23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Capital One Bank whose collection agency is XXXX XXXX XXXX XXXX is reporting a collection amount of {$2000.00}. This collection agency has updated this account with no closed date, which reflects the account as current. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried talking to the company and explained to them that this accounts are freaud. They have been removed from other credit bureaus and Equifax for some reason reporting same act 3 times. I provided all paperwork and no one is doing anything.
Product: Payday loan, title loan, or personal loan

Company Speedy Cash onXX/XX/XXXX amount of {$310.00} Speedy Cash on XX/XX/XXXX amount {$260.00} Speedy Cash on XX/XX/XXXX amount {$310.00} Speedy Cash on XX/XX/XXXX amount {$290.00} Speedy Cash on XX/XX/XXXX amount {$300.00} Speedy Cash on XX/XX/XXXX amount {$310.00} I have disputed these loans several times through the credit disputes and this creditor keeps me in debt of these loans that I have not taken out.. I took out a loan in XX/XX/XXXX that was paid off and I also took out a loan XX/XX/XXXX that was unpaid because I have not straightened out these other fraudulent loans on my credit.. I have asked this company several times to remove or show proof that I applied for these loans or even received any money from these loans but they would not show proof or any documents.. I have been trying for years to resolve this issue .. it is tearing my life and credit apart.. I keep disputing but no avail. the credit bureaus have incompetently filed a dispute but they have not resolved the matter or gotten any proof from the company. Please have this company remove these fraudulent loans from my credit or show any documents showing this was me.. I filed an identity theft on my report also but that did not resolve the issue either
Product: Credit reporting or other personal consumer reports

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER, given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. 
After checking all three of my consumers reports with ( XXXX, XXXX and Equifax ) I have no knowledge of the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately Addresses, Collections, Inquires, Names, Accounts XXXX XXXX XXXX  These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response
Product: Debt collection

This company did a soft inquired on XX/XX/. I already on an active payment arrangement. Why is your company keep running my credit for? 

I make my payments. Your company is illegal running credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I did a reinvestigation on TransUnion consumer reporting agency for turning to XXXX XXXXXXXX XXXX I have been fighting over here with this account that is recorded in actively and all they do is just update the same incorrect information please be advised that I would like this account to be removed off of my consumer file immediately due to the fact that they keep reporting and accurate information to the credit bureaus under the fcra 15 USC 1681 1 a this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX  reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX  and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.
Product: Credit card

I have outstanding debt with Affirm and part of it was charged off and sent /sold to another company called XXXX XXXX collections. XXXX XXXX is unable or unlicensed to do business in Nevada they wouldn't be specific and affirm wont recall the debt to let me pay it so I am stuck with no estimated time frame for resolution of their business practice issues. How can I pay this or get it removed from my credit?
Product: Checking or savings account

My husband is XXXX XXXX military that currently stationed in XXXX. I have a chase business account since XX/XX/XXXXfor E-commerce ( XXXX or alike ) and based in California. My husband then added a temp address in XXXX so we can receive letter mails but accidentally changed the permanent address in XX/XX/XXXX, He then went on XXXX for three month and I received letter last week from Chase saying that my account will be closed. I called back and told my banker the address was changed by mistake and changed the address back to my permanent address back in California.
Product: Debt collection

I went to Jared Jewlers in XXXX Florida with my girlfriend to purchase a engagement ring. We choose a ring that she was extremely excited about. I traded in some diamonds which they gave me a {$2500.00} credit for and asked the Jewler XXXX to remove XXXX halo of the small diamonds and replace them with a halo of sapphires, he advised I would receive a {$200.00} credit for those diamonds. I put down {$3000.00} and was left with a balance of {$10000.00}, when I was reviewing the paperwork it said my payment would be interest free for 19 months at {$340.00} which was in my budget. I picked up the ring a week later and proposed to my now fianc. Approximately a month later I received a monthly bill for {$580.00}. I was shocked and thought there must have been an error. I called the credit card company and they explained that to get some sort of points credit XXXX had set up my credit card account based on {$6500.00} and later after I left the store called the credit card company back and added the additional {$4000.00} which increased my payment from {$340.00} to {$580.00}. I explained that I was told that my payment was going to be {$340.00} and not {$580.00}. I later went to the store and spoke to XXXX in person with my fianc. She was there when he told me that the payment was going to be {$340.00} monthly. XXXX demeanor was quite different, I got the sense that he had done this many times to many customers. I asked him if he could extend the term to make the payment affordable with in my budget and what he had told me it was going to be and what the paperwork said. He told me that there was nothing he could do to change the payment terms. I left and started researching Jared 's on the Internet, I discovered that many others customers of Jareds had similar experiences. It is not only illegal but also unethical to tell people there payment is one amount when it is actually another amount, especially when it is in writing. For an associate to quote one payment amount, put it in writing, and state that is the payment amount but later after the customer leaves the store to call the credit card company and add amounts to their credit card to later increase the payment. This is pure extortion, and against the law. I am hopeful this matter will be resolved amicably. In XX/XX/XXXX, I paid my first payment of {$400.00}, {$56.00} more than the amount that I had agreed to both verbally and in writing. I have received numerous collection calls since I made that payment informing me that I am delinquent and threatened that my credit score would be negatively impacted due to my delinquency. I look forward to hearing back in the near future how we can resolve this issue. Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Crypto.com must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. 
The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper, unsolicited, unwarranted, and incorrect basis to close my 28 year account with Conoco Phillips during which I never, ever was late or missed a payment ... XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written letter to the credit bureaus to remove the unverified collection accounts placed on my consumer profile. Credit bureaus refused to remove the accounts. 

I have not given the bureaus any written consent to post the collections on my credit report. 

I sent the collection agency several letters to verify the alleged account. I have only receive a billing statement not the contract or the contract stating how much they have paid for the debt. 

According to federal law 1

5 6802 no financial institution can not sell a consumers information to a third party agency.

According to 15 USC 1681 b- permissible purpose- Consumer have not provided any written consent for any of the collection to report to my credit report.

According 15 USC 1692 b ( 2 ) - stating a consumer owes a debt is a violation.
Product: Credit reporting or other personal consumer reports

XXXX was charging me for a phone that was stolen and was also charging me monthly service for a phone I didnt not have. Jefferson Capital put derogatory on my credit report for in correct balance thats XXXX gave them. {$510.00}. Which is totally in correct. I switched my cell service back last XXXX and XXXX kept sending me a bill for monthly service on my device the was no long on the network. And for a phone thats was paid off times over. I explained this to XXXX XXXX about last year 2023. And I was told by a representative basically this XXXX was the balance that they gave them and this is what they expected me to pay. I told the rep kindly. Im not paying that cause thats not what I owe them. I have screenshots of every month they were charging me and I had removed my service from the in the beginning off last year. I told the rep I owe the less then {$200.00} dollars. I will pay that but Im not paying them XXXX cause they were charging me for a service I did not have. She goes on to tell me about this device that I had which XXXX knew the device was stolen and not in my possession they said call XXXX XXXX would not pay for the phone because they wanted me to get a new phone. I told them I didnt want a new phone. They need to take care of the issue with XXXX about the phone. Meaning they wanted to get another phone which I didnt so they told me they would not accept my claim. Which also is why XXXX and Jefferson Capital is trying to say I owe {$510.00}. Again Im not paying this especially when they charge me {$300.00} of monthly service for a phone I didnt have in years.
Product: Credit reporting or other personal consumer reports

The credit bureaus TransUnion, and Experian are reporting bankruptcies on my credit report attributing the information to the US Bankruptcy Court. The US Bankruptcy Court verified that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. 

XXXX and Experian are falsely reporting this information on my credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records.

The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE. What would be a fair resolution to this issue? 
I request that you immediately remove this invalid information from my credit report. It is severely damaging my reputation and hindering my ability to secure employment to support my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EQUIFAX ARE REFUSING TO REMOVE INFORMATION THAT IS NOT MINE THIS IS A PROBLEM AS I HAVE NEVER HAD STUDENT LOANS OR THESE OTHER ACCOUNTS LISTED CAUSE I HAD A SCHOLARSHIP IN SCHOOL THEN DRAFTED TO THE XXXX THESE ACCOUNTS NEED TO BE REMOVE ASAP
Product: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to remove hard inquiries on my Experian report with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following unauthorized inquiries shows up on my credit report which I certainly did not made any applications for credit/mortgage.This had hurt my chances of obtaining new credit. I demand that you remove following inquiries immediately. 

XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX I demand that you remove following inquiries immediately.
Product: Money transfer, virtual currency, or money service

Citibank processed incorrectly an international wire transfer of $ XXXX. I immediately ordered a cancellation. Due to an internal miscommunication error at Citibank - expressly recognized by a Citibank employee - the operation was not cancelled. Instead of reimbursing me immediately for their mistake, Citibank keeps saying they are trying to recall the unauthorized transfer but every time I call, they estimate longer and longer for me to receive my money back. The estimate to recall the money has gone from a firm 3 days to perhaps 90 days. Meanwhile I'm out $ XXXX and the currency has fluctuated significantly to my loss. Citibank now even fails to return my calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX These are fraudulent inquiries I did not give these companies permission to run my credit it's fraud
Product: Money transfer, virtual currency, or money service

3 XXXX  transactions were made on XXXX to three different individuals ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ) each for {$1000.00}. Two additional XXXX transactions were " cancelled '' on XXXX by Wells Fargo ( one to XXXX XXXX for {$1000.00} and one to XXXX XXXX for {$500.00} ) Then on XXXX Wells Fargo fraud detection department left me a voicemail. Then also on XXXX charged two separate fees related to these transactions : one for {$4700.00} for " deposited item retn unpaid fee '' and one for {$12.00} for " cashed/deposited item retn unpaid fee '' A total of {$7700.00} was taken from my account due to the unauthorized/fraudulent transactions and related fees. I called to open a claim to recover the funds taken and received a letter from Online Fraud Claims dated XX/XX/XXXX saying they researched and found the transactions were authorized. I called to escalate the claim and was told to gather evidence it was unauthorized to fax in. I wrote a cover letter establishing I don't know the receivers and do not use XXXX  services also that their fraud department was triggered by the activity supporting the fact that these were not authorized. I faxed the letter along with info about police report, ic3 claim and FTC report on XXXX.

After not getting any reply I called to follow up on XX/XX/XXXX and WF customer service said I had no claims attached to my accounts and would open a new claim that I would get a mailed letter about in 7-10 business days. 

I never used XXXX, I don't know the individuals, I didn't give out my password, I didn't grant access to or authorize anyone to use my account. I have completed a police report, ic3 complaint, and contacted FTC to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer is Great Lakes Borrower Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions