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

This letter serves as a formal complaint regarding the reporting of inaccurate and incomplete credit information. 

I am troubled by the inclusion of the following information in my credit profile, as well as the lack of reasonable procedures in place to ensure the utmost accuracy in the credit reports you publish. Credit reporting laws mandate that bureaus only report completely accurate credit information. Therefore, it is crucial to thoroughly investigate the following information : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Please remove it from my credit report. 



XXXX. Validate Account XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX, XXXX. 

Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX CO, XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 


I kindly request to be provided with evidence of this alleged item, specifically the contract, note, or other document bearing my signature. 

If unable to provide such proof, I insist that the item be promptly removed from the report. The listed item is entirely inaccurate and incomplete, which constitutes a significant error in your reporting. Please delete this misleading information and provide corrected credit profiles to all creditors who have received copies within the last six months, or the last two years for employment purposes.

Additionally, please furnish the name, address, and phone number of each credit grantor or other subscriber.

According to federal law, you have a period of thirty ( 30 ) days to complete the re-investigation. Please note that I also request a description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days following the conclusion of the re-investigation.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Agreement was GreenSky ( GS ) would NOT pay the contractor, XXXX XXXX, until verification of completion of services. However, the job was never completed. The contractor disappeared mid-job ( I later found out that was shortly after GS paid the contractor in full ) until they received the letter from my lawyer of the lawsuit on breach of contract etc. 
We are currently in litigation with Contractor for breach of contract. We're trying to resolve this, but in the mean time GS is reporting delinquency and adding interest to the account. I have excellent track record of paying all jobs that I contracted for, such as the new roof job, done, then paid in full. Home generator installed per code, paid in full. This job with XXXX  is a disaster per experts. This wasn't even done per code and above all they stopped the work once GS paid them prematurely.
Product: Credit card

I have a PayPal Synchrony Bank Mastercard. My account info was compromised so I called and they immediately shut down my account and sent me a new card with a new card number. All was well. 

I logged into my online account and all my history is gone. I can only see transactions since I got the new card number. It's as if it's a brand new card, with none of my years of history. With the exception that it shows that my account balance from the prior card carried over. And, now my payment is due in 10 days - I pay it off each month, and the balance is not small this month. 

Problem is, the statement associated with that payment went out with the old card number, so I can't access it online - since all the old info is gone. I didn't get a hard copy of it, since I was signed up for online statements. I called and they said that I'd never be able to access the old card 's info online, but they could snail mail me old statements, which will arrive within 7-14 business days ( my payment is due in 10 days ). 

I asked them to expedite me the statement or to postpone my payment due date so that I could see what I was being charged for before I make the payment. This is particularly important to me since my card number had been compromised and I don't know if there may be fraudulent charges. They said they can not do either of these things. I spoke with a supervisor and their supervisor and still nothing. 

Two other bits of information : 1 ) Prior to being told today that I would never be able to see the old credit card transactions online, I had called two prior times over the past a week or so. On both of those calls, they told me that information would transfer over and I'd be able to see the old card statements/transactions online and just to give it a couple days. That is quite different than what I was told on today 's call, where I spoke with three different people. 
2 ) There is no way to contact this company electronically. You must call. And when calling, the automated system is awful. It can not understand my problem and it works very hard and takes up a lot of my time trying to avoid connecting me to a human.
Product: Checking or savings account

The company, MoneyLion is trying to say that I didn't pay an instacash repayment from XXXX WHEN MY MONEY WAS STOLEN. 

And took money from me unrightfully today and is trying to take more to " pay back '' something on my account I was never notified about, couldn't see on the app or website as an overdue balance until today, and regardless it is false. You can see clearly I paid back my instacash in XXXX for XXXX and XXXX and also paid everything in XXXX, XXXX, XXXX and in the current month And the app does not let you continue to use XXXX  until you pay back ALL you advances. 

This is predatory when I was a victim of theft and simply wanted my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not legally responsible for this account and do not owe LVNV any money. I received a dismissal with prejudice in the XXXX County Magistrate Court in reference to this matter that all issues are settled between myself and LVNV. This was filed with the court on XX/XX/2021. On XX/XX/XXXX, LVNV reported to all 3 credit bureaus that this was a past due collection obligation with a balance, which is false.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax several times this week. They have denied my request to remove this information off my collection.
Product: Credit card or prepaid card

I purchased a phone for my XXXX elderly mother. The price was {$200.00}. XXXX charged me {$290.00} plus tax. They owed me over {$90.00}. I filed a complaint with my credit card company and XXXX agreed to give me back only HALF the amount. This is illegal In addition, the phone was LOCKED. I spent 4 hours trying to activate it. I finally had to go to the store. They spent another 2 hours trying to activate it. They finally had to give me a replacement. They also gave me a gift card to partially compensate me for the extra 6 hours I had to spend due to their error. To my horror, they overcharged me {$96.00} in addition to sending my XXXX mother a phone that did not work. ( I had to also go to another state to deal with all this as my mother can not drive ) See attached. XXXX says the price of the phone is {$200.00} ( on sale, usually {$290.00} ). Instead of billing my credit card {$200.00}, I was charged {$330.00} ( see credit card statement ). I should have been charged {$240.00} I spoke to XXXX a Senior XXXX at CITI in kentucky. He refused to go back to XXXX for me to get my money even tho I provided the documentation that I was overcharged {$96.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

I received ppwk today from my payroll department who sat on my notification since XX/XX/2020 for Wage Garnishment started XX/XX/2020 for {$100.00} per pay period. 

This account is being collected by Immediate Credit Recovery , Inc. and this company has now almost tripled the amount that I am required to pay back. 

The loan was originally for right around {$11000.00}, but the 3rd party collection agency is now charging me {$36000.00}. I will repay the loan through wage garnishment, however, the interest I what I have an issue with and will not pay the interest. The original creditor is U.S. Department of Education XXXX. 

I do NOT want to deal with Immediate Credit Recovery , Inc., because they are too much of a hassle and want entirely too much information which is difficult for me to obtain and takes too much time to deal with as they call, constantly. 

I also never received anything in writing from them, before this notification, over the last year. I want someone from the Department of Education to deal with the collection agency and tell them that no interest will be paid to the agency, above what the actual amount of the loan, is. Immediate Credit Recovery , Inc.,  are RipOFFS! No ONE should have to pay that Much interest.
Product: Checking or savings account

On or about XX/XX/XXXX I deposited a check from the US Dept of Treasury to my TRUIST checking account via teller at Bank. TRUIST accepted the the check with exception that it will be placed on temporary hold due to recently opening account and this direct deposit was the initial first direct deposit. Funds were to be released no later than XX/XX/XXXX, with partial funds being released within 48 hrs of deposit. On or about XX/XX/XXXX, TRUIST bank put account into " Restricted pending further investigation '' status " Due to the nature of the deposit and deposit type ''. I was not able to access this account nor retrieve funds already in account and including the initial deposit I made. I've made multiple attempts to have TRUIST bank release the direct deposit and all other funds in account. But was told the funds was being " held in recovery account '' until verification can be made with IRS that they did award check to me and funds were valid and belong to me. After speaking to countless TRUIST fraud agents and getting multiple answers, a supervisor said to provide proof of ownership of the initial deposit. On or about XX/XX/XXXX I was told that the initial fraud investigation was over and that the proof I provided was not sufficient to release funds from the direct deposit, which TRUIST bank DID VERIFY THE FUNDS WERE RECEIVED VIA US Treasury Dept via IRS. As of today, XX/XX/XXXX, TRUIST bank refuses to release funds to me or answer any other questions or requests.
Product: Debt collection

We have not received any valid response from Specialized Loan Servicing LLC or XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Not In Its Individual Capacity But Soley as Trustee to our requests for Verification of Proof of Claim. SLS responded to our requests with incomplete and inaccurate information, provided a questionable Assignment of Deed of Trust recorded with XXXX XXXX XXXX XXXX XXXX by claiming to have Attorney-In-Fact status from XXXX XXXX  XXXX on XX/XX/XXXX as proof of claim to be the rightful owner or Holder in Due Course of our Promissory Note which we signed with XXXX on XX/XX/XXXX. 

We are troubled that potential fraudulent and deceptive practices by unscrupulous mortgage brokers/servicers in the sales and transfers of mortgage servicing rights may have occurred. We believe that photocopy of the documents is insufficient proof as it does not answer the question of who is the CURRENT rightful and lawful Holder In Due Course, nor claiming to be the the holder in due course as a statement is insufficient proof of status.
Product: Credit reporting

Please assist me in removing addresses that do not or did not belong to me. I have disputed this matter several times with Experian and they have not removed these inaccurate addresses from my credit file. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My concern with Zelles handling of money hits home for a lot of people, especially when you consider how easy it is to send money but how hard it can be to get it back if something goes wrong. Zelle lets you transfer money almost instantly, but unlike credit cards or XXXX, it doesnt offer any sort of protection if you make a mistake or fall for a scam. Once the money leaves your account, its gone, and thats what worries a lot of users. 

Imagine being tricked by someone pretending to be a trusted person or company, like a bank, and sending money to them thinking its legitonly to find out later that youve been scammed. Unfortunately, Zelle wont help you recover that money, and your bank might not either. The lack of a safety net leaves people feeling vulnerable, especially since the whole system works on trust and is difficult to undo once a transaction is made.
Product: Credit reporting or other personal consumer reports

My reports and documents are sent and enclose! I want deleted and remove immediately!! Before we take it to next level l! Incorrect information.
Product: Credit card

The company attempted to get us to purchase a XXXX XXXX we were not interested and left. Later I received a credit card from Barclays Bank Delaware causing damage to my credit.
Product: Checking or savings account

On XX/XX/XXXX, an unexpected online debit came out of the account, putting the 'pending ' balance just in the negative. That evening I went online and transferred CASH from my XXXX account and CASH from my linked savings account to cover it. The available balance was again in the positive. I checked again around XXXX and found the website down and it would not show transactions or balances. Tried again around XXXX and found a positive available balance reflecting the deposits. Next day, I checked again. PNC had withdrawn money from my savings account to cover a negative balance. They also failed to credit my account for the rest of the CASH I put in, and ran the pending transactions through prior to crediting the CASH deposits.The CASH deposit was put in pending status. Come to find out, my account was off the money they transferred from savings, then took out, then charged me FOUR overdraft fees totaling {$140.00}! This put my account even more in the negative. I called them three times, once at the local branch, and again at the national number. No help. Called again, and the national number associate said she understood, but there was nothing she could do. 

I've attached a screen shot of my account balance pulled up after my CASH deposits showing a positive available balance around XXXX that night. I went to bed thinking everything was ok!
Product: Credit reporting or other personal consumer reports

Can you please have Transunion update my address and remove all other addresses My address is currently XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I requested a retirement check from XXXX XXXX in the amount of {$2400.00}. On XX/XX/XXXX, after I still had not received the check, I called XXXX XXXX who said that according to their records the check was cashed via mobile deposit on XX/XX/XXXX. The provided me with an image of the check that was deposited which shows XXXX XXXX of XXXX XXXX, CA and his signature ( image is attached ). I also obtained an image of the check that was sent from XXXX XXXX ( also attached ) which shows my name and address. XXXX XXXX forged the check to show his information and deposited into a Bank of America account. I did not authorize this, nor do I have any relation with anyone named XXXX XXXX. 

Now, as of XX/XX/XXXX, XXXX XXXX is working with their bank, XXXX XXXX Bank, to recover my funds. But I think Bank of America should be responsible for recovering my funds because they allowed a doctored check to be deposited illegally. 

I'm also attaching a copy of the police report that I filed, if that's helpful.
Product: Student loan

RE : XXXX XXXX XXXX XXXX Discharge Dear Whom, it may concern, I am writing this letter because I received an email from the Department of Education regarding the Navient private loan settlement lawsuit. This lawsuit was related to the XXXX XXXX XXXX  XXXX XXXX. I want to see if you can help me with the proper process for discharging my request because it is unfair that I continue paying for XXXX XXXX  XXXX XXXX when they misled me during my journey there. I enrolled at XXXX in 2002 and had to sign a private loan when I did not have enough federal loans to cover that academic year at XXXX XXXX  XXXX XXXX. I was forced to cosign since my credit was terrible, and we signed up for one. Now my cosigner XXXX XXXX, and I am burdened with it. The School told me they would provide accessible interpreters for my XXXX. I believed them and enrolled in the school, taking up XXXX XXXX. A year later, there was a situation where several XXXX  students and I had a lawsuit against XXXX for not providing us access to interpreters and needs. They settled the case with us, and we received a little bit of money, and I could not return to school due to this matter. Years later, I am still paying for something that I could not complete at XXXX XXXX XXXX XXXX, and they have misled me into thinking I could have gotten my degree. 
I am writing this because it was unfair, and I was led to take out an unnecessary private loan I look forward to your help and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( XXXX  ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

Chase failed to disclose that there would be an additional lien on the title of {$42000.00} after paying a extended amount of payments over time of the span of XXXX  to XXXX. 
After XXXX paid each month for 30 years. Stii have to pay additional {$42000.00} to have clear title. 
Did not discover this information till I attempted To refinance the house. 
PREDATORY BEHAVIOR
Product: Debt collection

I received a XXXX XXXX from XXXX XXXX XXXX. They received payments from me totaling {$8000.00}. Approximately a year or more later someone at XXXX XXXX decided to change the amount of my XXXX to an egregious amount totaling {$88000.00}! Leaving me a " balance '' of {$75000.00}. 

This is 8,806 % of what Medicare pays! 

I have disputed this charge as unreasonable. I have repeatedly asked XXXX XXXX and the collection agency to prove that this charge is reasonable by showing me that other people pay this much money for a XXXX XXXX. 

Rather than verify the charges as " reasonable '', XXXX XXXX merely provides an outrageously high list of unverified charges that I never agreed to pay. These charges are clearly over-billed. No hospital in the nation receives this kind of reimbursement for a XXXX XXXX! 

The collection agency who took this debt upon themselves to collect has never verified this amount as reasonable, nor has XXXXXXXX XXXX. They merely continue to threaten me with this list of egregious and vague charges that no person in the United States ever pays for a XXXX XXXX. It is abuse of a patient without insurance.