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

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE XXXX TIME FRAME MANDATED BY THE FCRA. 

YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit card or prepaid card

The XXXX XXXX XXXX website was down whenever I went to make my payment, which resulted in my payment being overdue. Further, the link to enable auto pay on the website does not work, so I could not have even setup Auto Pay to avoid this issue all together. The office that I am supposed to call into to resolve problems is not open, and overall I find this ridiculous for a credit company to have these flaws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation request on XXXX XXXX, 2021, which was delivered on XXXX XXXX, 2021 to National Credit Adjusters , LLC ( NCA ). This company has " verified '' an alleged debt multiple times in the past few months, so I contacted them directly. It is now XX/XX/XXXX, and I have yet to receive any validation or proof of the alleged debt from NCA. This company is using outdated information to " verify '' the alleged debt, and have not responded to my request within the 30 day time frame.
Product: Credit card

I signed up for a business credit around 1 year ago and chose a specific credit card because of their generous points promotion. The chase XXXX credit card offered XXXX points for spending {$6000.00} in the first 3 months. I hit my spending threshold and was awarded the points. However, after several months I became aware that the card was cancelled and that my points were gone. I called Chase and they told me that they cancelled my card after I did not reply to their mailings about a question they had about my account. I explained that I certainly never received the mailings, or I would have replied. They told me that there was nothing they could do even though I had followed through with the requirements to earn the points. After speaking with a manager who told me they will consider my request and let me know within 10 days about a final decision via mail. I half jokingly said that obviously mail does not seem to be a reliable source of communication with your company. Not surprisingly, it has been 2 months and I have still not received correspondence about my request. I looked at the account yesterday and see that I still do not have access to the points they stole from my account ( more than XXXX ). Please help. I feel helpless and Chase has done nothing to fix the issue. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch was transunion 's problem-not mines- caused my inquiries was deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX XXXX @ XXXX XXXX on XXXX XXXX, 2017 he told me that the department was closed that handles that problem and he did n't have to give me his ID # that his name was all the information I needed. These inquiries add a hardship and that my rights were violated by transunion.
Product: Checking or savings account

On XXXX XXXX, XX/XX/XXXX between the hours of XXXX - XXXX XXXX  in the afternoon XXXX  I went to the ATM to deposit my money from Workman 's Compensation at the CHASE BANK on the corner of XXXX XXXX  XXXX and XXXX XXXX. XXXX XXXX California We counted out the money and then went through the process to deposit. The ATM took the money and the machine ( ATM ) began to roll around and around and in about a minute a message came up that there was a problem with one of the bills and so we waited for it to return the money. The ATM continued to roll and grind and then suddenly the machine shut down taking the money but not issuing a receipt. 

I panicked and tried to call the CHASE customer service which was closed. I stood there crying at the machine hoping and praying that the money would show up and be on my account but nothing happened. Another CHASE customer came by and wanted to use the machine however I was standing there crying and she assured me that CHASE would be able to see that the deposit was in fact made and that they have VIDEOS and CAMERAS that will show our transaction. 

I've called filed a claim, I've gone in and spoken with the Bank Manager and they tell me that they DO KNOW that I attempted a deposit but never made it. They say that they didn't find an extra {$300.00} which was XXXX XXXX XXXX DOLLAR BILLS. 

I asked for them to look at their videos and cameras which they told me they don't do. 
What!?!?!?!?!? 

If the bank had been robbed or an incident happened at the ATM they would easily pull up the camera. We STOOD THERE COUNTING the money out before it was put in the machine. I'm out of {$300.00} very much needed and depended on money because they aren't doing their due diligence to locate it. How do I know what happened after the OTHER SIDE employee emptied the machine. 

Please for life 's sake help me here. CHASE doesn't care. 

Best always, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I made a purchase at XXXX XXXX in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me.

She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.
Product: Student loan

I talked with an Advocate at Navient on XXXX XXXX 2017 and advised them that the monthly payment of XXXX was too much for me to pay right now due to all my expenses that I have. I told her that I could pay no more than {$350.00} a month right now and she did a calculation and said it should be in that ballpark ; however when the IDR was submitted, they advised me that my monthly payment would be {$680.00}, which is still too much. They do not take under consideration all the debt that you have. They look at your Gross, inwhich I do not bring home my gross. My loan was originally a little over {$40000.00}, they have assessed over 35.000.00 in interest. I think the interest charges are astronomical, I was advised my account accrues close to {$400.00} dollars a month interest along.
Product: Mortgage

To whom it may concern. 
I am submitting a complaint against Mr. Cooper. Mr. Cooper is stating there was not sufficient funds in my bank account when they attempted to withdraw my auto-payment on XX/XX/XXXX. This is not true. See timeline below for details. 


1. On XX/XX/XXXX I received a letter from Mr. Cooper indicating my auto payment had been stopped for a reason indicated as other on the letter ( see attachment ). I spoke with a Mr. Cooper rep who indicated there were insufficient funds on the date your company attempted to withdraw the payment from my account. See first attachment of my XXXX XXXX XXXX XXXX account statement for XX/XX/XXXX. You will see there were sufficient funds in my account. 
2. According to XXXX XXXX XXXX XXXX ( my bank ), they have no record of a request or attempt to withdraw funds. My credit union explained that I have overdraft protection on my account. Which means, if Mr. Cooper attempted to withdraw funds, my bank would have permitted the withdraw. If this would have happened the credit union themselves would have penalized me for insufficient funds at the time the withdraw was made. As you can see on my bank statement, there are no penalties for insufficient funds in XX/XX/XXXX. ( see attachments ) 3. I made my mortgage payment as soon as I learned of the issue. See mortgage payment withdraw on XX/XX/XXXX. 
4. Please note that my XX/XX/XXXX mortgage statement indicated payment was received on XX/XX/XXXX. The XX/XX/XXXX statement would have been the first statement or communication I would have received that XXXX mortgage payment was received. 

As soon as I received the letter I made the mortgage payment. I reached out to my bank who confirmed no attempt was made by Mr. Cooper to withdraw funds from my account. You can see there were sufficient funds in my bank account. 

I am in the process of refinancing my home and this has been a major set-back in the process. 

XXXX XXXX
Product: Checking or savings account

They never told me that direct depositors will need to have new routing instructions. 

I, an XXXX man, had to spend 2 1/2 hours on the phone with Capital One, and now have to deal with government agencies to make sure that the pensions go into the right account. Another nightmare caused by their negligence. 

Also, they never addressed the fact that it took a week to notify me instead of calling me immediately. 

They also did not explain why the XXXX XXXX branch expected me to carry my passport. 

Also, they could not text me on the cellphone that they forced me to buy in order to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on my credit file. I however, never received a 30 day right to dispute notice from Express Recovery. This is a violation under the FDCPA and the FCRA and it must be removed on that basis. I am aware that Express Recovery can report to the bureaus as they deem necessary since they are the furnisher, I ask they remove the collections from my credit file until this debt is validated to me. Until then all negative reporting must cease. Reporting invalidated debt can constitute fraud under both federal and state laws so It would be wise for Express Recovery to remove this immediately.
Product: Checking or savings account

On XX/XX/2023 I requested to have my Empower.Me account closed and was told that I will have to wait for the XXXX until the funds would settle. It's been over a month now. When will my funds be returned to me? 
Every time I call or send an email, I am constantly given the same lame response, " We promise that we've received your message and we'll get back to you as soon as we can. '' or " I will escalate your case. '' I haven't received any response in regards to my funds. This company is trying to rob me.
Product: Debt collection

I INFORMED CAPITAL ONE THIS IS NOT MY DEBT AND MY SSN NUMBER WAS USED FRAUDULENT WITHOUT MY KNOWLEDGE OR MY AUTHORIZATION
Product: Mortgage

Ive been in forbearance on my Bank of America mortgage loan since XX/XX/XXXX, in accordance with the CARES act. My mortgage is with XXXX XXXX. Recently I read that executive action released on XX/XX/XXXX, that they have extended the forbearance an additional 90 days past the original 12 months. Ive called twice, on XX/XX/XXXX and XX/XX/XXXX to extend my forbearance in accordance with the executive release and both times have been told by a representative that Bank if America doesnt have the extension in their system. They refuse to connect me to a supervisor.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows XXXX 30 days missing paying on a car loan, one in XXXX and the other in XXXX. 
XXXX only has XXXX days and XXXX on each leap year. 
Ally shows payments in XXXX and XXXX as being paid as agreed. How did XXXX account for 30 days in the month of XXXX? 

If this was a computer error and automatically generated it should be corrected.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted my HR director, XXXX XXXX XXXX, about not receiving my paycheck. I was informed that my payment was sent to new banking information that was allegedly provided by me. The HR department forwarded information showing a direct deposit change request with my name, address, and SSN but not my employee number. Additionally, the new mailing address did not match the one on file with our third-party payroll company, XXXX 

Upon further investigation, we discovered that an individual had hacked into my work email account and sent the direct deposit change request from my email. They had also set up a routing rule to move the email to the deleted folder, permanently deleting any responses. The only copy of this transaction is from the HR department 's records. 

In response, my employer shut down my email account and factory reset my computer. While they have agreed to reimburse me for my XX/XX/XXXX paycheck, they have refused to reimburse me for the XX/XX/XXXX paycheck, claiming I did not contact HR about the missing payment at that time. Normally, I diligently track my direct deposits, but during the XX/XX/XXXX paycheck period, I was dealing with multiple family emergencies, including the loss of my father and my fianc 's father, as well as moving. 

I have reached out to my employer to request reconsideration for the XX/XX/XXXX paycheck due to my extenuating circumstances, but I have yet to receive a definitive response. They sent me a copy of the handbook outlining the policy, but considering my situation, I asked to please consider a special request to pay the XX/XX/XXXX paycheck. 

I am currently under significant financial strain as I have not received my XX/XX/XXXX paycheck as promised, and the additional loss of my XX/XX/XXXX paycheck is causing immense stress. 

I have taken several steps to address the fraud, including filing a police report with XXXX XXXX, submitting a report to the FTC, and placing a freeze on my SSN with the three credit bureaus. I am now reaching out to explore options for recouping the loss if my employer does not reconsider my request to pay the XX/XX/XXXX paycheck. 

I also contacted SoFi bank regarding the routing number and the XXXX bank accounts that were set up fraudulently. I inquired whether the accounts were in my name and if I could be refunded. They informed me that the claim would be referred to their fraud department and that someone would reach out within 10 days. I followed up, but there has been no resolution, nor have I received any further communication from them. 

I appreciate your time and understanding in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Cfpb complaint is a request to help me remove the account does not supposed to be in my credit report. A collection company is still continuously reporting this account in my credit report. Please be informed that this case is considered as debt parking because the same original company and balance has been on and off my credit report. The original creditor of the account I am disputing is from XXXX XXXX XXXX XXXX XXXX for the balance of {$550.00} this was reported before in collection company XXXX XXXX XXXX on XX/XX/XXXX. During that time I disputed this account directly to XXXX XXXXXXXX XXXX and 3 credit bureaus. I even requested validation of debt because I am even familiar I am sure that I do not owe them anything. And after few months of disputing this account this was eventually removed XX/XX/XXXX. I believe that because they lack information and validation to prove that I owe this was removed. However, as review all of the accounts reporting in my credit report on the same XX/XX/XXXX report this is now reporting in other collection company PHOENIX FINANCIAL SERVICE. I confirm that this is he same account because of the balance and the original creditor. This is plain and clear debt parking concern. This debt from XXXX XXXX XXXX XXXX XXXX is on and off my credit report and being reporting in different companies. This is negative information that should not be in my credit file ever since. If XXXX XXXX XXXX give up and removed this account in my credit file due to lack substantial evidence then I need PHOENIX FINANCIAL SERVICE to remove this account as well in my credit report. This account has been affecting my credit score. All the credit bureaus has been reporting this account without making the collections company responsible with the accuracy of their report. It is almost a year that I am suffering for this inaccurate report. Please completely cease the reporting of this account in my credit report.
Product: Debt collection

On X/XX/2017 Convergent Outsourcing Solutions included a derogatory debt on my credit report without proper debt validation which was requested on XXXX XXXX, 2017. I have no contract with Convergent to collect debt from me. They have called my job repeatedly at XXXX and have put me in jeopardy of losing my job even after I have asked for debt validation. Which is a signed contract and not a statement telling me how much I owe them. This company negative reporting is having a negative impact on my credit worthiness being that it is the only negative reporting on my report.
Product: Debt collection

This is harassment and for a minor debt that I thought was resolved through discussions with XXXX XXXX XXXX XXXX Customer Service and then these collection agencies continue to harass me. 

I.C. System XXXX XXXX XXXX XXXX XXXX, MN XXXX Credit dispute for XXXX XXXX XXXX XXXX account closed in early XX/XX/XXXX. 

This is the second or third collection agency assigned to this matter which is disputed for the third or fourth time. 

I closed the account when transferring our cell phones ( and XXXX XXXX  ) from XXXX XXXX XXXX to XXXX. Everything seemed fine until XXXX of XXXX when I got an automatic payment to XXXX XXXX XXXX for {$87.00}. Since the account ( I thought ) had been closed and made final payment in XXXX, I called XXXX XXXX XXXX to discuss the charge for {$87.00} This occurred in approximately XX/XX/XXXX. It was then that I determined that during the transition from XXXX XXXX XXXX to XXXX that XXXX of the iPhones was still active on the XXXX & XXXX network even though it was active on the XXXX network. 

In discussing the account with XXXX XXXX XXXX customer service, they indicated that I should contest through the credit card company which I did. XXXX XXXX refunded the {$87.00} to me. 

Then XXXX XXXX XXXX contested and rebilled the automated payment by XXXX XXXX. I then got XXXX XXXX to refund the {$87.00} again and prevented XXXX XXXX XXXX from being able to bill through the automated payment process. 

After talking again to XXXX XXXX XXXX Customer service, they indicated that they could not refund my {$87.00} because the account was closed and therefore, they could not process a refund. They told me to go through my Credit card company to process the refund which I did. 

XXXX & XXXX still tried to collect the {$87.00}. This obviously is a minor payment all things considered but it is the principle that I have decided to stop a Large company from continuing trying to collect money which even their Customer service admitted their own system could not process the refund. 

Some months later XXXX XXXX XXXX turned this over to a collection agency and called repeatedly over many months. After talking to them, I told them all about this process and referred them back to XXXX XXXX XXXX customer service since this all had to be in the notes regarding this account. 

From what I see the dispute was posted to my credit in XX/XX/XXXX. This was almost a year after this whole process started. 

I hope this provides enough information to get this expunged from my credit. I will be pursuing this and reporting it thru the www.cfpb.gov/debt-collection system. Please stop contacting me. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX
Product: Mortgage

I keep getting telephone calls from a number XXXX XXXX XXXX I have told them numerous times do not call me. Today I received another call and they said they were from Secure Lending and I asked them how did they get my number and they said from the FHA. I got the companies telephone number XXXX and spoke to the supervisor XXXX and asked her to remove me from their call list and that I am on the Do Not Call List. I also advised her I have told her telemarketers numerous times not to call me and if it is not resolve in XXXX days I will be filing a complaint. But I am so sick of them they have already been calling me for more than a month already.