? How is it possible I get a different answer literally every single time I call? This XXXX has not been in my possession for two months. I cant protect it. I cant drive it. I am still paying insurance on it in case it gets stolen or damaged during the delay.
Product: Credit reporting or other personal consumer reports

Someone created a fradulent account on Equifax with my name, SSN, and other sensitive information. 

Equifax is escalating this matter to get resolved. In the meantime a freeze has been put on my account. 

Equifax shared information of the fraudlent party to me, below is the information used to create the fraudlent account : email : XXXX phone : XXXX If needed, I have a case number with Equifax on this escalation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for an increase of credit limit with American Express, for my Amex Everyday Credit Card. On XX/XX/XXXX, my request was denied. I have had an account with American Express since XXXX, and have never received an credit limit increase, after request were made.
Product: Credit reporting

I BEEN TRYING TO REFINANCE MY HOUSE FOR MORE THAN 5 MONTS AND I CANT BECOUSE MY CRDIT REPORT HAVE MANY UNPAID ACOOUNT THAT I NEVER OPEN WITH THIS CREDITORS SO I CALL AND I SEND COPY OF MY COMPLETE INFORMATION SO THEY CAN SEE THAT ALL THIS ACCOUNTS ARE NOT MINE BUT I SEE NOT RESULTS FROM THE CREDIT BUREAU AND THE CREDITORS AND IAM VERY TIRED WITH THIS, SOMA BODY IS NOT DOING THE JOB RIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, CAPITAL ONE XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}
Product: Credit card or prepaid card

Purchased a shower panel with XXXX Bank of AMERICA CREDIT card. The product was faulty, and the vendor tried to resolve the issue, but were unable to get me the replacement in time, and I was without a shower for 4 weeks. I called the vendor, and they wouldn't help me. I called B of A, and submitted a claimm. they never asked me for any documentation, and sided with the vendor. they told me I could reopen the claim, and to " FAX '' the info to them. I faxed a 9 page written document including photos. After 2 weeks, they claim they never received it. I have refaxed, again, for XXXX, and they claim they still have not received it.
Product: Debt collection

Midland funding notified me that through XXXX, that they attempting to sue me for a debt that they dont own and that is past the statue of limitations. They have misrepresented the account with false affidavits and lied to me about it being restarted as far as the clock. They have been unable to verify that they are the owners of the debt, show proof of a card/account statement, how amount was calculated, nor have an agreement. They are reporting and listing the account wrong on my credit report with updating it as late monthly with a high credit amount
Product: Credit card or prepaid card

I applied for Chase XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX got denied, they said A prior credit card or deposit account was closed by Chase. 


I applied for Chase CHASE XXXX XXXX on XX/XX/XXXX got denied, they said A prior credit card or deposit account was closed by Chase. 

I request recondiation but every time they just ask me verify again and again, then denied again and again, I don't know what they are doing? 
Please check
Product: Checking or savings account

US GAO fund created by XXXX XXXX with NASA XXXX XXXX  XXXX XXXX, XXXX, VA XXXX. She steals information using the XXXX database to commit life securities fraud with the Social Security Administration and communicates with the IRS to have fictitious documents sent. She organizes check fraud and federal mail fraud crimes with the USPS. 
Attempt to transfer the government fund using my old social security card and Underwriting Formal Disclosure notarized by XXXX XXXX on XXXX2017 with PNC Bank located on XXXX XXXX XXXX XXXX, XXXX, VA XXXX to advance funding for unauthorized use of XXXX XXXX VA tag XXXX and purchase of condominium with the XXXX XXXX XXXX XXXX located in XXXX, VA, XXXX XXXX XXXX ( attempting to purchase properties between {$26000.00} to {$250000.00} ), and XXXX ( attempting to purchase properties between {$95000.00} to {$160000.00} ). Also, she is assisting the builder of the XXXX XXXX XXXX XXXX to sell homes and pocket {$550000.00} with the purchase of two {$400000.00} homes based on Commercial Liability Insurance with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with a total value of {$800000.00}. Realtors that I have been communicating with are stating that the properties I am interested in are under contract. However, they are using my information, funding, and creation of fraudulent documents to purchase properties which is against the law and a premise for a stolen identity lawsuit. Business License Fraud with the City of XXXX  Commissioner of Revenue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.