23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX Date of birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a credit card with XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and auto loan are the result of identity theft and fraud.
Product: Debt collection

Received a letter from this alleged law firm, in reference to a different collection agency reporting in my credit files, than company mentioned in letter, regarding same credit card company. I have previously advised LVNV, and its dba companies, via fax, the credit card company should have a note, regarding a medical hardship I have been going through, since XX/XX/2018.
Product: Checking or savings account

about XX/XX/XXXX Capital One held disbursements on three of my on line payments, even though I had {$14000.00} in the account. The accounting showed the word " failed '' and gave me a 1-888 number to call.. I was told there was a check dated XX/XX/XXXX in the amount of {$430.00} made out to XXXX XXXX, endorsed over to XXXX XXXX and cashed at Capital One. Capital One said it was a fraudulent check. and they no longer wanted to do business with me. Capital One is holding this amount in my check account with notice it may not be with drawn. I asked a copy of the front and back of this check be sent to me. so that I may investigate this check myself I need a copy of the front and back. I have not received this information. On XXXX XXXX I again called the 1-888 number and was informed I had never requested a copy of this check. We aren't going into that, it just makes me madder. 

I would appreciate a copy of this check be sent to me, so that we may settle this problem or what future steps I shall take. 
1 ) May be sent by mail to XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Texas XXXX XXXX ) may be emailed to XXXX 3 ) may be texted to XXXX XXXX XXXX Capital One account # XXXX Many thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request for debt validation to EOS CCA, XXXX XXXX & XXXX XXXX XXXX who are reporting negatively on my credit report and they have failed to provide any proof of my debt. 
They have continuously updated the info with the credit bureaus on my report but failing to provide me verification.
Product: Credit reporting or other personal consumer reports

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my XXXX XXXX  and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 midnight, there were 9 unauthorized XXXX transactions from XXXX Bank of America checking account, 7x {$25.00} and 2x {$20.00}, ttal of {$210.00}. Luckily I woke up around XXXX, and saw text messages from BofA XXXX if I authorize online activity on my account. I responded NO right away to two of the messages sent ( messages attached ). I checked also right away my checking and saw the 9 transactions which I never authorized ( transactions attached ). Once the bank opened at XXXX, I called and reported the fraud activities on my account. I filed a claim of fraud and followed the banks instructions to change my password etc including destroying my debit card, and they will mail me a new one with different numbers. I was calling the bank on a daily basis to follow up. 
BofA responded to me on XX/XX/2022, stating that as a result of their research, it was determined that they were unable to honor the claim ( letter attached ). 
Please help me with this. I am afraid ths can happen again not only to but others. I have been a customer of BoA for 30 years and its very frustrating they can not help me. What if I didnt wake up that early morning.. all of my savings will be wiped out. yet i responded to the banks text message, NO, as soon as i can
Product: Checking or savings account

I got a settlement ; 3 years ago I got a settlement from XXXX for wrongful termination. I took a {$50000.00} settlement, instead of XXXX to XXXX with a free attorney. Due to being homeless I was desperate and took the lower amount, the settlement checks came in two parts, one for XXXX and one for XXXX. The first one I cashed and bought a car. I owed XXXX on the balance of the car, paid bills, ect. My XXXX check came and I attempted to cash it at Chase bank on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Instead of Chase offering me to open my own account, I signed the check over to the car dealership owner, the man who operates XXXX XXXX XXXX which is located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone number XXXX that I bought my car from per the advice of the bank teller in order to cash it and receive my direct cash. I have a witness to all these statements if needed. They said the check did not clear right away, and that they would transfer the funds from the Car dealership man account to a separate account when the check cleared. But they did not return my check to me when I left that day ; looking back they should have when the checks funds could not be verified. Chase did eventually divert funds to an account in my name, but not for the correct amount, it was XXXX short. Due to being homeless, I and having a diagnosed XXXX  XXXX that prevents me from understanding things clearly, having no mail, email, po box . I had no access to information about my account. So recently, I inquired about {$3000.00} I put into a 3 year CD account. I was told to come in and show ID on the account. Upon doing so, I entered the branch on XXXX XXXX XXXX and XXXX in XXXX XXXX CA. I requested copies of the account, and the teller had an issue with retrieving the statements on my entire account including the CD account and told me to come back later that day. They did give me the statement, refused to answer any further questions, and even turned away my direct deposit check, and told me that they would no longer want to do business with me. I Called Chase before on a balance on my account, and they said there had seemed to be a lot of fraudulent activity on my account. They refused to give me a copy of my original {$40000.00} check.
Product: Checking or savings account

I have a coamerica bank account which I was not very clear about the terms and conditions. They charged me some fees - one after the other without calling me or sending me any email or mail. 
I would like unreasonable {$25.00} fees to be waived off and account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( XXXX ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 
XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX {$240.00} ( PLEASE DELETE ) XXXX  XXXX ( PLEASE DELETE ) XXXX XXXX XXXX {$250.00} ( PLEASE DELETE ) XXXX XXXX XXXXT XXXX ( PLEASE DELETE ) XXXXXXXX XXXX XXXX {$130.00} ( PLEASE DELETE ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) CLOSED ( PLEASE DELETE ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( PLEASE DELETE ) INQUIRIES : XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXXXXXX XX/XX/XXXX ( PLEASE DELETE ) EQUIFAX MORTGAGE SER XX/XX/XXXX ( PLEASE DELETE XXXX XXXX XXXX  XX/XX/XXXX ( PLEASE DELETE ) Also, attached is a copy of my new driver 's license, please update my name and remove all old names from my credit file as well. 

Thank you so much for your time and attention to this matter.
Product: Debt collection

They have been calling me for months. I explained that XXXX XXXX and my provider assured me that there would be no cost to me. They said they would mail me documents explaining what I owed and why, but never did. They still call. 

I did some research and discovered that medical debt under {$500.00} is not able to be reported on my credit. I offered to pay my account down to {$490.00} if they would leave me alone. They said they would not lower the debt by XXXX dollar, and that {$490.00} would still show on my credit. 

I just want to resolved this so it doesn't ruin my credit, but I don't want to give these extortionists $ XXXX dollars.
Product: Debt collection

Grant & Weber is attempting to collect {$10000.00} On behalf of XXXX XXXX XXXX. I live several hundred miles away and have never interacted with XXXX. I do not have the account information because i dont know who this company is. Both XXXX and Grant & Weber are attempting to collect money and I have no idea why.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Reported Late Payments and Request for Investigation Process Explanation Dear CFPB, I am contacting you regarding inaccuracies I identified in the reporting of late payments for my XXXX XXXX XXXX account. These errors negatively impact my credit profile, and I request an immediate investigation and correction. Below are the account details and specific discrepancies : Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$3100.00} Balance Owed : {$0.00} Credit Limit : {$2800.00} Account Status : Open Payment Status : Current Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Discrepancies Identified : Late Payments Reported : XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
Equifax : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
Inconsistent Reporting : The payment history provided by the credit bureaus is inconsistent with my actual payment records, which confirm that all payments were made on time as per the terms of the account. 
The account status remains " Current '' across all three credit bureaus, which contradicts the reported late payments. 
Supporting Evidence : I have attached copies of my payment records along with the relevant sections of my credit report to highlight these discrepancies. These documents clearly demonstrate that I have fulfilled my payment obligations on time. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Additionally, credit reporting agencies are required to conduct a thorough investigation of disputed information and promptly correct any errors as per XXXX USC XXXX. 
Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a detailed description of the investigation process conducted, including the steps taken to verify the accuracy of the reported late payments. 
Proof of Late Payments : If the late payments are found to be accurate, provide verifiable documentation supporting this claim, including dates, amounts, and communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to do so will be considered a violation of my consumer rights. I trust that you will handle this matter promptly and ensure the accuracy of my credit report. 
Thank you for your attention. Should you require any additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Student loan

I emailed XXXX on XX/XX/XXXX about setting up automatic payments. I received no response. 

I used the chat function on XX/XX/XXXX. I was told my application for automatic payments had been received and was being processed currently. 

Today, XX/XX/XXXX, I received an email that said there was no application on file, and to set one up. 
I went to the website, and it still said my application was sending. There is no way to create a new application when one is pending.

I am very frustrated with the incompetent people working at XXXX. One of them was not telling the truth. The application is either there or not. 
Please fix this. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report an account that is erroneous from a company who has not to verified or provided any documentation for an account I have no knowledge about. Despite numerous requests to creditor and credit agency. Neither has complied to date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I have a Macy 's American Express credit card through Citi Bank. I bank with the Department of the Treasury, which consolidated my credit cards and paid them off before the due dates. The Treasury sent each check directly to the company. All creditors received their checks via the XXXX XXXX that was given. All creditors updated my accounts as paid in full. My bank sent all checks out on XX/XX/year>. Each company had received and posted payments paid in full to my accounts by XX/XX/year>. I noticed the only company not posting to my account was Macy 's. I called Macy 's customer service to verify if they received the check. They said they had not. I continued to call each day, repeatedly explaining which XXXX XXXX the check was sent to. Customer service verified that the XXXX XXXX. XXXX was correct each time, and they had not received the payment. I was told by the representative to give it a few more days each day I called. I sent a copy of the XX/XX/year>, check that the Treasury sent to Macy 's XXXX XXXX XXXX along with the USPS tracking number to which the check was delivered. The check was delivered to the XXXX XXXX XXXX XX/XX/year>. After calling every day until XX/XX/year>, the Treasury Department Bank canceled the check from XX/XX/year>, and issued another check on XX/XX/year>. Macy 's customer service representative had given me a different XXXX XXXX to which the Treasury could send the check. 
On XX/XX/XXXX, my account was listed as paid in full for {$9400.00}. This was correct, and I was elated that this would reflect positively on my credit reports. 
My credit reports have been without late payments. I had excellent credit before this issue with Macy 's. I learned that Macy had reported me as 30 days late on the payment for the month of XXXX after trying to refinance my vehicle with my bank, the Treasury. The reason for not granting me a refinance was due to late payment reflected on my credit reports. My Macy 's payment was due on XX/XX/XXXX. I contacted Macy 's to dispute the XXXX payment they had reported to all three credit bureaus, and their response was to send them all the documents. I uploaded and sent the Treasury 's email and the XX/XX/year> check, along with the USPS tracking number and email detailing the payment delivered to their XXXX XXXX XXXX XX/XX/year>. I uploaded the XXXX check sent on XX/XX/year>, along with the USPS tracking number. Macy 's refuses to remove the XX/XX/year> late payment from all three credit bureaus. Macy 's is making it my fault they never checked the XXXX XXXX to retrieve the XX/XX/year> payment, which was the first check the Treasury Department sent them. Macy 's continues to send me emails stating the payment was posted. My dispute is about the reporting of 30 days late that they are reporting to all three bureaus. My dispute isn't about the {$9400.00} posting to my account. 

XXXX XXXX XXXX
Product: Credit reporting

I have contacted Equifax Regarding Unauthorized Inquiries on my credit report, and I have supplied Equifax 's Fraud Department with the police report and they still did not address the concerned. They simply stated that I contact the creditors themselves and ask them to remove, however in speaking to them they referred me back to the credit bureau. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Fraudulent InquiresXXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA N / 30 days late in XX/XX/2020, XXXX 2020 and XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Mortgage

Compalint : : PHH Mortgage Services XXXX XXXX XXXX XXXX. Nj XXXX XX/XX/XXXX My name is XXXX, and I have a property in the city of XXXX, Delaware. I have lived here since XXXX with my family. 
Phh Mortgage Services took over my mortgage in XX/XX/XXXX. 
My complaint and frustration, is on a payment that I posted on with there bill pay on XX/XX/XXXX, the amount of {$1600.00}. PHH Mortgage, claimed that they never received it. I have documentation from my XXXX XXXX checking account, supporting that PHH did retrieve the amount of {$1600.00} on XX/XX/XXXX. 
I have faxed to them my request to investigate this very matter. Plus many phone calls. I, am putting this letter together at this moment why ell, I`m waiting on hold to speak to a agent in the US, I was put on hold by a agent in the XXXX, for 25 minutes at this time.A supervisor in the research department a XXXX. XXXX XX/XX/XXXX. 
This is the second time and I`m so very tired of thees company tacking advantages of us that are put in this situation, of having to deal with the subprime company 's. 

Thank you, XXXX XXXX Delaware
Product: Credit reporting or other personal consumer reports

I am disputing a collection account that appears to be the result of fraud and identity theft. This account was transferred without my consent, violating my rights under 15 USC 6802 of the XXXX, which requires that I receive full disclosure before any transfer or sharing of my private information. The original creditor failed to provide this disclosure, and I did not authorize this debt or the collection agencys handling of my information. 

Furthermore, I am requesting that this account be removed within XXXX business days under 15 USC 1681s-2 ( 6 ) ( B ), as its continued reporting suggests an attempt to extort payment for a debt that I do not owe, violating the FDCPA. The collection agency has failed to provide verification that they are legally authorized to collect this alleged debt. Please investigate and assist in removing this account from my credit report immediately.