23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I submitted a previous complaint to Equifax, XXXX, and XXXX to delete inaccurate information on my credit report that was fraudulently initiated. I requested for the information to be deleted and blocked, however Equifax failed to completely comply. I was a victim of an Equifax data breach which I previously submitted proof regarding. I also was a victim of identity theft when personal documents including my social security card and birth certificate but not limited to were stolen. My previous complaint ID 's are XXXX, and XXXX. I am now again submitting a complaint to have all items I listed deleted and blocked with a police report as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX all need to be deleted and blocked. I'm also requesting punitive and statutory damages of {$1000.00} each for all violations currently still listed on my report and for the information that was removed from my last complaint.
Product: Debt collection

XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, Texas, based debt collection company ( hereinafter " XXXX  '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim against me for which I do not owe, and they have direct means of collection. More specifically, XXXX 's client claimed to have inadvertently paid my property taxes on a property I own. XXXX claims this payment was made as a result of a scrivener 's error. To date, XXXX has made absolutely no effort to correct this improper payment from the County Treasurer and allocate the payment to the proper parcel. I contacted the County Treasurer, who confirmed that no requests for reimbursement were made. I confirmed that the XXXX will immediately issue a refund on account of mistake if asked. I advised the XXXX that I have no objection to the issuance of a refund on the account if asked. I submitted to XXXX and XXXX XXXX a written statement attesting that I had no objection to their refund. I then asked XXXX to cease all further communications with me during business hours, as my employment has suffered from the repeated efforts at collection. XXXX refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double payment to XXXX  and me being liable for a double payment. XXXX continues to call my work number during work hours, and did so on XX/XX/XXXX and XX/XX/XXXX, and I anticipate it will continue calling weekly. XXXX  has threatened me with legal action and the filing fo a lawsuit on equitable grounds despite its client possessing a readily available legal remedy. XXXX XXXX was flippant about my above concerns, demeaning and unprofessional during my telephone conversation with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, Method of Verification, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within 30 days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXXXXXX XXXX XXXX ) from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$810.00} XXXX XXXX XXXX {$190.00} XXXX   XXXX XXXX {$33000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I, XXXX XXXX withdrew {$250.00} from my XXXX XXXX XXXXPayactiv account and transferred it to my Payactive card. Moreover, the {$250.00} was never deposited to my card. In other words I never received the funds. Furthermore, the {$250.00} was deducted from my paycheck on XX/XX/year>. Ive contacted representatives from Payactiv and I was told that the case has been escalated. This has been an entire week and it is unfair and unjust that I was not able to access my funds, but your company was able to deduct money that was never deposited to me. Ive contacted the company via Email, Chat & phone several times and the same response is given that the claim is being worked on. I have not yet received any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as XXXX XXXX, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX XXXX correct this error. The XXXX credit card XXXX assured me its being handled each time I called them to say XXXX still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. XXXX XXXX XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.
Product: Credit card or prepaid card

Barclays bank of Delaware XXXX XXXX XXXX, XXXX, DE XXXX has opened a line of credit in my name which I have never authorized them to do and they will not remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've recently discovered this debt on my credit report as invalid and requested to have this removed. Security Collection Agency located at XXXX XXXX XXXX XXXX, NC XXXX has been contacted at ( XXXX ) XXXX by both myself and XXXX XXXX XXXX repeatedly with requests to remove this from my credit report and that it was reported in error and paid in full with a XXXX balance. Security Collection Agency is refusing to remove this from my credit report with all credit bureaus causing me to be denied credit. Please help me to have this collection agency to remove this from my credit report. They have refused previous requests from XXXX and XXXX of XXXX XXXX XXXX whom have tried repeatedly to work with me to have this removed.
Product: Debt collection

syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$540.00} i sent this agency two notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account
Product: Credit card or prepaid card

This is a written demand to President XXXX XXXX and whoever is liable for the legal fiction Continental Finance Company that as a consumer and the original creditor I am exercising my right of rescission. I rescind all signatures, endorsements, and consents there of. I was not disclosed certain information about the finance charge. I the consumer nor XXXX XXXX is the grantor after this communication. Release the credits, pay and or off set the taxes, and pay me the debt owed.
Product: Debt collection

This morning XX/XX/2018 as i checked my XXXX  credit report, i noticed a collection from XXXX XXXX XXXX with an open date of XX/XX/2018. I did not open an account with XXXX XXXX XXXX or any original creditor. The original creditor listed does not provide services in my city or state. 


This Debt was disputed and removed from XXXX  approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company I C SYSTEM INC sold it to another collection company after it could not be validated. 

This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
Product: Checking or savings account

XX/XX/year> Paid $ XXXX $ XXXX {$44.00} An error occurred or glitch at electronic level And they extracted the full pay off of a XXXX Chase Credit Card Immediately disccused with Branch manager whom stated this happens all the time, in fact I can order a reversal now. 
Several months prior I filed a complaint dispute about a charge on card and asked for it to be looked into because it said I had chosen {$100.00} dollars to be paid over 12 months. It seemed strange. 

The branch manager XXXX XXXX XXXX said that she is having the {$44.00} removed and then the rest into my checking. 
On the XXXX  day XX/XX/year> the deposit was only {$210.00} and I needed to pay rent, the funds that were allocated to go to the XXXX checking can not be intercepted and used for something else. If it was in processes for reversal just like the card cant go in and take money from my checking account when it wants. Like any other credit card it would place the decided amount on top of the {$470.00}. And then send a notice of overage or add a fee something. It never gave me an option to cure it. It just took on a glitch/error or some computer issue. 
I have now closed the card because I dont have any faith and I am moving toward wanting to close the entire account however the manager says just keep it open and we will work on it. Ive had this personal account for the past three years and only had to change my number once because of XXXX XXXX Now I dont have any faith that anyone especially them can just take out of my account at anytime. If the glitch hadnt happened the amount would have been place onto my balance. Shame on them.
Product: Vehicle loan or lease

I just got off the phone with XXXX. I put in a complaint on XX/XX/04 with the CFPB in reference to a late payment that was reported to my credit bureau in the month of XXXX, I was on auto pay from the beginning of the lease MBFS is claiming they tried to take out the deferral amount in XXXX and that it was returned insufficient funds from chase. 

I sat down with my banker who printed out the last 3 months of my statements and it does not show mercedes benz attempting to withdraw any funds from my account for the month of XXXX. My banker stamped the statements to show there must have been a bank error therefore i should not have been reported to the credit bureau as late. 

XXXX told me to attach the supporting documents and i also am attaching the paperwork forwarded to the CFPB I hope this resolves the matter and i can remain a statasfied and proud Mercedes Benz XXXX XXXX! 

Thank you!
Product: Mortgage

On XX/XX/XXXX I paid {$520.00} to Arvest Central Mortgage for an appraisal. As of today, the appraisal was never carried out. The loan has been transferred. I received a refund of {$200.00} not the total {$520.00} for services that has never been rendered. My loan has been transferred and they have charged me {$390.00} ( XXXX ) for PMI on XX/XX/XXXX and XXXX. They no longer carry the mortgage. I have yet to be refunded to the total appraisal paid of {$520.00} and my escrow balance of {$5700.00}.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and noticed an inaccuracy and I am submitting this complaint regarding the collection practices of XXXX. XXXX XXXX XXXX XXXX. Specifically, the company has reported a collection account on my credit report without being licensed to operate as a collection agency in the state of Michigan. I found that XXXX. XXXX XXXX XXXX XXXX is not licensed to operate as a collection agency in Michigan, as required under Michigan law. This lack of licensure is a violation of both state law and the Fair Debt Collection Practices Act ( FDCPA ), which mandates compliance with state regulations for debt collection activities. 
Also, I never received a dunning letter or any prior written notice from the company before they reported this account to the credit bureaus. The FDCPA requires debt collectors to send a written notice of the alleged debt within five days of their initial communication. This notice should provide details about the debt and my rights to dispute it. Since I never received a letter, Nor was I given an opportunity to validate or dispute the debt as allowed by law. Reporting a debt to the credit bureaus without prior notification and validation constitutes unfair and deceptive practices, harming my creditworthiness and financial standing. 

The collection account in question is identified as follows : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : XXXX To resolve this issue, I have Contacted XXXX XXXX  XXXX XXXX XXXX, demanding the removal of the account from my credit report. 
Filed disputes with the credit reporting agencies. 
I am now requesting the CFPB 's assistance to investigate this matter and ensure compliance with federal and state laws. Specifically, I ask that the CFPB : Too Investigate the licensing status and collection practices of XXXX. XXXX XXXX XXXX XXXX. 
Require the company to cease reporting the collection account on my credit file. 
Impose any appropriate penalties for noncompliance with state and federal regulations. 
Ask that the collection account be removed from my credit report unless it can be validated in compliance with applicable laws. 
Also That XXXX XXXX XXXX XXXX, XXXX be investigated for their failure to adhere to the requirements of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

Bank of America promised {$300.00} bonus when you opened up their checking account by a certain date and make {$4000.00} in direct deposits not including transfers from other bank accounts you have. I made the deposits and when I called at the beginning of XXXX they said I would receive the payment by XX/XX/XXXX. I waited until XX/XX/XXXX and I hadn't received it so I had to waste time to call again. When I called again he said I met the requirements but it would be another 50 to 60 days. No where does it say these time frames in the offer and it appears to be a big and switch. Bank of America just keeps saying the bonus will come in the future so you don't close your account when you realize they don't have drive thru locations anymore. Why on earth would a mother of XXXX young kids want to expose their children to the germs of tons of people in the lobby?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with NAVIENT XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Checking or savings account

This involves all my Ally accounts not just my savings account. " All accounts '' was not an option. 

When I log in online to my Ally accounts, it asks me if I want the login code sent to my email address or to my phone. Somebody is trying to open accounts in my name, and filed a fake income tax return in my name, and I don't doubt that they will try to hack my email. 

I have changed my password, but that's not enough. 

I have repeatedly asked Ally to remove the option of sending the login code to my email address, since somebody can hack my email. Sending the login code to my phone is much safer, and I always choose that option. 

Ally ignored my request and simply told me to change my password. Which I have already done. 

However, sending the login code to my email address should NOT even be an option. The way Ally has it set up now, somebody can simply hack my email and have the login code sent to my email. Again, this should NOT be an option.
Product: Debt collection

Company sent me someone else 's personal information and will not take accountability for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : XXXX, Equifax XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXX. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have an inquiries on my report that I never applied for, I need this to be removed I already fill up an Identity Thief affidavit and send this to all XXXX credits bureaus.The company XXXX application was not done by me.