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

XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, California XXXX ) is trying to collect a money from me and reporting it to my credit report. The debt is fraudulent. My identity was stolen and used against my knowledge and consent. I have fraud alerts on my credit and have also contacted the police about this debt. The company claims I owe {$3700.00}. I have no knowledge of the origins of this debt which this company is seeking to recover. The entire account is fraudulent. 

I have contacted Transunion credit reporting agency on multiple occasions to delete the fraudulent account. Transunion has not responded to the original CFPB complaint which was filed on XX/XX/year>. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX has not responded to the CFPB complaint on filed on XX/XX/XXXX. 

Transunion investigation on my dispute I submitted through their company results were valid with no evidence of proof other than the company 's word of mouth considering it to be hearsay. 

No documentation was provided to me on the fraudulent account.
Product: Credit card or prepaid card

I am disputing the companyXX/XX/XXXXfor opening up and closing an account in my name without my consent, the card was opened XX/XX/XXXX and shortly closed after. In doing so they have caused damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with XXXX XXXX and XXXX
Product: Mortgage

Back in XXXX, I applied for a loan and was given terms. I supplied all materials requested in a timely fashion. I never heard back and was concerned about the rate lock expiring. After many attempts to contact the company with no luck, I finally got someone who informed me that my loan person had left the company. The person said he would get things back on track. I told him I was concerned that my rate would go up due to delay. After another month or so, I was informed my refi was back on track but the rate was going to be higher. I complained and they said they would honor the rate but I would have to go through the process again. I unhappily agreed. They then requested all ppwk again which I supplied in a timely fashion. After many more months, now into XXXX, I was told that my I would have to pay fees to secure my rate and that after 7 months, if I did not pay them, my loan app would be terminated. 
It cost me much time, effort and costs in providing all they requested TWICE. 
I have no idea why I was treated so poorly. I have never experienced such lousy treatment. Was it my rate was attractive? Was it who I am? Maybe it was an XXXX XXXX bias? I have no idea but I demand satisfaction for my time, costs and opportunity lost dealing with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my personal non public private information as a consumer credit profile without express written or verbal consent which is in fact identity theft. I asked them to cease reporting of my personal information and was denied. They continue to report anyway pursuant to 15 usc 1681 this is illegal and they are reporting knowingly and willing false and misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute online with Equifax regarding a negative account on my credit report. I have received email notifications that they are working on it and I can login to view the status. I can not login to view the status and after calling they wouldnt help me log in. They said they couldnt. My credit score with Equifax dropped XXXX points after I filed the dispute even though a dispute is not supposed to effect my score. Their answer to this was since I hadnt paid {$8.00} to get my fico scores through them they think Im lying and my score didnt drop due to the dispute. I also wont know what my resolution to the dispute is unless I call and ask. They refuse to give me anything in writing which is probably why I cant login
Product: Credit reporting or other personal consumer reports

Several accounts are showing charged off/ written off as a loss to company/ closed due to inactivity. However, they all still show a past due balance None of the account have consistent/accurate information about the account. My concerns are the open date, last activity, open, date
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, My debt card information was stolen and was used on XXXX and other online purchases. the account was overdraft in the amount of XXXX the overdraft was due to the new service of courtesy pay. I immediately contacted the back to create a dispute and it is not resolved.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with LVNV Funding LLC. I have contacted XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX account numberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to request your assistance in resolving an issue with Western Union regarding a refund for a money transfer. I have made multiple attempts to resolve this matter directly with Western Union through their internal channels, but have been unsuccessful in obtaining my refund. 
On XX/XX/year>, I initiated an online money transfer with reference number XXXX  XXXX amounting USD XXXX through Western Union Mobile App. I use this platform regularly and haven't had any major issues until the last transfer. The recipient never got the money because the receivers bank account number was entered incorrectly. Its a non-existent account so there is no matching record in the bank to accept the charge from Western Union. and so the fund will bounce back to Western Union. 
I called Western Union for research inquiry, trace of fund and refund many times in XXXX and XX/XX/year>. Following are case numbers Western Union has created however there is no single and definite resolution for every case since the initial ticket was raised. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Every time I call and follow up to the customer service, the representatives will just keep raising new tickets so it can be escalated and can be routed to the correct department they were however it seemed like its just going around. 
I can't afford to lose my hard-earned money and so requesting Western Union to refund the money that was never credited to the receiver.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on experian but not XXXX or XXXX and it dropped me over 30 points that it shouldn't have. And now XXXX and XXXX  are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!
Product: Debt collection

Please help me with this matter : After reviewing a copy of my credit report I found the following item to be an error. Here as follows is the item in error : Collection Agency : Receivable Management Company Original Creditor : XXXX XXXX XXXX Balance : {$69.00} Account Number : # # # # # XXXX Open Date : XX/XX/2019 The basis of my dispute is I never had an account with this creditor and I do not owe this debt. This is inaccurate reporting on my credit file. I tried to get this resolved directly with the collection agency by disputing through the credit reporting bureau XXXX  however, the collection agency refuses to correct this inaccurate reporting. I have never had an account with them. I've never signed any contracts or paid any funds directly to them. I called the original creditor ( XXXX XXXX XXXX ) on XX/XX/2019 after seeing this collection on my credit. After speaking with them, they confirmed that there was a pending balance that my insurance company refused to pay because I'm military and require a referral process to see doctors outside the military base. After speaking with them, I told them I was never notified by them that the referral was expired and that my insurance company refused to pay the bill directly to the doctors office. I then paid the amount over the phone to XXXX XXXX XXXX. I have never had an account, nor made a payment to receivable management group as they have indicated on my credit report. Please see attached receipt provided to me directly from XXXX XXXX XXXX once I paid them. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete their reinvestigation within 30 days of receipt of this letter.
Product: Credit card

More than 10 years ago I opted into American Express pay over time on my charge card for purchases over {$250.00}. In XXXX I realized my balance was ballooning and I couldnt understand why my balance that I was paying down, was increasing despite supposedly paying what I thought was my monthly pay in full balance on purchases under {$250.00}. I contacted the company in XX/XX/XXXX and was told that they made the pay over time limit {$100.00} effective in XX/XX/XXXX without notifying me. Furthermore, this was not apparent anywhere on the mobile site, effectively driving up my pay over time balance at ever-increasing interest rates and during the height of the pandemic when my purchases were by charge card so that I could avoid using my debit card for internet purchases of items I would have otherwise used cash/debit card if I could have made the purchases in-store. The idea that this predatory practice was supposed to be providing financial relief was a total farce. In fact, I believe it was directly in response to me paying over my minimum payments as a way to reduce my overall debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX Dear Collector, I am writing this letter in to despite discrepancies in my credit report. I dont believe I owe this debt or what you say I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law. 
Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law.

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights. 

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : 1. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor.

2. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt.

3. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state.

Furthermore, I hereby revoke all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above.

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Please provide the requested information within 30 days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful.

Thank you for your attention to this matter. 

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

I do not recognize these inquiries and would like them removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2017 from TD Bank N.A. repoted 2 inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, XXXX, XXXX, and Experian to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and XXXX nor XXXX nor Experian added my account. XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called XXXX added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on XXXX confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau XXXX XXXX XXXX with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of XXXX XXXX XXXXXX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies XXXX XXXX and Experian It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called Experian sent a consumer note called XXXX department priority escalations XXXX Consumer Statement. Called XXXX updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on Experian, XXXX and XXXX and it is NOT
Product: Credit reporting or other personal consumer reports

I reported that XXXX, equifax, and XXXX did infact report XXXX things on my credit report that I inform them that was not correct. I started the dispute with all three credit reporting agencies and all three has not taking these negative remarks and disputes off my credit file.
Product: Student loan

Mohelas customer service is all automated I have never been able to contact a real person to fix payments and they have recently changed their platform /webpage and when I put in my credentials it says they are inaccurate and when I try to put in a new account it says it's already in use but yet I can not change password. This company is very unprofessional.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.