23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just received a response from Ad Astra and they claim that the account i have placed under fraud alert is mine. I have had no luck trying to dispute this item for many months now and I have explained to all parties involved, even the XXXX credit reporting bureaus that I have had fraudulent accounts opened under my name, starting with XXXX XXXX. Somehow this company is abusively calling me regarding this debt that has nothing to do with me, and I even told them that all of the machine messages they left on my cell phone were against the law in my state of California. They refused to place this account in dispute when I challenged its validity and they claimed to have sent me paperwork which is also nonexistent. I have never received anything from them. I have suffered so much at the hands of this company. They choose to pretend I do not exist until I bring my case here to your portal. They have absolutely no right to report to my credit files and try to make me pay for something that is not mine and this company whom they work for is apparently accepting applications from fishy people. What is more hurtful is that they did n't even wait XXXX day to attack my concerns and my complaint. they just responded like I do not matter and as if my case has not been in dispute since XX/XX/XXXX. They are the ones who are the problem. How am I supposed to defend myself? They send me a ridiculous link on fraud protection when I have told them many times that there ALEADY is a fraud alert on my credit reports, so how are they allowed to keep this up? How was their client allowed to pull my credit? i do not understand this. I have a XXXX different things I will say until this company is investigated for violations against consumer rights. I will not stop fighting this company an their client, no way.
Product: Checking or savings account

I purchased a product from XXXX and never received it. I have tried countless times to contact XXXX, when that failed I reached out to my bank. They too gave me the run around, making all kinds of excuses for why they havent put my money back in my account. 

Please note my package was out for delivery for three to four days. This here should have told my bank something was wrong. Also the package was sent back to them on XX/XX/XXXX, yet my bank acts like they cant figure it out. Your help Is deeply appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX report XXXX and XX/XX/XXXX report XXXX I requested for this account to be verified and that I be provided with the process and documentation of the verification and deleted. It was never verified and I never recieved any documentation from experian XXXX XXXX SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$280.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that XXXX remove XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting

I have disputed an account for several months and requested verification documents from both the creditor and the credit agency. I have sent letters and placed several phone calls. Neither has provided any documents signed or authorized by me as verification for this account. Equifax has informed me that my file is mixed but still Equifax continues to report this erroneous account on my file. I want the account deleted and suppressed immediately since it has not been verified under the guidelines of the FCRA
Product: Credit card

Dear sirs, I am writing to bring your attention regarding an erroneously automatic debit card payment done on my XXXX XXXX XXXX  account for about XXXX years. 

On XXXX XXXX, XXXX, I advised XXXX some debits that I did not recognize after an investigation, they just recognized some charges except {$43000.00}. 

After going several times and writing to both, Bank of America and XXXX, they both act like separate entities and did not provide the information that I know I am entitled to. 

After several inquiries in Bank of America, I was told that the debits on my account were done by a credit card in the name of XXXX XXXX XXXX. Kindly notice that my wife 's name is XXXX XXXX XXXX XXXXXXXX. Those charges were done erroneously for about XXXX years, and that person did not notice from where the credit card had been paid from and even more when the monthly charges were at least {$8000.00} monthly. 

Since these recurring payments were authorized at the credit card level, the issuer of the credit card is Bank of America, so they should have a form where this person, XXXX XXXX XXXX, provided my account information to the bank for the debit or it was a big error of Bank of America that they linked the incorrect account for the recurring payments. However, at this point, they do not want to admit it or investigate how it happened since I do not have access to other clients ' credit card numbers and I hope other clients do not have access to my accounts for privacy reasons which it does not look like that was the case. 

I need that they recognize the error and I get reimbursed for the {$43000.00} or I will contact XXXX XXXX XXXX to demand payment through a lawyer. 

Hoping that you can help me with this important issue, Best regards,
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a difficult time getting XXXX, XXXX, and Equifax to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXXXXXX XXXX  XXXX was late 2 times and eventually charged off. This is not true. During 2020, I was on deferment due to covid so there should be no late payments according to the FCRA. I am asking that the credit reporting agencies remove the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and i notice there is unauthorized credit inquiries made by the companies listed I never authorized and for no legitimate purposes. This constitutes a violation of my rights under the fair credit reporting act 604 as well as violation of my rights to privacy.
Product: Mortgage

I removed my Escrow from my mortgage the first week of XXXX. I received a letter stating they received my request on XX/XX/XXXX and it would take 5-7 business days, plus mailing time to refund my balance in the form of a check. 

XX/XX/XXXX I called to check the status of my check and was told that it had just been approved to " cut the check '' and if I had not received it by XX/XX/XXXX to call back. 

I called back on XX/XX/XXXX and told them I had not received my check. The female looked into it and found out that the entire check, without my permission, had been applied to my mortgage balance ( XXXX 's payment and the remaining XXXX was placed on the balance of the loan ). I was then transferred to XXXX XXXX, ( Arizona ) in the escalations department. XXXX told me that he did not know why it was applied to my loan and he would wire me the funds. He stated it would take 24 hours to approve and 2-3 days for the wire. He stated he would call me on Tuesday XXXX XX/XX/XXXX ) to give me an update. i did not hear from XXXX at all. 

On Wednesday XXXX XX/XX/XXXX ) I emailed XXXX and never received a response Thursday XXXX XX/XX/XXXX ) I called XXXX and left a message, he did not call back so I called back and pressed XXXX, according to his answering message, and spoke to a female in Texas. She stated she did not know what the hold up was and that " account services and escalations had not been friends for about 3 weeks '' and that they are not doing their job. She said she would look into it and also send XXXX and email. 

I called XXXX back on Friday XXXX XX/XX/XXXX ) and left another message. This time he called back and said that " it had been denied '' I asked what was denied, the wire transfer or giving me my money back? he said he didn't know but would look into it and he would email the manager of account services. I asked if there was a number that I could call them at and he said no there wasn't. He said he would get back to me Friday night with an update and that the wire might even be in my account Saturday XXXX XX/XX/XXXX ) Again XXXX never called me back. It has now been over 5 weeks since I removed my escrow and I have still not received MY MONEY and it has become unbelievably frustrating. I am losing interest, all though a small amount, that I would have made by investing in the stock market drop on XX/XX/XXXX. I feel as though I am being led on a wild goose chase while they hold on to my money.
Product: Credit card or prepaid card

My phone number was hijacked on XXXX XX/XX/2022. The thief created new accounts and asked for my existing credit card to be expedited to an address ( not mine ) in XXXX XXXX. I called Chase on XX/XX/2022 and reported all the new accounts that were created in my name, and I reported the fake address the thief was using. I reported that he had gained control of my account by getting one-time codes. I found out that Chase had not locked down my account but had allowed the thief to keep the new accounts active after he called back on XXXX XX/XX/2022. On XXXX XX/XX/2022, I went to a local Chase bank, and I again reported all the fraudulent activity. The Chase banker put me on the phone with their fraud department. I asked that all accounts including my only Chase account, a Chase XXXX XXXX XXXX, be shut down. Chase did NOT shut down my XXXX Rewards Account. I have called Chase back many times during XXXX and XXXX asking Chase to shut down my Chase XXXX Rewards Account. As far as I know they have not. When I sign into my XXXX account a XXXX ( that's right XXXX!!!!! ) account number with a new set of last XXXX digits XXXX is listed. I want NOTHING to do with Chase. They are incompetent. They refuse to shout down my XXXX XXXX XXXX. This is INSANE!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6200.00} // Charge Off US BANK XXXX Date opened XXXX XXXX, XXXX Balance - // Late Close
Product: Bank account or service

My problem is with Citibank. NA of XXXX XXXX, ND and their Citi Payment Safeguard Program. For many years my wife and I had credit cards with that bank and paid XXXX cents per month per XXXX XXXX dollars of charges to cover us in case of XXXX, death etc..My wife died XXXX XXXX, 2015 ( XXXX ) and I sent the bank a death certificate and expected to have the account paid off by that 'Protection ' plan that we had paid on for many years. Several weeks later I received a letter saying that the " XXXX XXXX Winner '' in the family is the only XXXX covered by the protection plan ... If that is the case then why did my wife have to pay for that protection when she XXXX??? If the protection plan covered only me then only my charges on that card should have been charged an protection insurance premium ... .That would seem the proper way to handle it ... Please advise. Thank you ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maine XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of identity theft. It has come to my attention that account has been opened in my name without my knowledge, consent, or authorization. This account was fraudulently established by an individual, entity, company, or corporation, exploiting my credit for their personal gain. I had no involvement in the creation of this account, nor did I provide any authorization for their use. As a result, my credit report has been negatively impacted due to fraudulent activity that I was not a party to. I respectfully request that this account be promptly removed or blocked from my credit report. I also request that your institution take the necessary steps to prevent any further damage to my credit file and protect my identity moving forward. It is critical that my credit report reflects my true credit history and not this fraudulent account, which have the potential to severely damage my financial standing. 

To support my claim, I have enclosed the following documentation : A copy of my FTC Identity Theft Report A copy of my government-issued ID Proof of my current address XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
WF BANK NA Account Number : XXXX Date of open : XX/XX/2020 Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XX/XX/XXXX - XXXX - {$4300.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

Hello, I am contacting you in hopes to successfully dispute an account since I have already reached out to the collection agency on XX/XX/. I mailed them a letter requesting validation of the collection. They responded by mailing a letter telling me that the collection was verified without any documents with my signature or any other further evidence. However, I need to have this removed because it violates the Fair Debt Collection Practices Act by using misleading representations and unfair and deceptive practices in the attempted collection of a debt.
Product: Checking or savings account

XXXX had a business account with PNC since XXXX XXXX we filed a complaint against this company for discrimination 3 months ago and to this date they have yet to respond in regards to our complaint. That complaint included another discrimination matter in which upon even opening an account with PNC we werent even given knowledge consideration for a business line of credit which we know we shouldve qualified for..We know for certain that our business has been racially profile. However the latest complaint draws today with our inability to gain access to our online business banking account which primarily is attached to our merchant services account and recurring clients billing accounts as well as our vendors etc..We can not access our online account to monitor activities or to verify payments to our clients or vendors etc. We called today to regain that access but the customer service rep. After verifying our credentials name address phone number and tax id number then proceeded to try and unlock our account. A code was sent to our phone for verification but we didnt receive it at the time it was sent out from the website. we advised the rep that no code was sent.. After numerous attempts the rep couldnt get us back into our account so we requested a supervisor. The rep told us we couldnt speak to a supervisor and we thought what is going on? All we are trying to do is regain access to our account.. Words between myself in regards to our frustration with this representatives inability to assist us and being told we couldnt speak to a supervisor for more than XXXX hours was not going to suffice for us. We desperately wanted assistance but this XXXX would not allow us that service. We hung up thinking we would just call back and speak to a supervisor thru a different rep in which we were able to but not before learning that the previous rep purposely submitted what seems to be an irreversible password or code that takes XXXX business days to receive in the mail further blinding us to any access on our business account! This was done maliciously and we dont know where else to turn but as it stands we can not see anything in our account to verify any of our clients payments and or activity as it pertains to our account.. We also learned that this is not a computer generated action taken but by the hands of a representative who only has the authority to make such a devious act. We are a small based business living in a minority community and these actions are very hurtful and beyonddddd repair. This is not our first incident with PNC and as stated above we are still waiting 3 months later for them to respond to our first matter in which we know and they know the grounds for our assertion are warranted at the least disciplinary actions as we are a legal business registered with the state of NJ. PLEASE HELP XXXX!! PNC DISCRIMINATES AGAINST SMALL XXXX OWNED BUSINESSES IN MINORITY SPACES BECAUSE THEY KNOW WE DONT HAVE THE MONEY TO FIGHT THEM FOR PRACTICES LIKE THESE..
Product: Student loan

My last year of XXXX. I became so XXXX, that I was only able to see, XXXX a week, which paid my rent, but in no way allowed me to make a dent in my massive student loans. I applied for a medical forgiveness, but was turned down. Interest and penalties have raised my debt from about XXXX out of school, to almost $ XXXX. I was contacted by them and offered a payment plan of {$50.00} a month, which was do-able. In the XXXX month, they sold my debt to another bank I guess, and they demanded payment in full. Barring my winning the lottery, I do n't see anyway I will be able to pay this off. 
For the last 18 years, I have worked at an XXXX here in Hawaii, helping XXXX. I have taught XXXX, and will continue to try and help as long as I still have breath. But this huge debt is smothering me. I get debt collector calls all the time, at all hours, sometimes at XXXX. I know that is illegal, but have no idea how to pursue that. Is there any relief, or forgiveness channels available to me? Any new laws in the pipeline that might include bankruptcy?