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

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX   XXXX Experian XXXX XXXX   XXXX Second Round XXXX   XXXX Experian XXXX XXXX   XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX. has repeatedly contacted both of my sisters, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) regarding my debt in an attempt to both collect debt as well as to threaten legal action in the event that no action was taken. A voicemail with the aforementioned behavior was left for XXXX XXXX on XX/XX/2019. Furthermore, a voicemail was left for XXXX XXXX on XX/XX/2019. Moreover, text messages were also sent to both of my sisters regarding the same information on the same dates provided.
Product: Checking or savings account

CFPB Complaint ID : XXXX I'm terribly sorry but this is not a finished complaint. Please see my comments : Capital One says, " In addition, per the Terms and Conditions of the XXXX Checking, were only able to accept check deposits made payable to the account holder only. Due to this, we also dont recommend having the checks made payable to both yourself and the third-party as this may cause additional errors even if both endorsements are made. 

Even if I'd gone to a teller instead of using the ATM for deposit, the check already had XXXX payees. 

So my question is : How do we get around this? Can an exception be made? What happens if XXXX are able to reverse payment, recover the funds and reissue the checks? Im faced with the same situation. Will Cap One be able to handle that situation? How? Because, assuming the insurance company ( XXXX ) is agreeable to reissuing the checks, capital One and I will be in the same situation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

wrote several dispute letters to the credit agencies, XXXX, XXXX, and Transunion to let them know by Law they do not have the right to show late payments on my credit report. By Law.. 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.. Meaning they are showing transactions and experiences on my credit report which is a Exclusion by law.
Product: Debt collection

In XX/XX/2018 I called USAA to report a change in address. This was followed with a brief note advising the same. I did not receive a billing from USAA for approximately 60 days thereafter and when I did it had been forwarded from my old address which continued for the next billing cycle. By this time I was in serious arrears. When I communicated my circumstance to representatives of USAA now calling repeatedly, I was told that I was in arrears and the minimum payment was required. I continued to make regular monthly payments but was unable to make the required minimum payments which were now piling up due to my so-called delinquency. Late fees and delinquency fees by this time now consuming my regular monthly payments. I have tried to work through this matter with representatives but to no avail. I recently requested moving back my monthly billing date as in XX/XX/2018 I sustained a serious injury, XXXX XXXX XXXX, and have been unable to work since, I was told that this could not be done until my account was current, which by their standards I was not. I have written everyone in USAA even XXXX XXXX CEO of USAA who passed me off to a XXXX XXXX who as advised me that he " regrets being unable to reach me by phone, '' My phone records do not show any telephone calls from Mr. XXXX and I have called his office at least three times, None returned. I simply need help. USAA will not assume ANY responsibility for their failing in this matter and I am being required to pay for it. These practices " boarder '' on predatory lending and they will assume no culpability in this circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 according to the FCRA. Experian has also caused me great mental anguish causing severe XXXX because they have not tried to resolve this issue on their end. I have sent an FTC report as well as notified them that XXXX XXXX XXXX XXXX, GA XXXX is an inaccurate address on my credit profile because I have never lived there. They have refused to listen to me or my written statement letting them know that it is a fraudulent address. I do understand that Experian has had a data breach and I have been affected. According to the 15 USC 1681 section 602a I have a right to privacy. This address does not belong on my credit report so please take it off.
Product: Vehicle loan or lease

On XXXX, I made two payments that equaled the amount of my car note. On XXXX, the bank illegally withdrew another payment. I NEVER authorized in writing for this bank to automatically withdraw monies from my account. When I got in touch with the bank, they said it could take 10-14 days to replace the monies. I told them " unacceptable '' because they overdrew my account, couldn't pay my car insurance and other bills. I need them to make me whole and pay my car note for XX/XX/2022 ... a show of good faith.
Product: Bank account or service

I received a check for a larger than normal amount and went to the local Chase bank branch to speak with a banker on the best way to deposit it. Since CD interest rates are so low, it was agreed that I would open a new savings account. I also upgraded my checking accounts based on his recommendation. 

A few days later, the check cleared and I created XXXX bill pay items to send out. A few days after that, my primary checking account went negative and the savings account was also negative. XXXX XXXX had marked the check as fraudulent. I got a new check from the company that was pre-cleared by XXXX XXXX and returned again to Chase. 

After a few phone calls, I was told only the savings account would be closed and that I could open a new one to deposit this new check. I also brought along work checks to deposit into my existing checking account. 

Chase then froze and closed all my accounts. I 've been banking with them for XXXX years, since 2010 and have never had a problem with deposits. They said they would issue a check after the accounts were closed. This leaves me with no checking account and almost 15 days of waiting time to get access to my existing funds that were in my checking accounts, not counting the deposit. 

Why did the banker not warn me that this could happen? Why was my account flagged?
Product: Money transfer, virtual currency, or money service

I have not been able to access my Coinbase account for almost a month now. They have advised me via automated message that they are conducting a manual account verification but stated ( a month ago ) it would take several days. They have not responded to any of my inquiries. 

Not a lot of money involved ( ~ {$250.00} ). 

Not sure whom I should contact about this issue. Perhaps you can point me in the right direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX account in XXXX, one purchase was made but no payments were ever made. The account was closed and charged off. It was then sold to XXXX XXXX XXXX XX/XX/XXXX. I have attempted to contact XXXX XXXX XXXX XXXX via mail and phone through all identification available on credit reports and have received no contact back by mail and when I speak to someone on the phone they either can not pull my account up or are unable to give information and direct me to their mailing address. When I contacted XXXXXXXX XXXX  they responded that they had returned the debt back to the original creditor and any complaints should be handled directly with XXXX. There is incorrect information being reported and then validated with the credit bureaus and I want the report removed as it has now reached beyond the seven year window to be reported. I have disputed multiple times and this company continues to validate that the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation into some items on my credit report that did not look accurate. At that time I requested the method of verification used to determine these account were accurate. I waited the XXXX days, but did not receive the documents as requested. I did receive a notification that some items had been verified, but was not provided the details or the documents used to verify. 

I requested a re-investigation on XX/XX/2022, and I received the same results.
Product: Credit card

On XXXX first I arrived in XXXX XXXX. 
I got taxi to take me 1/2 mail away. 
XXXX quoted me {$5.00} for ride. 
Upon getting off the taxi I hand him {$5.00} cash he explain he will not get cash and I can use credit card. 
I hand him my Credit card he run it on the card reader and hand me the card back. He took off quickly, without give me any Paper print, neither ask my signature ( on the card readers screen ( and he drop me in wrong location ) I get suspicious call Bank Of of America in US. Ask about the most recent charged they informed me I have been charged {$5400.00}. I told operator some one just scammed me 5 minutes ago, The operator told me I should dispute the charge when I get my bank statement. I am dispatching the charge with BOA twice and they dined my request base on I dont have {$5.00} proof of purchase from taxi drivers!!!?? 
I spend hours with 6 different operators in BOA, the dispute department supervisor with no result. What I can now?
Product: Student loan

After I noticed my student loan account was in Paid Ahead status, I submitted an online request to FedLoan Servicing ( PHEAA ) on XX/XX/XXXX to remove it from Paid Ahead status and explain why and when it had been put into Paid Ahead Status. All of the instructions I send with my loan payments explicitly say to not put my account into Paid Ahead status, as did my previous CFPB complaint in XX/XX/XXXX. My XX/XX/XXXX online request also asked FedLoan servicing to keep my monthly bill at the original amount it started at, instead of sending me bills with different payment amounts each month, which I hadn't asked for. Note that in my online request to them I had listed {$250.00} as the original monthly bill amount, but it looks like the original amount was actually {$260.00}. I received an acknowledgment that they had received my XX/XX/XXXX request onXX/XX/XXXX, but they never responded to my questions or fixed these problems after almost 3 months! 

In addition, FedLoan Servicing ( PHEAA ) isn't following the instructions I send with my payments. As only one example of many, my XX/XX/XXXXbill was for {$240.00} and I paid {$330.00} on XX/XX/XXXXand instructed them to apply the additional {$91.00} to the loan disbursed on XX/XX/XXXX. They did not follow these instructions and only applied {$35.00} to the principal of this loan. Who knows where the rest of this money went and why! 

I have attached the following documents : 1. XX/XX/XXXX payment instructions that includes direction not to pay my account ahead. 
2. XXXX XXXX payment instructions 3. XX/XX/XXXX payment instructions 4. XX/XX/XXXX payment instructions 5. XX/XX/XXXX online request to remove Paid Ahead status and change my payment back to original amount 6. Confirmation that they received my XX/XX/XXXX request 7.  Account Summary page from XX/XX/XXXX showing my account in Paid Ahead status 8. XX/XX/XXXX monthly bill showing current balance, interest, and payment allocation 9. XX/XX/XXXX monthly bill showing current balance, interest, and payment allocation 10. XXXX Payment distribution across loans showing only {$35.00} applied to principal of Disb. XX/XX/XXXX loan 11. Screenshot of Disb. XX/XX/XXXX loan showing only {$35.00} applied to principal from XXXX payment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

They call my cell phone from different numbers throughout the day everyday and my work phone. I had a message at work to call the guy from the actual company which tells my coworker where the call is from. Just today a girl called me from a cell phone and when I answered and realized who it was from I hung up. She called me back to back at least five times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Re : Account Number : XXXX  To Whom It May Concern, I am writing to dispute the validity of the collection account associated with the account number referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Below are the details of the disputed account : XXXX  Account Number : XXXX High Balance : {$2500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXX Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects an open collection status. As per my records, there has been no recent activity on this account, and it should not be reported as open. 

Furthermore, I dispute the accuracy of the reported balance owed. The amount stated is not consistent with my records, and I request that you provide detailed documentation supporting the validity of this debt. 

Therefore, I request that this inaccurate and derogatory information be removed from my credit report. Additionally, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information, as required by the FCRA. 

I expect a prompt response to this dispute within 30 days from the date
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied access to my consumer report after submitting notice of consumer violations by TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Experian credit bureau, laced my credit report with false entries. 
Both XXXX XXXX cards XXXX. XXXX on XX/XX/XXXX times past due. False information=delete FCRA. 
XXXX. XXXX on XX/XX/XXXX times past due. False information=delete FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. There has been a lack of clear and consistent communication throughout this process. I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to remove the fraudulent items from my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I thought I previously turned on autopay to be effective for my XX/XX/2017 payment of {$84.00}, but I did n't notice I either did n't do it correctly or confirm the change so when my due date came up, my payment was not sent. I realized it when I did not see it as a pending transaction after the fact. Since then I successfully turned on the autopay, but now I have a late fee of {$37.00} for that late payment. I called customer service today XX/XX/2017 and asked for a waiver of that fee. I was told its not possible. I previously had an issue that XXXX took responsibility for and waived the fees, but I feel like that was a separate issue a long time ago that has been resolved and should not be held against me. I have made all my payments on time since that issue was resolved and only ran into a problem when trying to setup autopay. I 'm asking for this late fee to be waived please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card, and the company told me I had to lift the security freezes on my credit information at all three bureaus. I had no problem doing this online on XX/XX/XXXX for XXXX and XXXX, but the online system of Equifax said I had to call and do this in person. So I called Equifax on XX/XX/XXXX. Their robo-system is slow and terrible, but I went through all the steps, to the point where they use information, supposedly from my credit report, to verify my identity. The system asked for information on the home mortgage I took out around XX/XX/XXXX, asking me to identify which of four companies provided that mortgage. I had never dealt with any of those companies, and did not take out a mortgage in XXXX ( I did refinance a mortgage in XXXX, but not with any of those companies ). The system then asked me for the monthly payment on that mortgage which I did not have and when I answered none of the above, it said it could not unfreeze my report and that I would have to send in a letter. I tried multiple times to get through to a live person, but there was no way to do this. I lost nearly an hour navigating the menus and responding to questions, all to no avail. I think it is not right that a company like Equifax should be able to gather and sell my information without my authorization. It is even worse when they make it impossible to efficiently freeze and unfreeze use of that information.