23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter on XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts for I am having difficulties due to the inaccuracies with the following accounts listed. These accounts were reporting information that are violations to the FCRA and should be removed immediately.
Product: Debt collection

They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was 3 months XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. 
They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.
Product: Checking or savings account

I opened a checking account this past summer at US Bank. The account was closed a few months after opening it by the branch manager, XXXX XXXX because labeled the account as a " fraud account. '' In addition to closing the account, he charged me {$19.00} for a stop payment check discounting the facts. The account was not compromised. Additionally, the account was not overdrawn. I went into the local branch on XX/XX/2018 to discuss the issue because Mr. XXXX agreed to contact me prior to determining whether or not, he was going to close the account ; however, he did not. Upon arrival, Mr. XXXX greeted my daughter and I in a hostile, brash manner. His tone was abrasive and condescending. His deameanor was cold and unwelcoming ; very unconcerning and judgmental. After speaking with Mr. XXXX and providing him with evidence that the payment that was stopped was not within my control and action was taken against the company that stopped payment, Mr. XXXX assured me that the {$19.00} would be refunded within a week. It has been one month and I have yet to receive my refund in addition to me not receiving the {$200.00} incentive for opening the account because Mr. XXXX elected to close it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  allowed fraudulent charges and transactions that are against the contract I entered with them to hold me harmless of fraud.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XXXX  My correct Social Security numberXXXX My correct address isXXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX My employer is : XXXXXXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Debt collection

I believe this is scam company known as XXXX XXXX The number XXXX. They are trying to collect on a debt from many many years ago through Comenity Bank card with XXXX XXXX.They are  calling a phone number that belongs to my elderly aunt and uncle in Florida. Their number is XXXX. I have asked them to stop harassing these elderly people with phone calls. I gave them my name and number to call me directly : XXXX. They continue to call my aunt and uncle. I do not trust this debt collection agency. They will not send me anything in writing. According to this company they sent me a summons back in XX/XX/XXXX I did not receive it, my aunt and uncle did not receive. I have dealt with this company at least twice in the past. Same story : summons sent out in XX/XX/XXXX. Now they are harassing my elderly aunt and uncle and I want it stopped. Have Comenity Bank contact me directly and I will be happy to work directly with them. XXXX XXXX company also refuses to accept any small payment via a money order on a monthly basis. I have no idea how much the debt is for. I can not remember. Please help. Stop these unwanted harassing phone calls to my aunt and uncle. 

I appreciate your time and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My identity has been compromised and used to open up fraudulent accounts.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I purchased an item from a company that I purchased items from before. It turns out the company 's account throught XXXX was hacked. I sent {$400.00} through XXXX to what I thought was the vendor I had purchased from previously. It turns out, the money went the hacker that hacked the account. 

I am a customer with Bank of the West, and I was told since the the money was sent through XXXX the bank is not responsible for the loss. This is a service that the bank uses. How are they not responsible? What happened to me was fraud, plain and simple. 

Being frauded is humiliating, but how Bank of the West has treated me is even more humiliating. They tell me I should only have sent money to only someone I new and that it is my fault that I sent the money. 

To me this is an electronic transfer and I don't understand why XXXX, XXXX and others don't fall under this category. I just want my money returned. {$400.00} may not mean anything to the bank, but it means everything to me for someone on a small budget. 

Please, I hope you can help me.
Product: Money transfer, virtual currency, or money service

. On XX/XX/XXXX, I was a victim of a scam. I received text messages from " Chase Security '' asking if charges to my card were correct. I replied no and a fraud specialist contacted me and asked that I sign into my account while on the phone and I unknowingly allowed them access to my account. I received an email from Chase XXXX XXXX XXXX Banking on XX/XX/XXXX at XXXX XXXX  informing me of an outgoing transfer from my account and was provided a XXXX # to contact if I had any questions. At XXXX XXXX  I dialed the number provided and was informed that a wire in the amount of {$9000.00} had been made from my account. I informed the representative that the transaction was fraudulent and asked that it immediately be recalled. I followed up on XX/XX/XXXX with calls to various XXXX and XXXX # XXXX provided by customer service representatives stating that the transaction was fraudulent. After calling XXXX Thursday, XX/XX/XXXX, I was informed that I needed to go to my XXXX in order to obtain a Hold harmless letter. I arrived at the XXXX at XXXX XXXX. After the XXXX XXXX made several phone calls I was informed that it was not a XXXX matter and that I needed to call XXXX. Upon returning from the XXXX, I called the number and was advised that the claim was being worked on and that It would take some time. Friday morning, XX/XX/XXXX, I followed up calling the XXXX # provided by the XXXX and was told that the wire was properly authorized and the claim was resolved. Chase would take no further action
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to dispute a 30-day late payment on my credit report that is being reported by Experian. The late payment is for a XXXX XXXX credit card account with the account number XXXX. The date of the late payment is XX/XX/2022 I believe that this late payment is inaccurate because I made the payment on time. I have attached a copy of my payment receipt as evidence. 

I am requesting that you investigate this matter and help me to get the late payment removed from my credit report. I am entitled to do this under Section 15 611 of the Fair Credit Reporting Act ( FCRA ). 

I would appreciate it if you could investigate this matter and help me to get the late payment removed from my credit report within 30 days. If I do not hear from you within 30 days, I will file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company continues to harass me over debt that doesn't belong to me. I've sent in proof of its fraudulence, yet they continue to report it as accurate. In fact, XXXX deleted the accounts due to its lack of merit, but this company had it added back on which is illegal and a violation of my rights. This is causing me extreme anguish and I'm considering litigation. Please remove this account from reporting to the credit bureaus.
Product: Mortgage

CRA violation. Because the contents of a complete CRA Public File were not provided to me within five calendar days of my request, City National Bank did not comply with the requirements set forth under Section 228.43 of Regulation BB. Specifically, Section 228.43 ( c ) ( ii ) of Regulation BB states, in part : A bank shall make available to the public for inspection upon request within five calendar days of the request all the information in the public file relating to the assessment area in which the bank operates. 

XXXX failed to provide in five days my original request was Wednesday an email dated XX/XX/XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts XXXX included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX   XXXX  / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent account are reporting on my credit report. 

XXXX XXXX {$13000.00} XXXX CARD {$2600.00} XXXX XXXX {$420.00} XXXX XXXX {$1000.00} XXXX CARD {$4400.00} THE BUREAUS
Product: Credit reporting or other personal consumer reports

Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX Account numberXXXX Date opened : XX/XX/2021 It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware has been furnishing my account information to credit reporting agencies on an account that my father was the primary account holder and I was only an authorized user. My father passed away in XX/XX/XXXX and the account was closed in XX/XX/XXXX after I notified them that my father had passed while trying to have myself removed as an authorized user. Because the account became delinquent in the aftermath of my father 's passing, my credit report has been negatively affected since I am still listed as an authorized user despite the fact that I am not legally liable to pay the debt that my father accumulated. I have called Barclays several times to be removed as an authorized user and they tell me their Customer Service can't remove me from an account that is already closed. I sent a formal dispute to FCRA Credit Bureau Disputes, twice, and have received two letters from them, the most recent dated XX/XX/XXXX saying that the information they are reporting is accurate and that if I would like to be removed as an authorized user to call their Customer Service at ( XXXX ) XXXX. When I call this number Customer Service says they can't remove me from the account because it's closed, then they connect me to XX/XX/XXXX, who told me they also can't remove me from a closed account. I don't know what to do at this point, I keep getting the run around and just want to be removed as an authorized user on this now delinquent / closed account so it doesn't continue to negatively impact my credit report.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX I was contacted by XXXX XXXX about purchasing concert tickets to XXXX XXXX. 
Several text messages were sent and he also called from XXXX Phone number. I wrote up an invoice and sent him the tickets.He paid through paypal. He accepted the tickets. 
I have a record of the text messages and receipts of him accepting the tickets. 
On XX/XX/XXXX he went to his Visa card and took the money back saying it was unarthorized use of his account. I sent paypal all the text messages and statements which they sent to Visa. 3 weeks after the concert the guy is scamming to guy his money back. I need my {$290.00} back. 
The phone number is his. He answers to it. Visa is scamming to. 
I need Visa and XXXX XXXX Address to go to court. 
I also filed police charges on XXXX XXXX. 
I am sending the text messages, Accepting ticket receipts. 
Paypal won't release which Visa bank took the money. 
They just took the money away from my account with no documents or anything from Visa and the Bank that Visa is using. 
Without that proof it is fraud on the part of paypal. I have no documentation and they refuse to give me any documents reguarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}, XXXX XXXX XXXX Loan Type : CHARGE ACCOUNT Balance : {$0.00}
Product: Debt collection

XXXX bank sold my accout to midland credit management. I called them to make arrangements to pay, they stated I had to call back in a week.I called again and was told they could not give me any information at that time.They finally called me a week later and when I refused to give out my bank information I was told they would get an attorney.They also wanted to send all correspondence via email, I refused that as well and again I was threatened with them getting an attorney.I never refused to pay.They called me non stop.I then told them I had mailed a validation letter and once again they wanted to send it via email, when I stated I wanted it in writing via regular mail the again threatened to contact attorney in my area.
Product: Money transfer, virtual currency, or money service

paypal closed my account and take my money for no reason, i was collecting donations from my friends and family to help my dad because he is in hospital, i am using this account for 6 years, now its closed and they take the donations, they asked me to wait for 180 but my dad is XXXX in hospital, i have read user agreement and i didn't do nothing wrong. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report which I recently obtained, and I have noticed several negative items that I would like to dispute. Please find the details of the negative information below : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXXXXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

I believe that these negative items are inaccurate and have caused my credit score to be much lower than it should be. Therefore, I kindly request that you investigate these items and remove them from my credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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

While checking my XXXX credit report I noticed a hard inquiry from Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The phone number given was ( XXXX ) XXXX. I have not requested a credit card of any type of credit from this bank. 

I called the number and was asked to provide my social security number or account number. I tried to speak with a person but was unable to do so. I contacted XXXX via their online chat and was told I couldn't resolve inquiries through XXXX. I was told to contact the company. As I suspected I would not get " help '' without providing personal information to a company I suspected of being a scam I refused to do this. 

I am at a loss. I did not request credit from this company and don't know how they got enough info on me to place a hard inquiry on my credit file. An internet search did not settle the matter. Many say the phone number is for a scam, but others say it is legit. Other than monitoring my credit file to see if something new appears from this bank, I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I did not sign nor agree to no loan transfer or sign any agreement or terms that or to XXXX XXXX XXXX XXXX XXXX agreeing to new terms. XXXX XXXX XXXX XXXX is the originator of the loan. XXXX XXXX  XXXX needs to provide me documents of loan change and redone sign agreeing to terms agreeing to a loan transfer in my name. 

XXXX needs to provide me documents there the originator of this loan. According to the documents I sign XXXX XXXX XXXX Conduent Documents that was provided to me is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the documents provided to me there is no ( XXXX ) on none of the documents I sign for the loan or the orgination/Originator of the loan. There is no ( XXXX ) no where on none of the documents I sign nor is any information they reported on my credit file with Experian legal to do there is no sign legal binding contract or loan with them. 
Experian has no documents that they sent me back on the uploaded documents showing this company ( XXXX ) as any original owner of the loan nor has Experian showed me any documents that I agreed to a transfer by XXXX XXXX XXXX XXXX. 
As on the Documents XXXX XXXX XXXXXXXX XXXX XXXX is not listed as the original owner of the loan as well as the documents supplied by them and sent back to me from Experian. 
I need proof from XXXX XXXX XXXX XXXX to how they are the original legal owner of this loan in to which there no where on none of these documents sent to me. 
As shown Conduent is shown on the document Experian needs to provide proof from ( XXXX ) that there the original loan not as a servicing company in which I never agreed nor sign any documents of any legal biding transfer of this account with no consent by me legally binding Further more this looks like fraud by XXXX XXXX XXXX XXXX ( XXXX ) as to no legal documentation just some transfer with out merit or legally binding.

If documents cant not be furnished to this matter I 'm going to pursue legal action on XXXX XXXX XXXX XXXX as well as ( XXXX ) to why there was no legal paper work sign or legally binding contract and why XXXX XXXX XXXX XXXX is no where on any of the documents as well as ( XXXX ) This look like a paper game with no real owner or legally binding as to the manes listed XXXX XXXX XXXX XXXX. 
XXXX is no where on any documents what so ever Documents uploaded as proof there is no XXXX XXXX XXXX XXXX no where on any documents nor ( XXXX ) so where is the legally binding agreement with ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted them and spoke to someone in the lending department. I reported to them not only verbally but also in an email that my first and second mortgage are reporting each twice so it looks like I have four mortgages. I am in the process of refinancing, I have called Navy several times to try and get this resolved and they have not returned my call. I did get one email response stating that this would not affect my credit however the other institution has out my loan on hold until I get this resolved mean while I am probably going to loose the rate I locked into and the money that I paid for an appraisal. NFCU should not be reporting liabilities twice and there should be someone there that should be able to assist me. I asked to speak to someone to file a complaint and then was transferred several times and then ultimately disconnected.