23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i called Browns Collection Agency at XXXX i requested validation of these accounts showing where I received this type of service and they have not yet provided them I disputed these items with the credit bureaus and it has been over 60 days and still no response Browns Collections have threaten me to take me to jail if I don't pay these account all i ask them to do is to verified my accounts i want to know what services were provided i want a copy of the original contract with my wet signature and authorization for them to release my medical information I have an understanding that if they cant verify the debt it has to be removed from my credit report they keep sending threats of reporting these accounts to the credit report agencies acct # XXXX {$3100.00} acct # XXXX {$31000.00} acct # XXXX {$3000.00} balance on credit report shows incorrectly acct # XXXX {$500.00} acct # XXXX {$500.00} acct # XXXX {$720.00} acct # XXXX {$56.00} acct # XXXX {$77.00}
Product: Debt collection

In XX/XX/2021 I checked my account and saw no payment due ( no photo available ). I was then dunned by telephone for the amount of {$83.00}. On XX/XX/2021 I again checked my account, which showed no payment due ( photo attached ). On XX/XX/XXXX I was again dunned by telephone for a past due amount of {$220.00}. 

In discussion with a supervisor named XXXX he stated that the online info is of no value, and that I need to go by the pdf file sent to me or available online. Any other info is meaningless.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reconsideration of Application Denial ( No. XXXX ) I am writing to request that you reconsider the denial of my application ( No. XXXX ). During the process, I provided my Social Security number, which allowed access to my trust and related data. However, laws protect individuals from being required to disclose their Social Security number unless legally necessary. 

If the denial was based on information accessed through my Social Security number, this may not comply with those protections. I ask that you review this matter and reconsider my application for approval. 

Thank you for your prompt attention.
Product: Checking or savings account

Dear Sir or Madam, There was a fraudulent XXXX Transaction from my checking account ( Chase ). 
XX/XX/2022 XXXX payment to XXXX XXXX XXXX XXXX debit - {$2000.00} XX/XX/2022 Completed XXXX XXXX Real-time Open information dialog : In network : Real-time transaction Hide details, hides content below {$2000.00} Checkmark : We sent money from TOTAL CHECKING ( ... XXXX ). 

Mobile XXXX Transaction XXXXXXXX I contacted Chase and they are insisting that I authorized it. I never authorized it. Called Chase as soon as I saw it on my account ( within a few hours ). 
Chase has no intention to investigate the case and make sure it never happens again and they are not willing to refund XXXX back to my account. I offered to provide with the printout from my phone carrier which will be a proof that I never authorized the transaction. They denied. I have not received any papers from them stating the investigation took place. They refuse to talk to me, reopen the claim or transfer me to a legal department. When you XXXX the phone number from the transaction it clearly says it belongs to robocall, which in my opinion is good enough reason to accept it was fraudulent transaction. I do not have this recipient when I log into Chase either.
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove ASAP.
Product: Credit reporting or other personal consumer reports

Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

For example : Child support
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported 2 credit card accounts but failed to validate the debt. I asked for original creditor 's information and how the debt was obtained including how much they paid for the debt. 

It's possible that I had credit card insurance to cover the balance that was provided the my original creditors. 

I am also a subscriber of the free version of the Experian app and it seems XXXX XXXX XXXX data has not be updated. 

For example, it's still showing that I owe over XXXX XXXX XXXX XXXX XXXX  but my loans were cancelled last year
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE TO APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " XXXX XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. ALLY FINANCIAL ON XX/XX/2021 XXXX. XXXX HILLS XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 ' XXXX. XXXX XXXX XXXX ON XX/XX/2021
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Several times through my time with cash app I have had transactions and withdrawals thats wasnt me that did it and they have never helped me and closed the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX to get my XXXX XXXX Card Services ( Visa account ) added to my Trans Union Credit Report. Both XXXX  and XXXX have included it correctly on their reports. In fact, their entire reports are correct. I have 3 letters from XXXX XXXX  showing that they have contacted Trans Union regarding this matter. NOTHING EVER HAPPENS! Year after year I request a new report and Trans Union sends one. However, My XXXX 's account is NEVER ADDED. Trans Union is also missing my XXXX XXXX XXXX XXXX XXXX account. I have not taken up that issue, since the problem has been going on since only XXXX. If I can't get the XXXX XXXX account corrected in eight ( 8 ) years, what chance do I have in getting a somewhat more complicated ( more paperwork needed ) issue completed in a mere four ( 4 ) years. I'm almost XXXX years old. I back-off from this issue every so often because I lose faith in the hope of actually getting it completed. My scores are fine, but I'd like the agencies to ALL reflect my accounts accurately. Is that too much to expect? Please tell me what I can do about this issue. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with XXXX Bank. I am usually very punctual with my payments. However, during the pandemic lockdown, we were forced to make some very difficult decisions for our finances, resulting in four late payments. This organization placed four negative marks on my credit because of these late payments. I recently contacted them to ask if they had any pandemic forgiveness programs to have these removed. They claimed that they sent me a notice during the pandemic that would have helped my situation, but there is nothing they can do now. According to them, I am stuck with these negative marks on my credit.
Product: Credit reporting or other personal consumer reports

Amount : {$25000.00}. 
Please see attached for proof of claim.

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Deletion of Unverifiable Accounts Dear Experian, XXXX, and XXXX, I am writing to formally request the removal of XXXX XXXX XXXX XXXX accounts for {$510.00} and {$3900.00} from my credit reports with your agencies. These accounts were recently disputed and investigated on my XXXX credit report, where they were deemed unverifiable and subsequently deleted as of XX/XX/XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), a consumer has the right to dispute inaccurate or unverifiable information on their credit report. Once XXXX deleted the accounts after completing their investigation, it is clear that these accounts could not be verified. As such, in accordance with the FCRA 611 ( a ) ( 5 ) ( A ), you are also required to remove unverifiable accounts from my credit file. 

Additionally, under FCRA 623 ( b ), furnishers of information must ensure the accuracy and integrity of data they report to credit reporting agencies. Since XXXX has confirmed the deletion of these accounts, they are legally obligated to report the updated information to all other credit reporting agencies. Failing to remove unverifiable accounts from my credit file would constitute a violation of my rights under the FCRA. 

I am requesting that these unverifiable accounts be deleted from my credit file within XXXX days or less of receiving this letter. Should these accounts not be removed within the requested timeframe, I am prepared to exercise my rights under FCRA 616 and 617, which allow for civil action against non-compliant credit reporting agencies for damages resulting from willful or negligent noncompliance. 

I have attached supporting documentation, including proof of the XXXX investigation and deletion of these accounts. I strongly encourage you to review this matter promptly and ensure compliance with federal laws. 

Please send me written confirmation of the deletion of these accounts or provide an explanation as to why these unverifiable accounts remain on my credit file. You can contact me via phone at XXXX, email at XXXX, or by mail at the address provided above. 

Thank you for your immediate attention to this matter. 

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

XXXX I had a XXXX  credit card over 10 years ago it has recently reappear on my credit report under XXXX XXXX  This account was resolved over 10 years ago. Now this creditor is alleging that I owe them the money and put the debt on my credit report as a recent debit. I have never hear of this creditor and it has ruined my score. Experian has deemed this as accurate. The statue has long exhausted on this debt. XXXX does not even have information they can provide me on the account it is too old. This was removed off my credit report years ago.
Product: Credit reporting or other personal consumer reports

I have recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, as I was getting ready for my wedding, I received a call from a number that came up Chase on caller ID. I answered it and a lady told me that she was from Chase. Presented me with her " credentials '' and claimed that someone gained access to my bank account and was sending money through XXXX. The lady had my full name, address and Social security number. Being it was my wedding I wanted to get this straightened up since I was leaving for my Honeymoon the next day. The lady walked me through the process of unenrolling from XXXX. I filled out my name and number and all that. By the end of the call the lady drained my bank account to XXXX. I had a lot on my mind so I was just trying to get this taken care of. After I realized what happened I called Chase immediately and filed a claim with them. They said the investigation would take up to ten business day, no credit or anything from Chase. The ten days went by and I have yet to see the money from Chase. So I called on the XX/XX/21 which was the XXXX business day and after waiting on hold for an hour and being transferred around a couple of times they told me that they denied the claim. I didn't agree with this so I asked to talk to an account manager. I went through the whole thing again that I explained to them two weeks prior and she told me that they filed the claim as Fraud and not as a scam. They resubmitted the claim on XX/XX/21 and it was another ten business day wait. I called on the XXXX day ( XX/XX/21 ) just to get an update and the guy on the phone said that XXXX was going to send the money back by the XX/XX/XXXX. That day came and went so I called Chase on the XXXX business day ( XX/XX/21 ) to see what was going on and they told me that the claim was denied and the only thing they could do was suspend the XXXX user that my {$1000.00} went to but I would not be getting reimbursed for anything. It has been a month since this happened and I haven't gotten a XX/XX/XXXX back from chase.
Product: Mortgage

As executor of the estate of my deceased mother, her home was sold and closing disclosure dated XX/XX/XXXX with a closing date of XXXX Title company handling was XXXX XXXX XXXX XXXX The following month I received notices of " corrected '' tax statements from the XXXX XXXX tax office and the XXXX XXXX XXXX XXXX 's office requesting additional funding for the previous year XXXX tax bill. 

I requested an explanation from the title company. Their response sounded like they blamed the taxing entities, stating " It looks like they took off the over 65 exemption off of there. We collected and paid what showed on our tax cert we sent off of and a copy of the check we sent it. What is left will need to be paid by you out of the estate. '' Now their insurance company XXXX XXXX XXXX XXXX XXXX is demanding reimbursement for what they described as " due to the retroactive removal of the Homestead and Over 65 Tax Exemptions. '' I contacted the tax offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , as well as second opinions from the Tarrant Appraisal District, another title company and a couple of realtors. Unanimously they all agreed with the statement from the office of XXXX XXXX XXXX , that " the title company did not perform due diligence. '' It is confusing that a title company would not anticipate the retroactive tax bills as that is one of the things they are paid to research. The assets of the estate have been disbursed and there are no funds to pay for this error.
Product: Checking or savings account

On XX/XX/XXXX, I noticed over 30 unauthorized charges on my checking account equating to a little under {$1500.00} ( exact transactions are laid out in attached documents ). All charges occurred from XXXX and were all for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had the card in my possession, but did not complete these charges. I cancelled my card and filed a claim with Chase. After XXXX weeks, Chase denied my claim. I received the attached claim denial. I called twice for more detailed information and, both times, the representatives stated that because I had the physical card in my possession and my PIN was used ( which is not possible or accurate because a PIN is not required for XXXX transactions, nor any online transaction ), I can not prove that someone else completed these transactions. I went into my local Chase Bank in hopes of receiving more support. I was instructed to gather supporting documentation as my last ditch effort in reopening this claim. I reached out to XXXX twice in the month of XXXX, sending the screenshots of the charges and asking them to provide me with details about the trips associated with the transactions using my card. My hope was to receive this information and present my alibi at the time of these various charges to Chase. XXXX has given me no response and I'm unable to located a support phone number to call. On XX/XX/XXXX, I filed a police report with my local police department. On XX/XX/XXXX, Chase did approve XXXX of the claims for a total of {$100.00} which were only the XXXX XXXX transactions. I was not provided with more information about why these claims were approved while the others were denied, outside of the brief statement in the claim approval/denials attached. Moreover, when I called Chase to " request the information [ they ] used for their research '' ( as stated in the Chase denied claim document ), they only sent me the claim statement in the mail on Thursday, XX/XX/XXXX, with a brief description ( attached ) of the reason for denial : " Your claim was denied based upon a review of account activity ''. I can provide proof as necessary of my XXXX account transactions which shows I never spend nearly that amount on XXXX in a short amount of time.