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

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report. As a victim of a data breach, these accounts and inquiries were created without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take the necessary steps to remove these fraudulent items from my credit file immediately. 
Fraudulent Accounts 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am extremely frustrated at the actions taken place by XXXX. I noticed my credit had been hit by about 33 points the first week of XX/XX/2021 so immediately investigated as to why that was, only to find out they claimed I did not pay my credit card ending in XXXX. I pay this credit card each and every month in FULL usually over {$10000.00} worth. I paid this on time and retrieved a receipt supporting my claim, I then went to XXXX  online to submit a dispute with the evidence of my payment of {$11000.00}. 

I have been awaiting a response for my dispute until today when I realized another hit for about 20 points had also been deducted from my credit score where they had REMOVED my entire account for this credit card. I feel as if this is entirely illegal and misleading removing my personal and validated information from my credit report I have worked so hard on. I am a tax paying citizen and pay my bills before they are due. I am outraged at the fact some random employee can remove such information and kill my credit score. 

I called XXXX and inquired about having all of this fixed ( that they caused ) and was told it could not be fixed and to contact my bank. I am livid and want my information repaired. I will not stop contacting until I come to a conclusion where the outcome is correct and fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive hard inquiries on my credit all the Time from unsolicited companies which negatively impacts my credit when I dispute items on my credit a lot of times they arent taken off in a timely manner which negatively impact my credit and I want to sue
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the the Bureaus Originally on XX/XX/XXXX via each Bureau who sent my dispute directly to Law Offices XXXX regarding account XXXX. 
I requested them to please investigate and delete from my credit report. Initially I was a bit confused because this was listed as " collection attorney '' on my credit report and I know I have never spoke to any " attorneys ''. 
The FDCPA 807 SECTION 3, Strictly PROHIBITS : " the false representation or implication that any individual is an attorney or that any communication is from an attorney ''. However Law Offices of XXXX is on my credit report and is listed as " XXXX XXXX '' in the detail type. This is unacceptable and NO Bureaus should have EVER allowed this to be inserted on my Credit Profile it is AGAINST THE LAW. 
However, the Bureaus didn't respond. I sent out another letter on XX/XX/XXXX where I reminded the Bureaus of my complaint. I received correspondence from one of the Bureaus that Law Offices XXXX said account XXXX was " verified '' and " accurate ''. I found this not only to be inaccurate because I never had an account with Law Offices of XXXX and they are literally posing as an attorney which is against the FDCPA, but then found out this was a medical bill, Which also violates my rights under HIPPA Law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 60 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they are alleging that this account is " verified '' and " accurate '' should mean means that they should be able to produce all of then documentation I am requesting. If they can not produce this information they therefore not only violated FDCPA but also HIPAA. This account, account number # XXXX needs to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and HIPAA .
Product: Money transfer, virtual currency, or money service

XXXX tried to access my cash app account from my phone and got a generic message that my account had been closed. Reached out to get more information and filed a dispute that they said would take up to 30 days. Meanwhile I could not perform normal transactions. I continue to inquire with no resolution or clear understanding of why the account was closed. No one could provide any details when I called. Finally after being persistent a representative gave me a case number XXXX but still couldn't provide any details. I requested a supervisor and was told there was not XXXX. I am concerned because I have been a victim of fraud and want to understand exactly what is going on with my account that caused this closure.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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

I went to my accountant so she could efile my tax return, she was told that my taxes had already been filed.I mailed my taxes certified mail to the IRS. I filled out the XXXX for for Identity theft. 
Now I am placing this this complaint to prevent my Credit from being stolen. This is possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX XXXX, and XXXX  and the investigation took well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial incorrectly reportedmy account as being 30 days late for about 5 months. Before the incorrect reporting, I contacted Ally and was placed on an agreement plan that the account would not be reported late as i needed to change the due date temporarily. I noticed tbis year of the incorrect report and contacted XXXX 5 times and XXXX  filed the dispute on my behalf to Ally. Ally has incorrectly changed my report 5 times after every dispute with XXXX. They keep changing something with every dispute. They have been given more than enough times to correct my report but yet they have not. They are abusing their authority and should only be given 1 chance to correct a report. However, witb every dispute they seem to make another " mistake '' and make yet another incorrect change.
Product: Mortgage

Ditech took over my home mortgage from Greentree. They kept trying to force me into an Escrow account with them -- increasing ( escalating ) my monthly payment by over {$700.00}, even though I repeatedly told them that I did not want it and that I had already paid my own taxes. They kept lying about me having not paid my real estate taxes ( even when my county tax office kept telling them that I was paid up in full through XXXX 2016 ). Finally after no less than XXXX calls and faxes, they relented. I solved the problem by getting a refinance elsewhere.
Product: Debt collection

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Student loan

I submitted my SAVE payment plan application in XX/XX/XXXX and I paid the {$5.00} per my requested forbearance with the application. Payments through SAVE are projected to be about {$59.00} per month. Despite numerous phone calls to Aidvantage since XX/XX/XXXX about my application, it STILL has not been processed. My last phone call with them at the end of XX/XX/XXXX, the representative couldn't figure out why my application has remained untouched and submitted a request to expedite the processing of my application. Instead of my SAVE application being processed, Aidvantage has instead decided to email me on XX/XX/XXXX advising that they will be ending my forbearance early and that I am to pay {$320.00} by XX/XX/XXXX. THAT'S LESS THAN 30 DAYS NOTICE! And I still can get no information from Aidvantage on why they continue to ignore my SAVE application.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Had {$4700.00} taken from my Federal Tax Return, courtesy of the Dept. of Education. When my husband and I tried calling the collection agency to find out if there was any remaining balance, we get transferred from one extension to another, then get hung up on. We are just trying to figure out if we owe any more money so we can get this taken care of. We have not received any communication from anyone except the I.R.S. We have been trying to talk to someone for 2 weeks now and have made no headway. How can someone take my Tax Return and then turn around and hang up on me? This was a student loan that I had long before we were married, and unfortunately went into default. Now we 're stuck losing almost our entire return and with no explanation.
Product: Debt collection

This company have not notified me that l legal have a debt with them this company do not have a sign legal contact with me they have no legal right to placed a collection on my credit report attached with there name with out showing me any proof of my signature attached to them
Product: Student loan

I had no intention of going to College and feel like I was forced into taking out loans by the recruitment staff at XXXX. I did n't know at the time that the amount of the loans was so much more than other colleges. While attending, I started to realize that I had made a mistake by going there and realized that most of the staff was underqualified. By the time I decided that I wanted to leave, I already owed around $ XXXX and I was n't even going to get a degree if I decided to finish. They were only offering a certificate of completion at the time. This did n't seem fair to me and now my loans are all defaulted and I have no intention of paying them. I feel like I 'm not the only one in this boat and I need help trying to get this resolved. These people really took advantage of me and they are still doing this to people. I had no intention of going to college, so I had n't done any shopping around. They got their hooks in me and before I knew it I was out $ XXXX with nothing to show for it. Please help!
Product: Checking or savings account

I was XXXX from XX/XX/year> to XX/XX/year>. My bank chase was notified of fraud transactions on or about XXXX XXXX once I was able to file properly of said fraud transactions. Upon later finding that they in turn did not believe it to be valid, took money from my account that was credited even though I sent in documents validating my claims. They have constantly said they need more proof or that I did not file all charges when I have. They are not helping me and I am not only out money that was stolen from me. But money they took back from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these erroneous items : 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: Checking or savings account

I have received a SBA PPP loan and deposited into my capital one simply checking account. I was using that loan amount to support my business during the pandemic period but capital one frozen my account recently and now I see that the amount was withdrawn from my account without my concent, with no proof of where it was sent. Capital one did not provide any reason why they took this action and neither did they reach out to me for any clarification. I did feel like capital one did not act as a financial service provider rather felt like a simple working man was harassed for no reason. I need my money back into my account if not then full written clarification of where my money was sent and reason for it asap.
Product: Credit card

My ordeal began with the {$5400.00} purchase of a defective XXXX XXXX  online on XX/XX/2023, which XXXX subsequently refused to replace. In seeking a resolution, I contacted Capital One to assist with the replacement and halt the payment until the issue was resolved. Despite multiple follow-ups with both XXXX and Capital One, including direct communication with XXXX XXXX XXXX, XXXX XXXX, the replacement has not been provided by XXXX. Instead, Capital One started to charge me a late payment of the defective computer. 

I believe that Capital One 's failure to protect my interests in this matter constitutes a serious breach of their responsibility, particularly concerning fraud protection. Rather than standing by their customer, their actions appear to support the fraudulent conduct by failing to intervene appropriately.
Product: Checking or savings account

XXXX took {$6900.00} from my account i called wellls Fargo and informed them of each transaction not authorized by me they over a month they cancelled 4 debit cards they but 3 of those debit cards on my digital wallet so I can pay things. And again more giant transactions made I would call asked if they can block the merchant because Im not authorizing anything they said no. 
I asked for a lost and transfer and they refused. I asked to close my account and refused. 

I still dont have a debit card. Nothing! They said because I agree for the cards to go in my digital wallet thats me giving access to ALL transactions. The bank never told me that nor does their policy state that. I never authorized any of the transactions they showed me. I said I have proof XXXX emails me invoices monthly of what they charge which is {$33.00} and they refused my proof, so I said how are you doing the investigation. They have refused to call me deny any claim and Im not allowed to appeal. I filed a police report in XXXX XXXX XXXX XXXX their number is ( XXXX ) XXXX police report XXXX XXXX XXXX XXXXXXXX. I have claim numbers, Ive gone in branch they gave me expedited claims and nothing. They refuse to even speak to me. A nice lady in a branch in XXXX XXXX on the XXXX XXXX gave me all the claims that they never submitted when each card was cancelled. They also sent texts to confirm fraud I said no I did not authorize none of these purchases. And all they said you authorized them by putting your debit card on your digital wallet. I had no idea others or I would have never. I call daily no information someone will call me back Im still waiting for a call. I do in branch and they cant help I have to call customer service. I banked there XXXX XXXXXXXX never had an issue, they were suppose to protect me and they refused to listen to me. XXXX XXXX XXXX XXXX XXXX XXXX  and I was unable to help because Im unable to use my account and because my money is not there. Ive done all I have to do and all Ive got is ignored. I want to close my account and they said I couldnt I asked why no reason just call customer service Im frustrated and sad. I dont know what to do!
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX - XX/XX/year> - {$19000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I'm submitting this complaint because of excessive over draft fees. On XX/XX/21 I was charged {$180.00} in over draft fees on items that were still pending. The over draft fee pushed my account into being over {$400.00} in the negative. When the items finally cleared pending I would have been less than {$200.00} over as many of the items pending were from companies like XXXX. XXXX often places a hold on funds in the account for much higher than the actual charge. Once the pending charge clears it is lower than the hold amount and XXXX will credit the difference.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and Equifax, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a bankruptcy discharge and a Bankrupcy that is on my credit report, that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 
Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved. 
I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and Equifax, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a XXXX discharge that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 

Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved.