23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!! I just received the deletion form from XXXX XXXX XXXX XXXX as well. I have attached it. I have been trying to get this removed off of my credit report for 5 months this is just ridiculous! This was supposed to be removed when I submitted the police report to you back in XX/XX/XXXX but instead of you blocking it under the XXXX order you submitted it as a dispute to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts are and have been opened due to Identity theft and fraud. I 've had to go to each one of them and submit the information. I sent you the deletion order for XXXX XXXX, which was deleted, now I am sending you the deletion order for XXXX XXXX XXXX XXXX and I am awaiting the deletion orders from XXXX and XXXX. You should have just removed it just like XXXX and XXXX had but you did n't. You have cost me so much. Your not doing your job as your supposed to your hendering everything by not doing it.
Product: Credit card or prepaid card

I applied for credit card to get a reduced rate on my XXXX fare and I also purchased trip insurance. The trip was cancelled and I thought my credit card was reimbursed the amount. I was wrong. I contacted credit card company in XXXX when I saw bill from them. I was told to pay the {$140.00} and when I was reimbursed by insurance to submit it to them and they would reimburse me. During the conversation, I told them to cancel my card. I remitted {$140.00} payment over the phone and forwarded the insurance document. ( attached letter dated XX/XX/XXXX ) Then I received an alert on my credit report and called them and spoke to them.I disputed this and received the attached letter dated XX/XX/XXXX saying I will be reported current. Fast forward another couple of months and they charge me an annual fee and interest on annual fee for a card that was to be closed based on a dispute I had with them regarding my credit. I then submitted another credit dispute, see attached letter date XX/XX/XXXX. My initial letter on XXXX XXXX tells them to cancel my card as it was part of the initial conversation, but they have now charged it off and it is on my credit report and they keep sending me email to pay XXXX of it. I should not have to pay any of it because it should have never been renewed. Please help! 

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Product: Debt collection

I was a customer of XXXX XXXX XXXX. I have been informed that as of XX/XX/year> a company by the name of Transworld Systems Inc. ( TSI ) has taken over XXXX XXXX XXXX XXXX XXXX XXXX. TSI has since assigned account XXXX XXXX TSIM. 

Not only has TSI been provided my private information by XXXX XXXX XXXX, upon requesting validation of the debt from TSI, I was sent a XXXX XXXX XXXX XXXX which shows zero affiliation to TSI, who is now unlawfully in possession of my private information and claiming that I am indebted to them.
Product: Debt collection

XXXX XXXX offered a settlement ( in writing ) in XXXX 2017, for a credit card debt with them. All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to Portfolio Recovery. I provided them with documentation of the settlement agreement. The only response I got concerning my documentation was that according to their research, I still owe the debt. They have now forwarded the debt to debt collection lawyers ( XXXX XXXX XXXX ) of XXXX, Utah, who I assume are now planning to file suit on the matter. They say they same thing, that according to their research, I still owe the debt. At this point, apparently this definitely does need to come before a judge to decide whether a settlement agreement is enough, or that I should pay the balance on the account, even though it was the creditor, XXXX, who didnt fulfill their side of the agreement. And apparently, Portfolio Recovery and XXXX XXXX also do not think a settlement agreement was sufficient to keep XXXX from demanding the balance of the debt, as now Portfolio Recovery is demanding the balance of the debt.
Product: Credit reporting or other personal consumer reports

XXXX was removed from XXXX credit report XX/XX/year> for not sending credit card and unprofessional installation ( destroying homeowner 's walls ) XXXX retail now XX/XX/year> has resurfaced back on XXXX credit reporting agency stating I owe now {$26.00} XX/XX/year> lowering my credit score!!! 
When I notified consumer federal protection services, I don't want their services, cancel and come get their products!!!! 
XXXX retail is threatening me and playing a game with me!!! 
I want to SUE XXXX for damages to my house!!!
Product: Money transfer, virtual currency, or money service

please consider our request to release funds for the transfer to the supplier of goods from XXXX. We made a transfer dated XX/XX/2022 in the amount of XXXX USD from the settlement account in XXXX Bank ( XXXX ) to the settlement account of the Supplier of Goods XXXX XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ). The funds were transferred through the correspondent bank XXXX XXXX XXXX - JPMORGAN CHASE BANK , N.A . and on XX/XX/2022, the money was received on the correspondent account of BANK XXXX XXXX, XXXX XXXX : XXXX. swift message number XXXX. to date, the money is in the BANK XXXX XXXX account and is not returned to us or transferred to the final recipient at XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ). XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ) responded to an official request with information that the funds could not be received due to sanctions against XXXX XXXX XXXX ). Please consider the issue of refunding funds to the settlement account of XXXX XXXX XXXX ) from the settlement account XXXX
Product: Mortgage

At the end of XXXX I turned XXXX years old. My husband has passed away. My husband was a veteran and that is how I have a VA loan. I needed to stay home and isolate during the pandemic out of fear of infection. After the forbearance I requested a VA partial claim on XX/XX/XXXX. The partial claim was sent out XX/XX/XXXX. My memory is not great and I misplaced the documents and did not return them in time. My understanding that since the partial claim did not go through is that I am eligible for another one. I requested an updated partial claim. My interest rate is 3.25 % and a partial claim would have allowed me to keep that rate. My lender refused to send my loan to VA for another partial claim. Then in XXXX, XXXX they ran my loan for a modification and sent me an application. I did not fill the application out correctly and it was denied. I was verbally told the VA was unwilling to help me. I asked for the VA denial in writing and was told they would not provide. My lender is now calling XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refuse to take my husband 's name off the calls ( even though they have the death certificate ) and they call and ask for my deceased husband. This is very hard on me as his death was very difficult for me. I ask them not to leave voice messages for my deceased husband as it causes stress, they told me no. I feel as though I am in a bad position because my lender did not send me to VA for the partial claim while it was available. Also, they have sent me to an attorney for foreclosure action. How can they foreclose and kick me out when they blocked assistance that would have brought my loan current?
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. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$820.00} ; MEDICAL XXXX Balance : {$43.00} ; MEDICAL XXXX Balance : {$32.00} ; MEDICAL XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to Experian, XXXX, and XXXX  on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have more items left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report XXXX XXXX XXXX XXXX Please see the items to be REMOVED below that resulted from an alleged identity theft : 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 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 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

Greetings There are several accounts on my credit report that fell into the charge off category. However, They was letter settled but the third party companies have yet held up their end of updated the account of being settled. 1. XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX settled {$590.00}, XXXX  ( XXXX XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX settled {$440.00}, and XXXX XXXX XXXX XXXXXX/XX/XXXX settled XXXX ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX )
Product: Debt collection

Repeated ongoing phone call all day and night. I paid the amount, {$360.00} to XXXX XXXX, however the calls and letters did not stop. As a matter of fact I was harassed for not paying this debt that not only paid once but I paid it TWICE and still they insisted they did not receive payment. This satisfied debt is still being reported improperly and incorrectly on my credit report and negatively impacting my credit score and worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount of XXXX  dollars was paid in full. Then they charged XXXX for 4 months for interest without me knowing. Did not tell or contact me. sent XXXX dollar amount to credit score companies they dropped my score by XXXX points. Terrible same on them. That amount was paid in full. What a waste of time these companies are. A disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a letter about my credit report on XXXX XXXX. I have not got any results. please look the letters. I've been trying really hard to pay my bills on time to get my score up but I believe my report was misused. please take a look
Product: Credit reporting, credit repair services, 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. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following accounts have violated my rights. The inaccurate reporting has affected my ability to purchase a home or get financing. I am an XXXX XXXX XXXX with XXXX  I feel taken advantage of. 

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 

Under the Fair Credit Act,15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ), 12 CFR 1026.10 ( f ) I have tried to resolve these matters with the bureaus & CFPB. I submitted the complaint on XX/XX/2023. It has has been XXXX since submitting complaint and there's no action. All I get is letters from them to discurage me from seeking justice. 

According to 15 USC 1681n ( a ) ( 1 ) Any damages sustained by the consumer as a result of the failure or damages will be compensated.

As a result of this I want all fradulent accounts removed from my credit report immediately with {$1000.00} dollars per violation. This level of injustice has tarnished my ability to get financing for a home for my family or even be able to apply for credit.
Product: Checking or savings account

XXXX got charged {$50.00} dollars each time i overdrafted even tho they offered a feature to stop from going over your account. I had put a stop to have no over drafts but kept on getting charged for it everytime which didnt make sense to have that feature of not getting over drafts and it still went thru. i ended up closing my account because i couldnt handle the over draft fees
Product: Credit reporting or other personal consumer reports

This is my 8th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Bank account or service

I just received an unsolicited debit card from netSpend encouraging me to sign up to have my paycheck deposited with them. The card is real and way to easy to activate. Seems very deceptive and comes with lots of fees.
Product: Credit card or prepaid card

A fraudulent charge of {$520.00} was posted on my card on XXXX XXXX, XXXX. Bank of America credited that amount to me on XXXX XXXX, XXXX. The merchant then credited me {$1000.00} on XXXX XXXX, XXXX. Bank of America collected that amount in two transactions for {$520.00} on XXXX XXXX, XXXX. At that point the fraud claim was closed. 
Then on XXXX XXXX, XXXX Bank of America made an accounting error and charged my card a third time resulting in an erroneous charge of {$520.00} being posted to my card. I have called since XXXX and every single day on the week of XXXX XXXX. I have spoken to fraud claim representatives and escalated to management. I was finally told over the phone and by USPS mail that accounting saw their error and would correct it by crediting my card {$520.00} in 7-10 business days from XX/XX/XXXX or on my XXXX statement. 
I paid the {$530.00} balance on my account as my payment was due XXXX XXXX, XXXX or I would incur a late payment fee that I would no doubt have to fight as well. 
On XX/XX/XXXX my statement became available to me and there is still no credit to my account besides the {$530.00} that I paid with my money. Bank of America has not credited me the {$520.00} that they owe me and has dragged this issue out to the point where I paid for their accounting error with my own money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} INQUIRY REMOVAL BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it XXXX concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( XXXX ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 


XXXX XXXX : Need removed XXXX. 

XXXX XXXXXXXX XXXX : XXXX Want this information removed from report the reporting not right i already contacted them they cant do anything just want it removed 18 usca I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

XXXX XXXX
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with State Employee 's Credit Union on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but State Employee 's Credit Union took cash. State Employee Credit Union willfully implied that I am the Borrower of this consumer credit transaction, when in fact I am the original creditor. This is highly false and misleading pursuant to 15 usc 1692 ( e ). State Employee Credit Union is in violation of 15 usc 1692 ( f ) ( 1 ). This consumer credit transaction did not include the interest percentage rate, following I was charged 11.25 % yearly.
Product: Debt collection

Received a phone call from TEK COLLECT INC on XX/XX/2023 at XXXX the phone number they used at the time is XXXX. Upon answering the phone they immediately asked for my name, where I asked who they were and what company they were calling from. The caller refused to identify and stated they need to verify who they were talking to before releasing that information. Upon asking again for the information, I was put on hold for 30 seconds. They then came back on the line with a different person and stated they were from Tek Collect about a debt. I immediately informed them that they violated FDCPA by refusing the identify immediately upon request and that they were calling a cell phone incurring me charges where they were not authorized to call. The phone call was immediately terminated.