23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute an account that has been reported on my credit report. This account is inaccurate, fraudulent, and continues to negatively impact my credit. Despite my efforts to resolve this issue directly, it remains unresolved. Therefore, I request an immediate investigation and the removal of this account from my credit report, as it does not reflect accurate or lawful information.

I believe the reporting and handling of this account violates several federal laws, including but not limited to : 1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing the consumer with the required disclosures and the opportunity to opt-out. In this case, there is no record of such disclosures or opt-out options being provided to me. The transfer and sharing of my personal information without consent or proper notification is a direct violation of this statute.

2. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports Under this statute, con
sumer reporting agencies may only furnish a consumer report when authorized by written instructions from the consumer to whom it relates. I have not provided written consent or instructions permitting this account to appear on my credit report. As such, its inclusion violates this section.

3. 18 U.S. Code 1028 - Fraud and Related Activity in Connection with Identification Documents The unauthorized use or transfer of my personal identifying information constitutes a form of identity theft. By transferring and reporting this information without lawful authority, the institution responsible is in direct violation of this code.

4. 18 U.S. Code 1028A - Aggravated Identity Theft The improper use of my personal information in connection with this account is a serious offense and demonstrates clear negligence or willful misconduct.

Additionally, I have repeatedly requested that this company provide documentation to verify their ownership of the account, such as the purchase agreement, as well as any signed documents or other proof that this account belongs to me. To date, I have not received any of the requested documentation, which further calls into question the validity of this account.

This collection account is being reported in error and must be removed immediately. I request that your agency conduct a thorough investigation of this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response regarding your findings. Should this issue remain unresolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies.

Thank you for your prompt attention to this urgent matter. Please provide confirmation of receipt of this dispute letter and keep me informed throughout the investigation process. I look forward to your swift resolution.
Product: Debt collection

I am a victim of identity theft and Im filing this complaint about a LOQBOX account ending in XXXX on my credit file resulting from the crime. Upon checking my credit reports due to denial of credit application, I was made aware of this debt that doesnt belong to me. A report has been filed with XXXX XXXX Police Department, who is in the process of finding the unknown perpetrators. I had my identification, social security card, and debit cards stolen several times which was documented by XXXX XXXX Police Department and XXXX XXXX XXXX Department, therefore I am still unsure who is responsible or how they committed the crime. I contacted Loqbox by phone, contact box on their website, and by mail to give notice about this issue, however the accounts have not been removed from my credit files.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items from my credit report. 

Equifax : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Product: Debt collection

Been calling Transfinancial no call back sent information asking them to verify the debt showing that I signed a contract with them when I know Ive never been to Transfinancial. I received a email saying the account will be removed from my credit report until a investigation is complete. No results yet from Transfinancial. I want this removed off my credit report. Been calling with no response from anyone and they leave me on hold a hour at a time. I only have gotten a email and the situation still hasnt been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding is still reporting a collection owed on my credit reports even though they agreed to delete the account fully in return for a 50 % settlement. On XX/XX/2020 LVNV received a certified letter including a settlement letter and check. The letter stated that in return for a settlement, LVNV will delete the account fully from my credit reports. A few days later the check was cashed. They have since recorded the settlement amount but failed to comply with the settlement agreement as stated. The account is still appearing and showing a balance owed on my credit reports where it should have been removed fully as per the agreement. I've contacted LVNV about this and they have told me to speak to Frontline as they are now representing LVNV on this debt. I spoke to XXXX at XXXX on XX/XX/2020 who informed me the check and the letter have been separated in error, and verbal agreed to delete the item. I have reviewed my credit reports today XX/XX/2020 and the account is still appearing and shows a balance.
Product: Credit reporting or other personal consumer reports

Despite my submission, I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Transition consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681 i,  which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & & 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. The accounts I have reported inaccurate are XXXX XXXX XXXX XXXX XXXX. these accounts are reporting payments were late, which they were never late, and also paid in full.
Product: Checking or savings account

A restriction was placed on my account over a year ago and I tried contacting the business several times and they werent helpful and only answer they been providing was that the account is under investigation untill a couple months ago I contacted them and they said the investigation has been completed and the account is being closed and any remaining fund in the account will be transferred to a external bank of my choice and they arviced someone will reach out to finish the proccess soon and help me transfer my money which is around {$6600.00}. Its been already a couple months and still no one has been reached out to me. i tried contacting them a few times but they just not being helpful and Im not sure what to do. I would like to request the business to contact me immediately and help me resolve the issue and transfer my money to my bank. It has been over a year already and any delay at this point is not acceptable.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along wsith my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am contacting you because I have found some information that is inaccurate on my Experian credit report. Experian is reporting a late payment on XX/XX/2020 on a XXXX  XXXX account, i called and sent letters to Experian on XX/XX/2020 -XX/XX/2020 they did not respond I was not late on XX/XX/2020. I request that they verify the information and update the payment history on this account as PAID, NEVER LATE immediately. But they have refused.
Product: Credit reporting or other personal consumer reports

I am writing regarding fraudulent accounts and information associated with my identity that appear on my credit report. I am a confirmed victim of identity theft and have already filed official reports documenting this crime. These unauthorized entries were added without my knowledge or consent. 

The presence of this fraudulent information has : - Severely damaged my financial standing - Harmed my personal reputation - Caused significant emotional distress - Created ongoing financial hardship
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00}XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX  to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX or the credit reporting agencies.
Product: Mortgage

Freedom Mortgage bought my loan from the previous loan servicing company in XX/XX/XXXX. Since then, Freedom mortgage has been collecting payments from me that includes costs for home insurance and property taxes towards my escrow account. On XX/XX/XXXX Freedom mortgage debited {$1000.00} to hazard insurance but my home insurance company has no receipt of payment. Ive had to pay out of pocket to my home insurance company- XXXX- to ensure that my home insurance is paid. I received no notice of any change of home insurance and no correspondence from any other home insurance company. Freedom mortgage essentially stole that money from me and did not comply with paying my home insurance company. They also did the same thing with funds in my escrow account for my property taxes. They debited my account {$6700.00} on XX/XX/XXXX supposedly for my tax property bill. The county of Alameda has no record of receiving payment from Freedom Mortgage. The taxes are due on XX/XX/XXXX and if they are delinquent I will incur hefty percentage fines. The fact that Freedom Mortgage took those funds from my escrow account and have not paid either of those bills has put me into a financial hardship. They have stolen from me and made me have to pay for bills that were supposed to be paid from my escrow account.
Product: Credit reporting or other personal consumer reports

Experian, keeps reporting an address that doesnt belong to me. Ive sent numerous letters to them with my current address. Attached is my utility bill in my name with my current address.
Product: Checking or savings account

Your Bank is a third class bank, it is very hard to reach customer service and once you reach it, they keep on transferring you from one department to another, and each department wants to verify your account, US Bank used to be a very good bank, but lately its customer service has become horrendous. 

I've already sued you in the court, and I've already transferred my money to another account, right now my account balance is XXXX
Product: Checking or savings account

Capital One got hacked or whatever and won't give me my bank deposit from my job. I have bills that automatically come through that are being rejected, I have other bills that I need to pay, I need to feed my kids, and I can't do anything because I have no money in my accounts. Capital One gives the same XXXX answer of " We're working on it '' but that's been for 2 days. There's no answers and no help.
Product: Debt collection

In XX/XX/2013, I was unemployed XXXX  seeking assistance to find XXXX XXXX XXXX. I found a company online called XXXX XXXX. I submitted information and spoke to a representative, who stated that they worked with assisting executives with finding positions and would guarantee that they could find me a position in 13 weeks. They asked for {$630.00} upfront, which I paid and a copy of my resume. They had me complete a detailed survey online and then a " coach '' called me. I was then sent the contract for 6 additional payments of XXXX to begin in XXXX but was told that if I did not have results in the 13 weeks that I could cancel. I would lose my deposit but no further obligation. I received my resume back " prettied up '' but with numerous spelling and grammatical errors that also changed the core of my experience in several instances ; with cover letters and envelopes addressed to CEOs of 12 companies. I was told to mail these and follow up asking for an appointment to see if they would see me and possibly have a 'spot '' for me. This was not what I was promised when I spoke with the sales rep on the first couple of calls. I told them this. I did however, do what they asked and never got to speak with anyone at any company. I asked XXXX to discontinue my service. They said I had to do it online. I sent email but once I started being contacted by collection was told there was a special form I should have filled out. I reported there activity to SC Attorney General as Internet Fraud. They have since been hurting my credit score and compounding interest to this account and calling my phone constantly
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with FCRA regarding wells Fargo and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached XXXX report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty
Product: Vehicle loan or lease

The {$550.00} XXXX settlement would resolve a probe by 34 state attorneys general into allegations that Santander issues unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX XXXX XXXX 15 U.S.C. 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 an account without my written instructions. 15 U.S.C. 1681 C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had created a online savings account with Marcus by goldman sachs. I had transferred my money from another bank to this account in 4 transactions on 2 days ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The transactions were successful and the money had transferred. After that, when I checked my app, I was unable to access it. The page said that my account was temporarily suspended and they had asked me to contact the customer care center. I called them up, they asked me for my details and told me that they couldn't verify me with my cell phone number or driving license. Then every time I call them up, they tell me that they can not verify me and hence, can not unlock the account. After following up multiple times, they told me that they will be sending a affidavit of identity to the registered address which needs to be filled, notarized and sent back to them. I had finished this process and the paperwork had reached them on XXXX XXXX XXXX. I have called them again after that and they told me to wait for 10 days for the processing of the paperwork and review of the case. I kept following up with them but they keep telling me to wait even longer. It's been well over a month and a half, and I still do not have access to my account. I have not received any explanation as to why my account was locked in the first place and when it will get unlocked. I told them to revert the money back to the original bank account and they refused. Each time I call them, they put me on hold for more than XXXX mins only to say that they can not unlock the account.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : 1 ) XX/XX/XXXX inquiry XXXX/XXXX/2024 2 ) XXXX XXXX XX/XX/year>2024 3 )XX/XX/XXXX Inquiry XXXX/XXXX/2024XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ) XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX Inquiry XX/XX/year>2024 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX - INQUIRY XXXX/XXXX/2024XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXXXX/XX/XXXX INQUIRY XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX INQUIRY XX/XX/scrub>/2024 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXX/XX/XXXX INQUIRY XXXX/XXXX/2024XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, MI XXXX XXXXXX/XX/XXXX INQUIRY XX/XX/scrub>/2024 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXXINQUIRY XX/XX/scrub>/2024 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX INQUIRY INQUIRY XX/XX/year>XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I have an account with paypal for like nearly 10 years. Last XX/XX/XXXX I received an email from permanently limited for a potential risk. Which I am confused why would my account be a potential risk that the account doesnt have any transactions for the past 8 months. I called paypal 3 days ago to allow me to withdraw the funds for $ XXXX as their is no potential chargeback or whatsoever as their no transactions for the past 180 days. The customer service responded that it is their system that they hold the funds for 180 days even if is no transactions for like 8 months. How that abide their rules or policy stating on their email that they hold funds for 180 days for potential chargebacks which I do not have any payment received for the past 8 months. This is not fair holding the funds for 180 days without any valid reasons, it is just because their system default for holding 180 days even if their is no potential risk of having a financial recovery as the account doesnt received any payments for the past 8 months ( last transaction XXXX for {$78.00}. 

My paypal email is XXXX Reference ID : XXXX