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

Please remove these fraudulent inquiries immediately these are results of identity theft. 
I did not obtain any of these good or services from : XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXXXXXX XX/XX/2022, XXXX XXXX XX/XX/2022, and XXXX XXXX XX/XX/2022. I did not give consent for any of these inquiries reporting on my Transuion!!!!
Product: Debt collection

I have been being harassed at work at home on my cell and now they are calling my daughter and harassing her. I have no idea who the debt is for or what it is for when I try calling them I get put on hold and know one ever comes back to the phone. Now I am being harassed by some carrier service they say from XXXX county in Minnesota say they have legal documents for me that I must sign for and show ID for telling me they would be at my home today between XXXX and XXXX so I left work early today so that I could be here they never showed then revised a message that they are now going to serve me at my place of employment and embarrass me there because I was not home which I was and I have witness that I was here. Their constant harassment and threats are interfering with my life and my work. 
People like this need to be put out of business. 

The debt collector is Capitol Management Service. 

Any thing you can do to help would be greatly appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

This is not my debt. If I'm not mistaking this all with cell phones were put in my name. My ex roommate dated someone that worked at XXXX XXXX. They were taking loans etc.. without people knowing. My credit profile has identify theft attached. When they contacted me I explained it to them in detail. I have nor owe anything unless is done by fraud. I am currently in the middle of closing on a home and this collection will jeopardize my home. I plan on suing all parties involved including credit reporting agencies XXXX, XXXX just to name a few. XXXX  is the only credit bureau and that has not removed another past creditor in which collection was placed in error. I asked this to be removed from ALL credit bureaus.
Product: Credit reporting

I submitted dispute claims which included several items of dispute, via certified mail to both Equifax and XXXX, on XXXX XXXX, XXXX. Equifax received the dispute claim on XXXX XXXX, XXXX per the XXXX XXXX XXXX certified mail receipt and XXXX received the disputes on XXXX XXXX, XXXX. Per the Fair Credit Reporting Act of XXXX, disputes should be answered within 30 days. As of this date, I have not received documentation indicating an investigation of any kind from neither Equifax nor XXXX. I actually spoke with XXXX the Resolution Supervisor, ID XXXX. XXXX at Equifax. He claimed that there was nothing that he could do, but was willing to provide record of an investigation, which would have been after the 30 days. I did not speak to XXXX, but the same ruling applies, per the Fair Credit Reporting Act. 
As a result of non-compliance by XXXX credit bureaus, I am requesting that you enforce my disputed items to be removed by the bureaus immediately.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name JEFFERSON CAPITAL SYSTEMS Account Number XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX. Company opened with XXXXXXXX XXXX  ( XXXX ) XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX was designated under the Executive Order XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX, XXXX, XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've spent 3-4 hours trying to get XXXX to  provide my Transunion and XXXX credit reports so that I can negotiate a mortgage with a lender on a home deal that will expire soon. I received the XXXX report online just a few minutes prior to requesting my Transunion and XXXX, so why suddenly have I lost access to those reports? VERY FRUSTRATING! 

Unfortunately, they refuse to provide it to me online, requiring me to order by phone. So, instead of getting my credit report immediately, like everyone else, so that I can have a chat with a lender next week they 're now telling me that it may take up to 15 days just to process my report before they will even send it. The house I 'm interested in wo n't wait that long. 

I simply want to register how unfair it is that these credit reporting companies can hold our credit hostage despite no fault on the part of us consumers. Fact is, they have my information within easy access, but simply refuse to send it. Why on earth does it take 15 days just to process it? I can understand 24, or even 48 hours, but 2 weeks? And it 's 2018, for crying out loud, why am I having to receive it by mail?
Product: Credit card

I have XXXX credit cards and XXXX of them charge me 22 % + in interest. My credit rating is great, XXXX, and my history with those businesses is also good. My payments are on time, always more than the minimum, with no late payments. The XXXX credit card I have has my interest at 9.5 %. 
I have tried many times with these other cards to negotiate lower rates, and have cited the reasons why as well as use competitive bidding with my lower card. TIme and time again they have refused to lower my rates with little to no justification. 
The XXXX cards I have are with Capital One, XXXX, and XXXX. From my understanding they borrow money for little to no interest from the Fed. They then set absurdly high prices with no true reason other than to make ridiculous return in profits while offering poor service to the consumer ( me and I 'm sure there are others ). This is price gouging. 
As we 've seen from the XXXX XXXX scandal there are serious issues in the banking industry. The scandal is massive, widespread, and in my opinion it is clear they knew exactly how wrong it was to do those actions, but did it anyway. I believe this issue with absurdly high interest rates is just as toxic and corrupt as the XXXX XXXX XXXX. This needs to be investigated and there needs to be justice.
Product: Debt collection

After reviewing my credit report I discovered accounts I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts XXXX urgently request their immediate removal to prevent anymore harm to my financial well being.
Product: Credit reporting or other personal consumer reports

It was stated that Im making frivolous attempts to correct my report because of fraudulent activity so I have attached my XXXX credit report which states this account is charged off / collection but company is claiming I still owe debt PLEASE PROVIDE A COPY OF 1099-C UNDER THE FCRA I CAN SEEK STATUTORY DAMAGES IF A CREDITOR FURNISHES INACCURATE INFORMATION ABOUT A DEBT SUCH AS REPORTING A CHARGE OFF WHILE STILL CLAIMING I OWE A DEBT ON MY CREDIT REPORT Pursuant to 15 USC 1692 C ( c ) I am notifying that I refuse to pay this alleged debt and I am demanding that you cease all forms of communication with me through any & All mediums
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two addresses on my Experian Credit record that do not belong to me. I have never lived in XXXX Az.  or XXXX Hi. 
I have lived my whole life in California. 
1. ) Belongs to Ex-Wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX 2. ) Belongs to My Son XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit card while I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXX, XXXX : # XXXX, which you claim, I owe [ $ XXXXor my account was charged off {$440.00} ]. XXXX # XXXX, which you claim, I owe [ {$1200.00} or my account was charged off {$1200.00} ] .This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX. I found a phone payment on my bank of America I did not make. This happened after I was issued a new card because of breech ( happens frequently ).

I talked with several people before getting. round. it took several more calls to start a dispute. No one could explained how a phone payment was made on my account. 

I am waiting for the dispute process to be completed. 

On XX/XX/XXXX. I found another charge for return check fe, because I stopped the payment I did n't make. I had to call and get it reversed. 

Bank of America seems to try and charge customers any way they can.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer 's rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX Department of XXXXXXXX XXXX- account XXXX XXXX Department XXXX XXXX XXXX- account # XXXX Department XXXX XXXX XXXX account # XXXX Department XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
I looked at my XXXX report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) R Treatment of inaccurate or unverifiable information.

( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or modified that ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer in according to 15 USU 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Attached is a police report for Chex Systems , Inc., For Consumer Financial Protection Bureau Report Number : XXXX I sent to Chex Systems . I want Chex Systems to immediately delete and remove the fraudulent and unauthorized inquiries viewed by others and me from my Chex Systems XXXX Report ID : XXXX.
Product: Credit card or prepaid card

While preparing for vacation, I reserved a room at XXXX by XXXX XXXX XXXX, MO XXXX. As our vacation drew near, we discovered that XXXX XXXX, MO was experiencing flooding in the downtown area, so we canceled that reservation and decided we would stay there on our return trip home. This was XX/XX/2021. Immediately upon cancellation, Bank of America billed us {$120.00} for the reservation. This should not have happened, as I had canceled 4 days in advance of the stay. I contacted Bank of America, and they removed the charge from my account on XX/XX/2021. We proceeded with our vacation and stayed at XXXX by XXXX XXXX XXXX, MO Downtown on XX/XX/2021 for which we were billed {$280.00}. This charge was legitimate. Later, on XX/XX/2021, I found that Bank of America had reinstated the charge of {$120.00} to my account stating that an authorized user of my account had made the charge. This is not correct. I contacted XXXX  by XXXX XXXX XXXX, MO XXXX and they said that they had not billed me or received payment for XX/XX/2021. I contacted XXXX XXXX headquarters and they also stated that they did not charge me nor had they received any payment for XX/XX/2021. I have called Bank of America about this charge on 3 occasions. I have also written two letters to Bank of America. They tell me that they are still investigating the claim. It is now XX/XX/2021. This dispute should have been resolved long ago. I want my account credited {$120.00}. I do not know who Bank of America gave my money to since XXXX says they received no payment, but I want Bank of America to give it back.
Product: Credit reporting or other personal consumer reports

I obtained my XXXX/Equifax/XXXX credit report online . There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have given me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Mortgage

This is letter that I wrote to the XXXX Regions Mortgage ... 
I THINK YOUR LITTLE SURVEY IS BOGUS, BECAUSE IT ASK ONLY QUESTIONS THAT MAY YIELD FAVORABLE RESPONSES. 
Right off the bat I did not find a response that would adequately answer to my experience with my modification or the service I got from my lender. It was HORRIBLE is the best way I can put it until the last minute when I was about to go into foreclosure they felt obligated to give me options after numerous repeated request for such avenues. Even then, I was pigeon hold into one and was told I did not qualify for anything else. If they had been forth coming earlier in my demise even with this option, my situation would not have become so desperate. Instead they string me along, sending people to my house each time charging me a fee for the visit, claiming they are seeing if anyone lives at the house, despite the fact I was calling them at least XXXX per week, all this on top of the late charges and fees they added. I depleted my savings as a result trying not to be homeless and on top of that, all because I was assigned a person I could never get on the phone ; but was told any associate could help me and when I spoke to any associate, I was told decisions had to be made by my delegated representative. For months this continued until it became a foreclosure situation. 
I will raise my children to find ways to never use banks or get mortgages ; I see your survey as an extension of that fraud of the modification process. I was told that my mortgage would be reduced. After signing the modification which I had no bargaining input towards I was rushed to sign the deal. Before I could get the new modification amount they stipulated, it went back up to the amount I could not pay and their reasoning for this was escrow shortage, which essentially put me back into the predicament I was in, in the first place. If that is n't fraudulent I do not know what is ; this modification, like your survey was just an exercise to scam the US Government into thinking that your are complying with their demands at the expense of poor, vulnerable and powerless people. 
Shame on you, but we reap what we sow do n't we. How long do you think people will put up with your financial tyranny, enjoy it while it last because what you are essential doing is cultivating a culture of distrust, disgust and anger for such institutions as well as training us how to exist and find ways around doing business with you. The Banks and XXXX have very poor customer service, your product does not help anyone but yourselves and is the equivalent of a " XXXX card game '' where the pawn never wins. Your business model seem to be " ride it until the wheels fall off '' and is void of any sustainability measures. Please let his be the last BOGUS survey you annoy me with, I have been bamboozled long enough by you, at this point it is just plain torture. 
-They followed up with free financial counseling with a warning that information gathered would be used to collect any/all debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Credit Reporting Agency Violations Dear XXXX XXXX, This letter is to formally file a complaint against XXXX, Experian, and XXXX, the major credit reporting agencies, for violations of the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly disputed the following accounts on my credit report, claiming they are inaccurate and potentially fraudulent : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX This account appears to be falsely reporting ongoing activity, despite being closed in XXXX. ) Despite my disputes, the credit reporting agencies have failed to : Provide verifiable documentation to support the validity of these accounts.

Conduct thorough investigations into the accuracy of the information on my credit report. 
Remove the disputed accounts from my credit report, as required by the FCRA. 
Furthermore, I am concerned about the potential impact of recent data breaches at major companies like XXXX, XXXX, XXXX XXXX, and XXXX on the accuracy of my credit report. These breaches may have exposed my personal information, increasing the risk of identity theft and fraudulent accounts being opened in my name. 

I request that the Federal Trade Commission : Investigate the actions of the credit reporting agencies for potential violations of the FCRA.

Order the credit reporting agencies to remove the disputed accounts from my credit report until a thorough investigation can be conducted.

Take appropriate enforcement action against any credit reporting agencies found to be in violation of the FCRA. 
I have attached copies of my credit reports, copies of my dispute letters, and any other relevant documentation. I look forward to your prompt attention to this matter and the resolution of these serious credit reporting issues. 

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

XX/XX/19 I spoke to Quicken Loans ( 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX ). Out of the three representatives, one asked for my social security number but stated that they wouldn't be pulling my credit report. At the beginning of the phone call with XXXX XXXX, I clearly explained to him that I wasn't yet able to apply for the XXXX XXXX Enhanced Refinace Relief Program. But, when we were discussing estimate figures, he stated we wanted to look at a " recent '' credit report and asked for my social security number. I was led to believe that he had access to view my credit report as such as a soft inquiry ( promotional, account review, etc. ).
Product: Checking or savings account

The amount of money was not in the account, and they still proceeded to take the money out then issued me a returned check fee.
Product: Checking or savings account

Hello, I was a recent Wells Fargo customer, and I moved and changed my contact information and believe that I was impacted by their recent illegal activity for charging incorrect overdraft and insufficient funds fees. My new address and contact information is below. I appreciate your assistance and support! Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX