23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I bought a crystal table from an exhibitor at Sam 's store in XXXX, XXXX XXXX, through Sam 's Credit Card. When XXXX invoice arrived, Iwent to the Store and paid cash full amount. At this moment, 10 years later, the Store still charges me.
Product: Credit reporting or other personal consumer reports

I was stunned to find incorrect accounts on my credit report this evening with absolutely no idea why they were there. I regularly check my report, and this time, there were unexpected discrepancies that completely threw me off. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. Because of this, Im requesting that my documents be thoroughly reviewed to prevent this kind of worry in the future.
Product: Money transfer, virtual currency, or money service

Cash app took approximately {$85.00} from me. It was under my account in my name and when I went to use this money, it wasnt there after 24 hours. It was telling me that Cash app had took it for a fraud reason and then they took my account, but everything in my account was up-to-date so I had contacted them to ask them why my account was disabled and why my money that I had added from my bank account was stuck, and I was never given a response
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 



Sincerely, XXXX XXXX
Product: Checking or savings account

Overdraft that caused my accounts to be charged and automatically deducted from my account.
Product: Checking or savings account

On Friday, XX/XX/22, I deposited a payroll check using Discover Banks mobile app. The check is a local county government check drawn on XXXX XXXX government services division on behalf of the XXXX XXXX XXXX XXXX XXXX. Upon depositing the check, I was notified that the funds would not be released until XX/XX/XXXX, a 10-day hold. The customer service reps I spoke with could not do anything about the hold. 

It is my understanding that banks should not hold a deposit of a government check no longer than 2 business days, which would fall on XX/XX/XXXX. Furthermore, I am not a new customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check to XXXX to pay balance was dated and sent XXXX XXXX. Payment was due on XXXX. The payment was written from my Title company directly to XXXX so I could not deposit and pay online, I had to send the check to XXXX which I did same day XXXX dot not credit my account until XX/XX/XXXX and they sent information to the credit bureaus reporting me 30 days past due, which I was not
Product: Credit reporting or other personal consumer reports

On or before XX/XX/2023 a Certified Mailed was sent to LexisNexi, a request of proof of copy, signed documents related to Bankruptcy on my credit report. 

As of time LexisNexis unable to provide substantiation; Failed to provide signed documentation of the said Bankruptcy. 
Failed to provide a copy of bankruptcy petition filed with the court. 
Failed to provide proof of filing document, such as stamped document.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my report that are a result of identity theft these are not related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to display fraudulent information about me. I've tried to remedy this with them in the past, but to no avail. I could care less, about a credit score, being that I am a human being and not a tool for commerce. a set of numbers do not define this human being and never will, so therefore, it is my demand that TransUnion abruptly stop, sharing/reporting my personal information, without my written consent and as far as I'm concerned, they will never have my written consent to report private and personal information about this Consumer. TransUnion has illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB, for protecting his Personal, Family and Household.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX XXXX XXXX XXXX information on my LexisNexis credit profile i have sent them a police report, ftc report and a copy of the letter from the XXXX XXXX XXXX XXXX
Product: Credit card

I am requesting that Synchrony Bank provide me with the signed authorization to apply the charge of {$2300.00} to my card. I have already disputed the amount but because this charge was not with my original contract in XXXX and was a charge I never authorized I requested that they remove it but to date, they haven't removed it nor provided me with any type of authorization. Instead, they closed their inquiry and prevented me from commenting or disputing anything on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial placed a hard inquiry on my credit report without my authorization. I reached out to OneMain Financial and they were able to provide me with the creditor requesting my information, Even Financial, as well as the contact info XXXX. I contacted Even Financial and someone did in fact use my personal information to try and obtain a loan. I let them know I was not the one who made this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. and XXXX XXXX.

are both out of line. I've already submitted a complaint about XXXX.

EXPERIAN has false creditors on my credit and even though i have disputed it along with the phone XXXX XXXX  address they had marked on my report they still allowed those false claims to remain.

Its not judicious for them to have everyone with a high score so they add, create, or keep things that shouldn't be there so the rating will drop.

Its all about ( shekels ) commerce. I command them to delete these erroneous things and make peace.

I'm one of the few who monitors my report.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX  failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XXXX/XXXX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting or other personal consumer reports

Equifax has violated numerous unauthorized accounts under Federal Credit Reporting Act, Federal Department Collection Protection Act. This agency aloud companies to furnish detail information without thorough investigating. Which cause bias, discrimination and punitive damages to myself for future purchases ; ( House or Commercial Property etc ) Thee miscellaneous violations, revolved around Fraud and Unauthorized accounts ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Violations 15USC1681b ( 2 ) 15USC1681 ( q ) 15USC1681c-2 15USC1666b 15USC1637 ( b ) 15USC1681s-2 15USC1681i 12CFR1006.34 12CFR1006.6C 15USC1681e ( b ) 15USCs- ( A ) 12CFR1026.13 15USC1692g 15USC1692e 15USC1692f 15USC1692c 15USC1635 15USC1601 15USC1602j 15USC1601i 15USC1601 ( p ) 15USC6802 Thanks for your time. Yours Truly XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SEction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

on XX/XX/XXXX, I disputed an unauthorized charge through Bank of America credit card online service, instead of taking action immediately every time I called, they were misleading me on the matter and until XX/XX/XXXX the amount finally disputed but after a week, they took the credit amount back because of statement doesn't reflect what is happening. It is all because Bank of America fraud Department still don't know which account they have to look and investigate.
Product: Mortgage

We received a notice that our monthly mortgage payment would increase by {$100.00} in XX/XX/2017 due to escrow balance being short. This is not the first time that we have received a notice like this. FNB noted in the documents that we could either pay the entire shortage of {$1700.00} or our monthly payment would increase by the {$100.00}. We are already stretched to the limit. The increase in payments happened as well when we had our mortgage with XXXX ( purchased by FNB ). Our original payment with XXXX ( purchased by FNB ) went to {$1600.00} per month. I went to XXXX and we modified through HARP program. Two years later we modified due to hardship as we fell behind because my husband loss his job. Our modified loan has a 40 year term and the interest rate is lower but our term is stretched longer with a still high payment. I will be XXXX when it is paid off. FNB gave us two weeks to sign papers and get them back or the alternative was immediate foreclosure. I was never sent a copy of the paperwork. This latest notice is just the icing on the cake. We are still struggling.
Product: Debt collection

For the last few years, I have noticed an account being reported to the major credit bureaus, like  XXXX  and  XXXX   XXXX , regarding an amount that  Trident Asset Management is   collecting. Apparently it bought a debt  XXXX  it claims I owe, in the amount of {$1600.00}.   Some years ago, when the account was still with  XXXX , I found it showing on my credit report. I had disputed it, explaining I had returned all the leased equipment when I discontinued service. It was removed from my credit. I have disputed this debt multiple times with  Trident  and it remains unchanged.   When the account was reported by  XXXX  years ago, it showed a delinquency date of  XXXX    XXXX  . When I look at my credit report and compare what  Trident  has reported, I see that Trident has re-aged the debt and now reports it as   XXXX   XXXX    , six months later than that reported by  XXXX . The re-aging of this account will invariably result in it remaining on my credit even longer, doing further damage with the wholly inaccurate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of inquires on my credit report that i did not authorize ( car dealerships ) .I tried to contact the credit bureau about these changes an the refuse to help me!!
Product: Money transfer, virtual currency, or money service

There are several unauthorized transactions from Paypal which include amounts of XXXX and XXXX on XX/XX/XXXX to a XXXX, a third transaction in the amount of XXXX on XX/XX/XXXX to an XXXX XXXX. These were were all reported to Paypal, nothing provided to me showing what these charges are for, Paypal reps were unable to find any information as to what product/service these items are for. A rep I spoke with yesterday was unable to find out what product or service the payment, XXXX, is for. He even stated it is suspicious there is no product listed on transactions. I do not know the person ( s ) whom funds were sent to and did not receive anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX sent a letter stating the item would be deleted from my credit report. The item still remains and Trans Union keeps stating the item is verified. How are they verifying an item that should be removed as per the creditor. I am requesting this item be removed asap. Seeing as how as a result of my letter requesting validation, XXXX was unable to validate and lettered addressing removal. Trans union should not be marking this item as verified. Please see letter and credit report attached that shows they are still stating this item is verified.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WH THE FORA THIS CREDITOR XXXX XXXX XXXX  XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE. 

15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Credit card or prepaid card

I worked with XXXX XXXX XXXX XXXX to settle my XXXX credit card. They told me the account was in a precharge off status and they offered me a settlement of {$780.00} due on or before XX/XX/XXXX. They said if I don't make the payment or if the payment is late then the credit card would charge off. I made the payment on XX/XX/XXXX for {$780.00} over the phone with my routing and account number. They said they would update XXXX so XXXX can update the credit bureaus. XXXX   updated my report saying that i made " payment after charge off/collection settled - less than the full balance ''. I was confused so I called XXXX XXXX at XXXX XXXX XXXX XXXX who is a collection supervisor, I explained that I settled the account with them and I asked him if the account was charged off when I settled it. He said no it was definitely not charged off and his company updated XXXX   that it had been settled, he told me I would have to contact XXXX  because they are the ones that update the credit bureaus. I called XXXX  and explained the situation. I talked to a couple representatives, one said that because I settled the account that means it was charged off and that is why it reflects that way, which is completely inaccurate information, she claimed she would put in my dispute. I talked to another person at XXXX right after that and she said she wasn't sure why it would update like that on the credit report, and proceeded to say it was probably an error in timing and when XXXX XXXX XXXX updated XXXX, she said she would put in a dispute. She then proceeded to give me the phone numbers for the 3 different credit bureaus and said to have them call XXXX to confirm the way that the account should be reflecting, that it was settled, not charged off. She also asked for my permission to speak with anyone from the three credit bureaus about my account, which I gave them permission to do. I called one of the credit bureaus and waited on hold for an hour, and when I got a live voice on the phone I told them what XXXX told me and asked them to call XXXX to verify how my account should be reflecting on my credit report - they refused to do that saying they don't make calls to creditors. I've wasted hours of time trying to get this resolved and still don't have an accurate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont believe that two accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Also, I am requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.