23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX Capital One Account number : XXXX Reported XX/XX/2022 on my consumer report. I sent a letter to this company certified mail green return receipt signed from an Agent and still have not gotten a letter from them yet. XXXX/Capital One have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. This account must be deleted from my consumer report. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 


I'm demanding this account to be deleted from my consumer report, because they're reporting it as a Charge Off. This reporting is inaccurate and must be deleted.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN MY ( IDENTITY AFFDAVIT ) LIKE THEY ASK ME TO TO IN XX/XX/2019 I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 's. On XX/XX/2019, 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: Credit reporting or other personal consumer reports

I received an unsolicited letter via email from TrueAccord acct : XXXX stating that I owe a debt. This account has already been disputed as not valid with the original creditor. Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to in equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data provider and your continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed.
Product: Money transfer, virtual currency, or money service

I was refunded XXXX XXXX by XXXX  XXXX  but never received the money. I got an email from XXXX  that the refund was complete. I looked in my account and the transaction was missing and so was the money. This happened XXXX that the transaction was completed. XXXX  has told me it is a glitch and the engineers are working on it. They claim Im not the only person this has happened to.
Product: Credit card

On XX/XX/year> my card was used at XXXX XXXX XXXX in XXXX Tn. I have contacted that company on several occasions regarding the release of my funds because they were fraudulent charges. This company refuses to release my funds.
Product: Credit reporting

I contacted Experian on line re : a turn down on a small loan thru my credit union. I was asked to pay {$1.00} for my report on line. 
I then received an XXXX withdrawal from my bank account for {$21.00} for their credit monitoring service that I never requested. I called the XXXX # on my bank statement and she kept referring to my membership of credit monitoring. WHAT? I told her to undue the unauthorized withdrawal. 
She said she would and the withdrawal processed any way. 
Experian has created a mousetrap with their ambiguous site. 
Please investigate these unscrupulous deceitful practices. 
Thank you for your help. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I was being charged overdraft fees from my account for the past few years even though I had money but when its time to spend it I have all these over draft fees because they were letting companies still pull money that wasnt there anymore causing me to be in debt.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a notice on XX/XX/XXXX stating that my account was past due for {$8.00}. this account was paid off in full in XX/XX/XXXX, and the account was closed. I called the number listed on the statement, but since I no longer had my card information, they were unable to help me and asked me to go into a branch. I went into the Downtown branch, but they were unable to help me and told me to call the number on the form I brought in. I explained that I already had, and they told me to resolve this issue in a branch.

No one at Bank of America has been able to help me, and I have no idea how there is a charge 4 months after this account was closed.
Product: Debt collection

Ive been approached by Portfolio Recovery Assoiciates, LLC multiple times regarding 4 debt collection accounts that all pass the statue of limitations and expired. They keep reaching out to me to collect the debt. I have been sending letter and disputing it with XXXX XXXX XXXX XXXX to get it removed on my credit report but nothing. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Checking or savings account

Social Security set my XXXX XXXX  but they sent my XXXX  benefit payment to a close account with Sofi. I called them. They want me to do a runaround. The payments not been sent back yet. I would like them to send the payment back to SSA so I can get my money.
Product: Checking or savings account

On XX/XX/2020, I opened a checking account with Bank of America. I was looking for checking accounts with bonuses and found the Bank of America XXXX plus banking. The XXXX  to get the {$100.00} was that I had to do certain direct deposits from my employer, which I did right away and I still receiving my salary in my Bank of America account. I called them a month after I opened the account and they told me I had to wait 60 days and I would get the {$100.00}. After 60 days nothing happened and called again. When I called back in XXXX they said they couldnt find any promotion in my account I fell so disappointed they lied to me every time I call I get different information. I called today and they cant even find the record that I called before. I called like 6 times. Please help
Product: Debt collection

In XX/XX/XXXX, Rash Curtis associates added a debt to my credit claiming that I owe them nearly {$3000.00}. They claimed that this debt is several years old and has never been paid. This debt was actually paid for by my insurance in XX/XX/XXXX, from a XXXX that happened XX/XX/XXXX. They have been bullying me and claiming false accusations even after calling XXXX XXXX and getting a claims summary and providing it to Rash Curtis. It has been a month since I have contacted and provided proof of payment, all they tell me is to wait another week and continue to push me away without solving anything and adding to the collection of debt they believe is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX  called me and started asking a line of questions in regards to my property and what I think the current market value of my home is worth. 

They did NOT inform me that I was speaking to a licensed loan officer XXXX XXXX  XXXX nor did they imply in any way I was answering questions for any application. 

They were simply asking me questions about my current mortgage and going over my property value and current interest rates, and they told me that they needed to ask me for my personal information for security reasons. 

I absolutely DID NOT, in any way shape or form give them permission to pull my credit. 
I did not ask them the refinance my home. I did not ask them to see if I qualify. 

XXXX XXXX  from XXXX XXXX  pulled my credit without my permission and did not inform me that she was doing so on the call. 

Then I spoke to her associate XXXX XXXX from XXXX  XXXX  right afterwards about the situation and told her what happened and she assured me that they would remove the inquiry. 

She requested that I send them a written request for the inquiry to be removed, and I sent them a letter via email. 

They did not comply and the inquiry remains on my report till this day. I would like this inquiry removed from my report immediately. 


a. Date of Inquiry ( XXXX  ) b. Company name on the inquiry ( XXXX XXXX XXXX XXXX XXXX c. Request to delete the inquiry
Product: Mortgage

Set forth below is a copy of an email that I sent today to Wells Fargo. The email speaks for itself. 
XXXX XXXX Private Mortgage Banker Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX : I just received a package of materials sent by XXXX by you, which is entitled " Private Mortgage Banking Full-service options for upscale home financing ''. 

The first sentence of the letter enclosed in the package states : " I appreciate you taking the time to discuss your home financing needs with me. '' Since I have NEVER spoken to you, nor even to my knowledge have you made any attempt to contact me until your XXXX package arrived, I can unequivocally state that, once again, Wells Fargo is knowingly misrepresenting facts. On the off chance that you have opened an account based on our fictitious conversation, please close it. 

A copy of this letter will be filed with the Bureau of Consumer Financial Protection. 

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

THIS COMPLAINT IS DUE TO XXXX NOT RESPONDING AFTER 8 MONTHS OF RECEIVING MY DISPUTE LETTER REGARDING AN INACCURATE ACCOUNT THAT THEY HAVE BEEN REPORTING ON MY ACCOUNT. I HAVE BEEN PATIENT FOR THE LAST FEW MONTHS, BUT IT HAS BEEN ENTIRELY TOO LONG AND I HAVE NOT RECEIVED AN UPDATE OR ANY DOCUMENTATION VALIDTATING HOW XXXX IS REPORTING THIS ACCOUNT AS SUCH. THEY ARE REPORTING CRESCO CAPITAL XXXX AS A REPOSSESION AS WELL AS A VOLUNTARY REPOSSESION. HOW DOES THIS MEET FCRA REGULATIONS? ALSO, THIS WAS NOT A REPOSESSION THE ACCOUNT WAS PAID SO I AM CONFUSED WHY XXXX HAS INCORRECT INFORMATION WHEN XXXX AND XXXX ARE REPORTING THE ACCOUNT AS CLOSED AND PAID. BEING THAT THIS HAS BEEN ONGOING FOR 8 MONTHS I AM DEMANDING THE DELETION OF THIS ACCOUNT OR FOR IT TO BE UPDATED TO PAID AND CLOSED. I WILL BE SEEKING LEGAK ACTION FOR THE MANY VIOLATIONS OF THE FCRA IF THIS IS NOT UPDATED ACCORDINGLY. I WILL ATTACH THE LETTER THAT WAS SENT 8 MONTHS AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed out letters to all 3 Credit Bureaus. 
I received no response. 

On XXXX I mailed out follow-up letters to all 3 Credit Bureaus .

I received yet again, no response! 

I have now mailed out a 3rd set of letters on XXXX! 
The law says they have 30 days to respond, it's been well over 30 days and I have had no response to the incorrect information reporting on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed entire complaint to FCPBureau tracking no. UspsXXXX. 
XX/XX/ from XXXX, ms.all 5 reports plus letters and more attached.
Product: Debt collection

I recently disputed a medical account with this company to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 3 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 3 months and never to be responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

hello my name is XXXX XXXX i filed a complaint XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 and have not been responded to yet so there for since the credit company have not got back me within the 30 days that they are legally required to they need to erase what i am disputing about off of my credit report an i also would like to be reimbursed for the losses that i have sustained due to improper credit reporting the info that they are reporting is inaccurate on each credit site and it has to be the same or removed i was just recently denied a car lone and loss my job due to the fact that i cant get to work i was working at XXXX was unable to get there due to be denied a car due to the collections on my credit report that are not even the same i will show proof below this has greatly affected me and my everyday life in ways unexplained please help i would also like to be reimburse for every collection that has been reported because i am aware that that it is illegal to report those as well and also XXXX  is trying to charge me to view my credit report and i am aware that that is illegal as well
Product: Debt collection

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit report. Would you mind reviewing the paperwork? Several of the documented accounts seem to be incorrect, causing me some distress.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX early in the morning I decided to finish XXXX shopping, a random stranger asked me to use my phone to call for a ride, me being the nice person I am out the kindness of my heart I let her use my phone while she used my phone she decided to send herself ( Transaction # 1 ) in the total of {$50.00} dollars a few minutes later she send herself again ( Transaction # 2 ) in the total of {$30.00} dollars, now she handed me my phone back and I proceeded and got in my car, once I get to the next place I noticed {$80.00} was missing ( before I pay for my items I always check my account, even throughout the day ) I instantly called chime to dispute I told them the same thing so they filed dispute # 1, hours later I recived a email stating that they denied the dispute I called to rebuttal so here it is dispute # 2 again same thing hours later now this is yesterday they send me a email again that even the rebuttal had gotten denied now at this point, I'm emailing chime letting them know I will take further action if need be, I've also tried to explain to chime I did not authorize these 2 Transactions, this was simply a stranger asking me to use my phone ( I do believe if I do good by others a blessing will always come ) me being the person I am I let her and when I did she sent herself {$80.00} from my account without my knowledge, my apps in my phone do not have a pass code on them, also I would like to state that chime has not solved my issue and they refuse to, I've told them expressed to them on sevral occasions that it's XXXX and I have been a customer loyal at that since XXXX of 2023 XXXX XXXX XXXX XXXX i work hard for my money that was money for my children for XXXX and they still refuse to place my {$80.00} back to my account, I don't even use chime to send any type of money I can count on 1 hand of how many times I used chime to send, I could give chime documentation because I do not know this lady the name that the lady sent the money to I looked up the name on XXXX and XXXX and that was simply not the same lady I let use my phone, they still refuse so please I need help please.
Product: Debt collection

This account was reported to XXXX XXXXPayPal and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. XXXX XXXX XXXX says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by XXXX  that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am not filing disclaim in the third person. I am a living woman whose privacy rights have been violated. THE ACCOUNTS ARE INCOMPLETE AND NOT ACCURATE. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$7200.00} XXXX  XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX  / # XXXX {$660.00} XXXX XXXX XXXX/ # XXXX {$87.00} XXXX XXXX  / # XXXX {$4000.00} XXXX XXXX / # XXXX {$1200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I Have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Vehicle loan or lease

please follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because : XXXX XXXX open date is not reporting correctly, Date reporting is not reporting correctly Account Rating : Completely incorrect, this account information is not corresponding to me. I had sent letters to the Bureau and I have not received any response and i don't know what else to do. 

Can you look into this matter, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

They charged off my account and added on my report a charge off remark. By law, an account can only be charged off after 180 days of deliquency. I asked them to show me how I missed 180 days of minimum payment they kept forwarding my calls and are always unable to answer me since my last payment was just a month ago. I filed a complain with the credit bereau but the  credit card company is still refusing to remove the wrong data off my report. I'm asking that they delete those wrong information from my report. I even have already paid off the full balance now.