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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information 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 by such agency of ( 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. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX
Product: Checking or savings account

XX/XX/year> Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Direct Deposit Delay - XXXX XXXX XXXX XXXX XXXX  Payroll Dear Capital One Representative : I am writing to express my serious concern regarding the current technical issues affecting my direct deposit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a Capital One account holder who relies on timely access to my earned wages, this situation has created significant financial hardship for me. 
I understand that Capital One is experiencing a widespread service disruption that began on Wednesday, XX/XX/year>, due to technical issues with a third-party vendor. While I acknowledge your efforts to resolve this situation, the delay in accessing my paycheck has left me unable to pay my bills and meet my financial obligations. 
This disruption is particularly concerning because : I have not received my scheduled direct deposit I can not access funds that I have rightfully earned I have pending bills and financial commitments that require immediate attention This delay is causing me undue stress and potential financial penalties I request that Capital One : Process my direct deposit immediately Provide written confirmation when my funds will be available Reimburse any late fees or penalties I may incur due to this delay Implement measures to prevent similar disruptions in the future Please respond to this letter within 48 hours with a specific timeline for when I can expect access to my funds. If I do not receive a satisfactory response, I will be forced to file formal complaints with the Consumer Financial Protection Bureau and the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I can be reached at XXXX or via email at XXXX to discuss this matter further. 
Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Debt collection

On my Experian credit report, I noticed a derogatory mark. I actually have two but this is the first one. 
On my Experian report It shows a debt for {$1400.00} Listed under medical payment data and under that is says NotsatisfyingF20-Trade. Opened XXXX XX/XX/XXXX closed XX/XX/XXXX This have been reporting on my credit report monthly. It's even got a fake payment history as if I was paying. I do not know what this is. 

On my XXXX credit report, the same debt {$1400.00} under XXXX XXXX XXXX. 
This one has an account number XXXX  date opened XXXX XXXX XXXX This is all just false information. 

I need these things removed from my credit report immediately and permanently. 
This is a fraudulent account. 

I have not been given a chance to dispute account according to12-CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection Agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5 2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from Equifax, XXXX and XXXX. 

XXXX  has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.
Product: Credit card

On XX/XX/2023 i called Citibank to inquire why I continue to see different amounts on my oline account and back account. the company has been taking money from my bank account then saying I still owe money. XXXX XX/XX/3023, my balance should have said XXXX or -at least - {$4200.00} but the company keeps doubling charges at then says the system has a glinch. I never received correspondence regarding the glinch. they have been charring be two interest rates since XXXX. They charging interest on fees the should be XXXX. on the XXXXXX/XX/2023 statement there should show a negative amount because I had a negative XXXX balance, a credit of XXXX, and a payment of XXXX. Citibank has produce several statement with conflicting information
Product: Debt collection

Comenity Bank has called me over and over again for an amount I owe them for a XXXX account. They call from different phone numbers each time and a recording plays or a real person speaks. I can not tell the difference between the recording and a real person. One recording is what sounds like a male and makes threatening statements ... '' ..you must act now or else ... '' and " be prepared to be contacted in person ''. 
Comenity Bank calls at all hours of the day and night. They have called before XXXX XXXX and called past XXXX XXXX. 
I have answered and told them to stop calling me, they refuse. I have asked for a current statement minus finance charges and late feed so I could see the exact amount I charged but they refuse to deal with me. They just call and call. 
2 phone numbers they have used are as follows : 1.  XXXX 2. XXXX 3. Unknown Caller ( numerous times a day ) Please help me!
Product: Debt collection

I was contacted by XXXX XXXX calling in reference to the preliminary hearing that was set up with a no contract no show and need to hear from me immediately at XXXX. When I called, I was transferred to XXXX XXXX representing Sterling and Associates stating that I had taken out a payday loan that was not paid. If I did not pay restitution I would be charged with XXXX XXXX XXXX. I was told I had until XXXX to pay them {$1300.00}. I found out later this was a scam. I called the clerk of courts and was told I did not have any court cases pending nor any charges against me. Now I have to wait for the money to post before I can file a fraud complaint with my bank. This is awful to do to people who work very hard for their money! I will be reporting it to the police as well. This is Grand Theft.
Product: Debt collection

Transfered my internet service to XXXX XXXX. XXXX offered a 30 day money back guarantee for the service. XXXX was unable to provide the contracted service and I cancelled the contract within the stipulated 30 day period. XXXX refused to honor the warranty. XXXX engaged Credit Protection Associates ( XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ) to collect the fees for the service. Credit Protection Associates started contacting me to collect the debt. I advised Credit Protection Associates, in writing, that XXXX was in error, no amount was due, the VA utility authority had ordered XXXX to honor their published warranty, and that I would take legal action if Credit Protection Associated harmed my credit rating. Credit Protection Associates filed a delinquent notice on my credit rating with the credit bureaus. I was subsequently denied a loan by XXXX XXXX bank as a result of the Credit Protection posting to my credit report. 

I have reached out, in writing, to both XXXX and Credit Protection Associates to express my distress with their handling of the matter and that I would file a FCRA complaint if they did not offer any remedies. Both XXXX and Credit Protection Associates elected to ignore my written correspondence. 

I am ready to proceed with a formal complaint that both XXXX and Credit Protection Associated are in violation of FCRA provisions.
Product: Debt collection

I have contacted the company by phone, takes to the supervisor and asked them to stop calling me, and told her the company is constantly calling me and I consider it harassment.
Product: Debt collection

I had reviewed my credit reports and saw the collection agency reporting a debt that I am unware of. I sent a letter to the Collection ageny ( The Bureaus ) requesting them to validate the debt as the debt does not belong to me. The letter was dated XX/XX/year> and sent out from the XXXX XXXX  on XX/XX/year> Return Receipt Mail XXXX XXXX XXXX XXXX XXXX. I had also requested additional information of who the original creditor may be as I do not recognize anything pertaining to the collection and their authority to collect such a debt. I received the signature card back indicating they were in receipt of my request on XX/XX/year> however as of today, XX/XX/year>, they have not provided any response to my requests in the letter. Thank you for your assistance regarding this matter as the negative reporting of a debt not belonging to me has impacted me tremendously.
Product: Checking or savings account

I have banked with Chase for over 40 years. During that period I regularly deposited all my income from work and any sources into my Chase checking. At times, these were significant sums. I spent my entire career in the nonprofit arts sector where salaries were not great, but I was fortunate. In 2008, I had close to {$100000.00} in a Chase Investment Account. When the XXXX crash occurred that sum was reduced to {$38000.00} and I was required by Chase to close the account because my balance was below {$50000.00}. I had just left government employment and was searching for a job. Within days the arts sector in XXXX, my home, eliminated over XXXX jobs across all institutions, large and small. I was never able to accumulate savings again. 

Now I am XXXX and on a modest fixed income. For the past 8-9 months I have found it difficult to stay afloat and have been overdrawing my account to pay scheduled bills. Chase regularly charges me {$34.00} for each overage, even though many of these are for very small sums- for example, {$5.00}, {$7.00}. These overage charges both cause additional overages and make it harder and harder to ever catch up. I simply cant bear up under this strain anymore. It has become unbearable. Only greed can cause this - and the failure of the government to regular vulture capitalism. I need protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that " hard inquiries '' on my 3 credit reports from Transunion, XXXX  and XXXX  would be removed this month, XX/XX/2021 but none of the credit reporting agencies have updated me or provided a report to me displaying this removal WHICH IS HARMING MY CREDIT SCORE!
Product: Debt collection

MBA Law placed a medical collection on all three credit bureaus without notification that any debt is owed. It is also illegal, now, to list medical debt on you credit report. 

Did not send an invoice, has not proven the debt belongs to me. 

MBA LAW XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX
Product: Checking or savings account

Wells Fargo allow a {$6100.00} charge to go through my business account, even though I had gone through the process to let them know this was not my charge. That same day, at least XXXX other charges were attempted on my business debit card, and those did not go through. They claim that because I did not lose my phone, or have my card out of my possession that it was a legitimate claim. The charge was to a XXXX XXXX  in the state of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided Wells Fargo with all my supporting documents that I followed procedure to file a fraud claim and no one will call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I XXXX XXXX XXXX natural person, ( hereinafter referred to as consumer ) is sending notice to Transunion XXXX & XXXX XXXX its United States affiliates ( collectively, Transunion XXXX XXXX XXXX we, us XXXX our ) I consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Transunion or XXXX XXXX services or websites. 
I recently reviewed a copy of my consumer disclosure and noticed Transunion or XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by furnishing information that is to be excluded from a consumer report. 
A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and person making the report. 
Transunion or XXXX XXXX is not authorized to collect, use, and share information about financial accounts such as outstanding balances, late payments, loan history and any other highly restricted financial and personal information under the Gramm-Leach Bliley Act ( GLBA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  XXXX Account number : XXXX As I am looking at my credit report, to my surprise XXXX and Experian are reporting the above account incorrectly. XXXX is reporting date open XX/XX/XXXX and Experian is reporting XX/XX/XXXX as a date open. XXXX is reporting a close date XX/XX/XXXX and Experian is not reporting a close date. Experian is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while XXXX is not showing a payment history. According to the FCRA, I have the right to an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Payday loan

In XXXX XXXX I took out a Payday loan with XXXX XXXX for {$400.00}. XXXX advised by the representative I 'd need to repay a finance charge of {$140.00} + the original loan amount, for a total of {$540.00}. They have not stopped charging my account since XX/XX/XXXX. When I contacted them in XX/XX/XXXX, they told me that I had to pay an interest payment before I could pay the principal. I threatened to contact an attorney, and they stopped, but started again as Big Picture Loans. They have drafted by account twice monthly. Upon further inspection, they have fraudulently initiated XXXX new loans in XX/XX/XXXX which I did not initiate ( See Attached ). Please help.
Product: Vehicle loan or lease

I received a loan from West Lake financial bank for a vehicle the vehicle is broken down the bank is not working with me in regards of the loan nor the dealership of where I purchased the vehicle. This is discrimination as well as pain and suffering.
Product: Credit card

On XXXX/XXXX/15 I mistakenly sent a check to my BOA credit card for $ XXXX.I had intended to send this check to another credit card company, having paid my account in full on the card in question on XXXX/XXXX/15. Realizing my error on XXXX/XXXX/15 I logged in online, confirming a credit balance of {$4400.00} on my account. I utilized their interaccount transfer function on the website to transfer the credit to my BOA checking account. On XXXX/XXXX/15 BOA charged me {$220.00} as a " cash advance " fee and subsequently has charged me {$5.00} in interest on XXXX/XXXX/15. I have discussed this with them, through XXXX levels of supervisors. It is acknowledged that no charges or interest should have been charged, but they insist that I must send them a check for {$4400.00} ( which is not owed ) before they can make a correction and later return that same amount. I refused to send such monies for what is an acknowledged bookkeeping error on their part. There is no reference in the interaccount transfer section of the website that any fees would be charged for transfer of a credit.I have been told that I have no further remedies available through their customer service department.
Product: Credit reporting or other personal consumer reports

This person never inquired if anything furnished on my report is accurate. They just took it upon their self to damage my reputation. 

As far as Im concerned all of the inquiries, hard & soft does not belong. 

They say that they reach out to the company to verify or validate but they never contact me to see if its the truth. 
Thats a violation under the FDCPA Everything furnished on my report as of XX/XX/ is inaccurate, false & miss leading ( XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX )
Product: Checking or savings account

On XX/XX/XXXX I deposited my paycheck via an ATM. The ATM took my check but failed to offer a receipt, leaving me in doubt as to whether the amount was credited to my account. We had severe winter weather for the next 4 days, and most businesses were closed. On Wed XX/XX/XXXX I called the bank 's customer service line to ask why the deposit had not been credited. The agent confirmed that the ATM " did n't register '' my transaction. He started a " disputes process '' that he said would lead to my deposit being credited. I was surprised to learn that this would not involve any non-routine action by the bank. Instead I must wait until their next routine reconciliation of ATM deposits, which happens every 10 days. He was unable to tell me when the reconciliation would occur. I have waited and checked my account balance each day, hoping my deposit will be credited before bills come due. My wife and I called again today, and after many dead ends on voicemail, spoke to an agent in an undisclosed remote location who had nothing new to report. I finally received a call back from the local branch, in response to an earlier call. ( The bank 's customer service line does not allow contacting the local branch, and XXXX local numbers are not published. I would not have known how to contact them if my wife had not saved a business card. ) I learned that the local branch has means to retrieve the check and " manually deposit '' it without waiting for the routine reconciliation process. The branch employee acted promptly to find the check and deposit it. I still have not seen the deposit credited but am hopeful that it will happen within 12 hours. I was dismayed to learn that the routine ATM check may have happened 3 days ago but there was apparently no action taken about my dispute.
Product: Credit card

I was informed that Discover needs to identified my identity and threatened with closing my account. 

They froze my credit card account while continuing making my payments with my credit card. They closed my account at {$700.00} with a balance of {$3000.00}. 

This affects my ability to rent a car or hold a hotel since this is my only credit card. 

I have checking and savings with direct deposit and have checks I deposited with my identity on those checks.
Product: Debt collection

i was called about a {$60.00} credit card dept and was told i need to pay {$1000.00} i told them i dont owe your company anything my dept is with XXXX XXXX XXXX she then gave me addtiuted and would not let me talk and was hurassing me to pay the debt now or futher action would be required and she kept asking for my personal information i told her no she got even more threatning with additude