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

Self Financial Lead Bank/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Reporting as Debt # XXXX, XXXX Dear Self Financial Lead Bank/ XXXX XXXX I am writing to formally dispute the reporting of a charge-off ' associated with the above- referenced debt on my consumer report. Upon reviewing the account history and publicly available records, I believe there to be lack of full disclosure via fraudulent concealment which may have aided in an unjust enrichment. 
This transfer of ownership to the trust and selling of the securities raises several concerns regarding the accuracy and legitimacy of the reported charge-off '. 
Additionally, I have identified multiple data points associated with this debt that are being reported inaccurately across various credit bureaus. These inaccuracies further undermine the legitimacy of the charge-off and contribute to finance hinderance in my life Specifically, I am disputing the following : 1. Accuracy of Charge-Off Reporting : If my promissory note was securitized this means off - balance - sheet book keeping occurred which may have derecognized Self Financial Lead Bank/ XXXX  XXXX liabilities , removed them from their books and transferred them to Self Financial Lead Bank/XXXX  XXXX who then sold them for profit. So, writing it off as a bad debt/lost and reporting it as a charge off is false reporting, fraud, and embezzlement. 
Validation of Debt : I request detailed, debt-level documentation proving that Self Financial Lead Bank/ XXXX XXXX retained the authority to report the charge-off after securitization. This should include a solid chain of authority demonstrating the assignment or reassignment of the debt back to Self Financial Lead Bank/ XXXX XXXX XXXX evidence of the debts transfer, the balance at the time of transfer, and any agreements validating Self Financial Lead Bank/ XXXX XXXX continued reporting authority for this debt. 
Potential Double Recovery/Unjust enrichment : If the debt was securitized and sold, Self Financial Lead Bank/ XXXX XXXX may have already been compensated for this debt through the securitization process. In such a case, reporting the debt as a charge-off is false and mislead. 
I request that you investigate this matter thoroughly and provide a written response within 14 Days from receipt of this notice. If you can not validate the legitimacy of this charge-off reporting, I demand that you remove this entry from my credit reports with all major credit reporting agencies ( XXXX, XXXX, and XXXX. Failure to address this dispute accurately and promptly will result in additional action in pursuing remedy. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit limit was lowered from {$13000.00} to {$1500.00} at XXXX Bank. {$8500.00} to {$4000.00} at XXXX bank. This caused my XXXX credit score to lower l because of the credit utilization increase to 73 %, which in turn raised my Interest rates on the cards. This negative effect was caused by the XXXX agencies. XXXX, Equifax and XXXX. 
My XXXX score was XXXX and dropped down to XXXX overnight.
Product: Debt collection

A XXXX XXXX account was opened in my name that I did not open. I received a letter in the mail from Diversified Consultants who is the debt collector in the matter on XX/XX/XXXX. The letter states I owed XXXX XXXX {$1200.00} for services I did not purchase. 

I proceeded to call the collections company who said I have to file a police report. I filed a police report on XX/XX/XXXX.
Product: Debt collection

ACI - American Coradius International LLC contacted me with a request for full payment for an amount due on my XXXX account. I closed the XXXX account and have made regular payments to XXXX. The account is not behind and is in paid each and every month.
Product: Student loan

I was in an IDR plan last year and needed to recertify in XX/XX/XXXX. I have tried over and over to recertify. I do bot have access to my husband 's income or bank accounts and therefore i know i do not have to use his income. I have told them this for the last 8 years. Finally lady year was the first year someone listened and i was able to enter into an idr plan with a XXXX payment. For 8 years prior i was either in deferment or forbearance because they would not listen and did not offer the idr plan. They also didn't offer any assistance when i was on unemployment and XXXX in XXXX - XXXX. I could have had my loans paid off but now im at over XXXX mostly in finance charges. Now its set to come out of my bank and its a XXXX payment i only bring home XXXX each paycheck. I wont be able to make my bills this month. They don't listen and they don't respond.
Product: Money transfer, virtual currency, or money service

I received two refunds onXX/XX/XXXX from XXXX XXXX thru PayPal.

The funds from the refund for {$41.00} was immediately made available. That balance was actually used towards a replacement order onXX/XX/XXXX Another {$370.00} was withdrawn from my checking account. The refund of {$400.00} shows as refunded but the funds have never shown back in the PayPal account. Account balance is {$0.00}.

XX/XX/XXXXI noticed the {$370.00} withdrawal from my checking. I did not understand why, so I called PayPal on the morning of the XXXX After navigating their auto phone maze, I spoke with an Agent. I asked why funds were taken when they still owed me {$400.00}. First he said I used it against the purchase onXX/XX/XXXX. Then put on hold for while, came back and said it takes 5 to 7 business days. I pointed out that I received one of the refunds that was processed the same time. He remained with 5-7 days, and would not explain why.

XX/XX/XXXX, day 7 I call again, after the two minute hold this time I was told that XX/XX/XXXXhadn't completed their transaction, so my refund hadn't been processed. I asked why would or how your system know there was a refund if XXXX XXXX didn't notify you?. Put on hold 7-10 minutes. Upon return, I will need to transfer you to a specialist.

I hung up. I decided to try the website, sent an email, received a caned response and then a second response : Good day. Thank you for contacting PayPal about your transaction.

I'm unable to determine what transaction you are referring to. If you are pertaining to your transaction with XXXX XXXX XXXX   I regret any confusion and inconvenience this delay may have caused. We have identified a technical issue that the refund was completed but still pending on receiver 's account.

I have noted that your account has been affected by this and will pass on the information to our technical support teams who are working on a solution in a quickest possible time.

I humbly ask for your extended patience and understanding.

Thank you for being a valuable member of the PayPal community. Take care.

Sincerely, XXXX Consumer Support PayPal Copyright XX/XX/XXXX PayPal. All rights reserved.

XX/XX/XXXXI have called everyday sometimes I get to the specialist, never a manager. All have assured me my funds will be released in 1 to 24 hrs. Nothing has changed, I was given a ticket number once by, and on subsequent emails I have sent in response to their emails doesn't match.

I believe eitherXX/XX/XXXX the Agent had me try to file a dispute thru my PayPal account. I could not dispute the original purchased, since it had be refunded. And I could not get the refund dispute to accept.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items. 

Collection/Charge Off XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Late XXXX XXXX Account Number XXXX XXXX Personal Information : Former : XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX two items showed up on my credit report that were the same alleged debt, with the same amounts and from the same company. The items were from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, with the account number XXXX. I Disputed this item as soon as it arrived on my credit on XX/XX/XXXX with both the debt collection agency and XXXX XXXX XXXX ( the original creditor ), however the company put in the entry that the start date was XX/XX/XXXX. This item did not show up until XX/XX/XXXX on my credit report ( XXXX ). XXXX then removed one of the duplicate entries but did not remove the second one. I disputed the second one through XXXX  directly, and also disputed it through XXXX as it shows up on that bureau as well. They stated this alleged debt was shown to be valid, although the original creditor had a false address attached to it and I disputed it based on not obtaining services through the original creditor, which I did not receive services from. Furthermore, this alleged debt originated in XX/XX/XXXX and is time barred. Despite all of this, XXXX and XXXX  upheld the entry and allowed it to remain on my credit report. I have already disputed this debt through the proper channels, and one of the entries was already removed. I am requesting this other entry be removed from my credit report and to not be contacted in any way about this alleged debt from anyone. To be clear, I dispute this alleged debt and I do not owe this debt. I have not obtained services from XXXX XXXX XXXX, and attempted to prove that by the fact they had an address on file I never resided in. Furthermore, this is time barred. Please correct this. Thank you.
Product: Mortgage

Chase ; I spoke with two representatives both on the phone call on XX/XX/XXXX. I included my friend on the speaker phone call as a witness. It was a futile exercise. They denied all of my questions. 
Chase bought my mortgage as of XX/XX/XXXX. My on time payment history is excellent. I paid {$1700.00} for the past 6 years until Chase bought my mortgage. 
On XX/XX/XXXX I received a bill from Chase stating I had a " shortage of {$3500.00}. '' They attributed this to a XXXX escrow analysis based on a projection of future taxes. I had already checked with my town tax office and they said they don't know what the taxes for 3rd and 4th quarter will be until XX/XX/XXXX. Chase however used older and higher taxes to put on the lines for 3rd and 4th quarter. They said their policy is to always have two ( 2 ) months total escrow on hand. This is a " policy '' I was never notified of, nor was it in the " Welcome to Chase '' package they sent in XXXX, XXXX. This one-year in escrow advance and an arbitrary property tax increase is questionable and unacceptable to me. Today is my XXXX birthday. They gave me 3 options : 12 months spread of {$2200.00} as of XX/XX/XXXX ; # 2 pay shortage of {$3500.00} " and adjust my monthly mortgage to {$1900.00} as of XX/XX/XXXX. # 3 pay part of the shortage. I understand that the rest of the shortage will be divided evenly and added to my monthly mortgage payment. ''
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

My name is XXXX XXXX. My business name is XXXX XXXX XXXX XXXX. 
I used to have a business checking account with Citi bank and issued a cashier 's check from my business checking. And it was deposited back to my business checking account. Then my business checking account was suspended and I did not get my fund yet. The fund ( {$130000.00} ) is still on hold in Citi and I did not get it yet with unknown reason. The Cashier 's check number is # XXXX and my Citi business checking account number is XXXX My personal information is as below. 
Name- XXXX XXXX Date of birth : XX/XX/year> SSN : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX : XXXX Buisness name- XXXX XXXX XXXX XXXX XXXX 
XXXX : XXXX
Product: Checking or savings account

I bank with navy federal and they sent out an email stating there was a breach in customer information, so I checked my account and saw that all my money was gone. I reached out to the bank and they said they would investigate and get back with me. I started looking at charges on my account and noticed that there was a credit as if I called and reported a fee coming out that wasnt supposed to come out, and I informed them that Ive never called them to about that and they could go back to the times Ive called to see and they still havent given me any information on that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card Account - Experian Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my Experian credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my Experian credit report, I have discovered significant inaccuracies that require immediate attention and deletion. 
The specific discrepancy I wish to address concerns the account status and the reported late payment : Late Payment on XX/XX/XXXX : The report indicates one late payment, but it conflicts with the statement " Status : Paid, Closed. '' If the account is closed and paid, there should not be a late payment associated with it. This inconsistency suggests inaccurate reporting of the payment history. 
According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy, completeness, and fairness of the information they report. Additionally, FCRA Section 611 ( a ) ( 5 ) states that if an item on a consumer 's credit report is inaccurate, incomplete, or can not be verified, it must be corrected or deleted. 
Based on the discrepancies outlined above and the provisions of the FCRA, I formally request that Experian delete the inaccurate information related to the XXXX XXXX XXXXXXXX XXXX Account from my credit report. It is crucial that my credit report accurately reflects my financial history to ensure fair and accurate credit assessments. 
Thank you for your attention to this matter. I expect a prompt resolution and the deletion of any inaccuracies on my Experian credit report related to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
Collections/closed XXXX XXXX XXXX US Department of Education US Department of Education
Product: Credit card or prepaid card

Barclays Credit card Company XX/XX/XXXX charge {$3500.00} XX/XX/XXXX Credit {$3500.00} XX/XX/XXXX charge XXXX XX/XX/XXXX. Credit XXXX I disputed these charges to the credit card company as well as wyndam. 

A compliant was filed and they agreed to credit my account for another {$3500.00} and {$1000.00} for all other payments received. 

On XX/XX/XXXX I receive the reimbursement. 

On XX/XX/XXXX they charged back the {$3500.00} and {$1000.00}. 

They have ruined my credit and refuse to readjust the amounts owed to me. Please help me.
Product: Credit reporting or other personal consumer reports

Barclays Bank Delaware Account XXXX Seems to be an unauthorized account on my consumer report that doesn't belong to me. I would like to remedy this situation by removing this account in totality from my consumer report as quickly as possible. This is affecting my chances to obtain future opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the following fraudulent items from my Credit File : XXXX XXXX XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

On XXXX, our bank account with B of A, was hacked for {$1000.00}. I filed a claim with bank. As of today XX/XX/2021, claim was denied, stated since account was nit maxed out and we had enough to cover transaction. This transaction happen doing our bed time over night. The company hacker was XXXX out of New York, we never heard of this company. Dont understand their investigation findings. Please help us.
Product: Credit reporting or other personal consumer reports

XXXX credit card, auto loan # XXXX and # XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after 2020. Remove late payments and charge off comment, against federal law Edit Delete
Product: Credit card

I was a visiting scholar 4 years ago in XXXX. I had a XXXX VISA Account and I closed it when I left XXXX in XX/XX/XXXX. This year, I came back to XXXX again. However, when I saw my credit report today, according to XXXX, I had a bad debt rating. I called XXXX CARD, they told me that I had a {$90.00} payment in XX/XX/XXXX. How could it happen with a closed account? If there was a pending payment, how could I have not been notified? And how could this account be closed?