23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : UNKNOWXXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiry by Your Company on my Credit Reports While checking my personal credit report, which I acquired from [ XXXX XXXX XXXX XXXX / SUNRISE CREDIT SERVICES ], I noticed an inquiry made by your company. 
I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either email me a copy of my signed authorization form that gave you the right to view my
credit within five ( 5 ) business days so that I can verify its validity.

If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records.

Please send me a written confirmation that you have complied with my requests.

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Debt collection

Hello I recently filed a complaint against the credit bureaus because my personal information was wrong, since it contained names and addresses that did not belong to me. Recently already removed this false and misinformation. What it hasn't removed is this collection account that PortFolio Recovery is reporting to me that it doesn't belong to me. I have no knowledge of where that debt comes from. A month ago I sent a debt validation letter and to date I have received no response. 

I want you to send me all the evidence or remove it from my credit report since this account is preventing me from having the credit approval that I want.
Product: Credit reporting or other personal consumer reports

I have printed out my credit report and realized that there is collections or inquiries on it that I have no knowledge of and incorrect inquiries on my report from multiple sources. Please have these accounts removed immediately.
Product: Credit card or prepaid card

I have tried to contact PayPal twice, and Im getting no answers as to why my credit and balance owed do not add up, showing I owe more on the credit card then I should, and there are two charges that were charged twice for the same charge. Representatives appear to not know how to resolve the problem or able to see what the problem is. Im unable to resolve this with the company, I want to get out of using PayPal. I am trying to pay off the card so I can close it but they still show amounts oh that dont make sense.
Product: Credit reporting or other personal consumer reports

This is inaccurate reporting, XXXX XXXX XXXX
Product: Debt collection

Lived in XXXX  housing given to my former wife being XXXX XXXX XXXX XXXX. till we were wrongfully evicted on XX/XX/2015 leaving XXXX XXXX service member and her family homeless on XXXX and essentially the rest of her XXXX  period. Tried to work with company to clear things up and work with them beforehand yet they were very rude and unwilling to even attempt to be human. After eviction, the stress aided in separation of wife and I which led to divorce. After this I heard nothing more about any debts owed or collections being taken until i started checking my credit report recently. So, in short, I sum it up in two bullet points 1. Wrongful eviction so anything needing fixed or replaced would have at actual end of lease which means debt owed is on them not us.

2. The paperwork Ive seen all says the past wifes name, not mine.. I have received no mail, email, paperwork, or even phone call about it.. so I take 0 responsibility for this account.
Product: Debt collection

For last 10 years I have received calls about a debt with kay jewelers that I never owed and was fraudulent after Kay jewelers sold debt to a collection agency over the last decade I have been contacted by multiple collection agencies trying to collect the fraudulent debt repeatedly I ask all agencies to verify proof of debt as I never nor will I ever shop at Kay jewelers and as expected no response from any to verify debt and no return call till another agency who has purchased the claim contacts me as of XX/XX/2019 I received a letter stating notice of bank levy from XXXX XXXX XXXX XXXX but was never sent any correspondence to allow a defense against a bank levy for a fraudulent debt the letter contained my name and social which is scary to know companies like this have it now thanks to original fraudulent creditor Kay jewelers I tried contacting XXXX XXXX XXXX XXXX to discuss bank levy mailer and only got a voicemail box to leave name and number left multiple message over last 30 days with no response tried to look up company online and couldnt find anything about this XXXX XXXX, CA XXXX based company XXXX XXXX XXXX XXXX I am tired of the constant harassment and uncertainty this matter has had me endure and would like to come to resolution as at this point I feel violated by the continuous attempts by debt collectors to collect this fraudulent debt that still to this date a decade later has not been verified by anyone or resolved and it has continued to be passed along from companies who tried to collect debt but sold debt once realizing that wouldnt be able to verify it for me being it is fraudulent debt owed
Product: Money transfer, virtual currency, or money service

Hello XXXX XXXX, My name is XXXX XXXX and I recently opened a citibank account online and transferred money into it from my local bank. I decided to purchase a home and initiated transfer yesterday ( XX/XX/22 ) for {$170000.00} minus the {$17.00} fee to a local title company. Today, my real estate agent texted me that the wire never arrived and when I called citibank customer service, I was hung up on twice and the third time she basically said that my account was blocked by fraud department and in the process of being closed. In the meantime, however, the title company has not received the funds for me the purchase the home and I need some answers. I have called FDIC, the office of the comp troller of currency and obviously they can not tell me where my money currently is. Please please help me. 
Can I please have some answers ASAP. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Starting XX/XX/XXXX until XX/XX/XXXX citizens bank has been calling my cell phone on an automated dialing system after they are closed and leaving multiple messages. The first call will end and an immediate second call will be received. Both attempts leave a voicemail. I called the bank on XX/XX/XXXX and asked for a supervisor to discuss their dialer methods. I as at first asked why I would need one then finally transferred. At no point was I given mini Miranda or fully verified and account information was given to me twice. They said they would escalate and I would receive a call even though the multiple calls were the issue. Did not seem to know what cfpb or occ was.
Product: Mortgage

In XX/XX/2015 I refinanced my VA mortgage with XXXX and they issued payoff to Loan Care for existing loan of {$260000.00} and has never issued a mortgage lien release on my property. I am now is process of doing a bridge loan to purchase another property and requirement from XXXX is a release of the mortgage with LoanCare. I have tried many times to obtain such a lien release and have been told by all parties I spoke to that release was forthcoming. However, to this date I have not received any release of mortgage which has delayed my closing on new property for more than a week. Still do n't have release and can not close without document. 
I am now in jeopardy of losing earnest money in addition serval appraisals costs to this point. Any help would be greatly appreciated.
Product: Debt collection

I have no idea who Credit Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Credit Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have sent a request to Credit Management and demanded a CERTIFICATE OF ASSESSMENT and other information, but they have chosen not to reply. I sent a request to Credit Management via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Credit Management as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Credit Management } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Credit Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency XXXX CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Debt collection

XXXX has turned me over to a debt collector ( Convergent ) for equipment charges from when we lived in XXXX. We moved from XXXX to XXXX at the end of XXXX, XX/XX/XXXX and have not heard anything from them until we got a letter from Convergent on XXXX XXXX, XX/XX/XXXX. Our mail was forwarded for a year after moving and we had been on paperless billing and auto bank withdrawal for our monthly charges. We never received a bill in the mail and never got any emails from XXXX after moving. 

After 2 weeks of trying to resolve this with XXXX, they say we owe {$130.00} for equipment that they say we did not return. Before we moved, we DID return our equipment and had a receipt which we had kept until approximately the beginning of XX/XX/XXXX. We have since destroyed all paperwork from XXXX assuming that all was well since we had never heard anything from them during that time. XXXX says that they will remove the charge when we produce the receipt.We HAD a receipt we could have given them if they had contacted us within a year or so of moving. 

We did all of our own packing for the move so the items could not have been packed by accident by movers. We were moving out of state and had no use for their equipment. If we had been contacted in a timely fashion by XXXX, we could have proved our case. Waiting almost 3 years to finally contact us via a debt collector is not fair to us as we can not prove that we returned the equipment at this point in time. We do NOT owe XXXX {$130.00} for equipment that we already returned to the company. 

We have contacted the Attorney General 's office in both XXXX and XXXX. XXXX said it was not their problem since it occurred in XXXX and I should contact them. I was only able to leave a message with an attorney at the XXXX AG office and he has never returned my call. Surely some kind of statue of limitation exist regarding how long I 'm expected to keep a receipt from a cable company
Product: Checking or savings account

I initiated a wire to transfer and Chase implemented triple quadruple factor checking that I did not request thats not in my interest instead of transferring the funds into a bank account that has my same name on it. So my money is trapped in Chase because I wont remove my program on my phone that requires numbers that I know come through that was set up by My Son. I actually dont know how to take it away. All they would have to do is call from the same number thats on the card or on my bank statements or for them to allow me to click over from speaking to one of the representatives to whoevers calling in on the new call and to add insult to injury when I requested my funds on demand be available when I came up there, they said they wouldnt be able to do that that large amount they would have to do it in intervals that would take a week!
Product: Debt collection

On XX/XX/2019 I wrote a letter to the credit bureaus about a collection account for {$480.00} I noticed on my credit report and stated that it was being reported inaccurately. On XX/XX/2019 I received a letter from the credit bureaus stating they verified the debt so I sent a letter to the collector, ( PMAB LLC ) on XX/XX/2019 requesting that they send me proof of the following : that this debt belongs to me, that they own the debt, they have a right to collect in my state, a copy of the original contract bearing my signature, proof that they can collect this debt, any copies of letters that were sent to me from them or the original creditor regarding this debt, how much they bought the debt for, chain of title on the debt, as well as proof of whether they owned or were assigned the debt. On XX/XX/2019 I received a letter in the mail from PMAB LLC which was a simple and generic print out. Nothing of which I had requested in my letter to them. Nothing of which proves this debt belongs to me or that they have a right to collect on this debt.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax failed to cease reporting inquiries on my credit report after I reserved my right of privacy. Every address being reported other than XXXX XXXX XXXX XXXX Florida XXXX are non mailable addresses and need to be removed.
Product: Money transfer, virtual currency, or money service

In XXXX XXXX, Cash App withdrew {$240.00} from my bank account checking with no authorization. I contacted Cash App multiple times but they kept giving me the run around! They never told me that there was a class action suit against them. Everything that is mentioned in the suit happened to me from Cash App! They wouldnt help me at all. I then complained to my bank and just was denied. Cash app did not help. My bank notified that they did not have documents to support my complaint. I just realized that the bank did not show the transactions!!!!! I dont know how that was possible. XXXX also is working on this. They asked me for the transaction numbers which I got yesterday and will submit it to them. 
I just found out that the deadline was XX/XX/year>. Today is XXXX XXXX. Because of the way CashApp failed to help, and my bank not showing the transaction, I shouldnt be penalized and not being able to submit my claim at this time. I was not aware of this lawsuit. CashApp made it difficult for me to file a claim and denied all responsibilities. Please help me and see what could be done. Many thanks, XXXX XXXX Phone Number : XXXX Contact Form : www.cashappsecuritysettlemen
Product: Payday loan, title loan, or personal loan

Mosaic is a lender from California and XXXX XXXX XXXX XXXX XXXX. They do not list a Georgia business license and they are partners in a scam that two states attorney general offices. I am in Georgia and have been scammed. The solar system sold doesnt work and the lender and company were aware of the poor quality equipment being installed. I never agreed to a lien on our home and they put one on our house. They promised a tax rebate that does not exist. I can not afford to pay the payment and my electricity bill that hasnt gone down as promised. The states of TN and KY have filed suit against XXXX XXXX XXXX but Mosaic the partner should also be held accountable
Product: Checking or savings account

I submitted an online claim to Wells Fargo regarding an unauthorized charge to my debit card on XXXX/XXXX/22 and allowed for a 30-day settlement. As in the past, I forwarded the Wells Fargo Claims Assistance Center a copy of my communication w/ the merchant and other entities involved w/ the transaction to aid in making the right decision. A copy of my XX/XX/XXXX/22 letter to the Claims Assistance Center is attached. 

As in the past, I followed up w/ the Claims Assistance Center a week prior to the 30th day outstanding to get a feel for where things stood. Upon being informed that the bank ruled against me on the basis of input from Visa, I filed a formal complaint and Request for Review w/ Wells Fargo Claims Assistance Center SVP XXXX XXXX XXXX Copies of the XX/XX/XXXX22 communication w/ the Merchant and other entities were included as enclosures. A copy of my XX/XX/XXXX22 letter to SVP XXXX is attached. 

After not hearing back w/in the 30-day timeframe allotted for a response from SVP XXXX, I called the Claims Assistance Center on XX/XX/XXXX to inform them that Visa played no role in the decision regarding my XX/XX/XXXX22 claim and that I felt the bank erred in deciding against me based on the facts captured in the supporting documentation submitted. 

The boisterous female representative I spoke w/ indicated the decision would not be reversed in the absence of alternative proof of payment. Since this response totally differed from the initial reason provided for the bank 's decision, I ended the call and decided to seek review of the bank 's decision by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and a couples were made in my name due to wallet stolen and Equifax credit breach. I submitted all the information to show it was on there and they needed to be removed. Equifax said it was removed but it was still showing on my credit report. Also showing on XXXX.
Product: Mortgage

I was informed that cfpb contact the agency and informed them to contact me. Never happened. In fact again since I have had this mortgage I have been transferred between the companies XXXX XXXX XXXX and Mr. Cooper all owned by the same cooperation. 
they have created a hardship with these illegal activities they were trying to force me into a non exsistent Modification. which at the time I was never late. this cooperation Preys on the elderly and assumes that we will not fight, they do not comply to instructions your company provided because to date they have not complied to your suggestion as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

request that all data from my credit file that occurred during a credit breach timeframe be removed from my credit report. I believe that my personal and financial information has been compromised as a result of a credit breach, and I am concerned that unauthorized accounts may have been opened in my name. 

I have taken the necessary steps to protect my credit and financial information, including placing a fraud alert on my credit report, filing a police report, and contacting the company or organization that suffered the breach. I have also requested the creditor of any unauthorized account ( s ) to close the account ( s ) and remove it from my credit report. 

I understand that it is important to ensure that the information on my credit report is accurate, and I am requesting that you investigate and remove any data from my credit file that occurred during the credit breach timeframe. I would appreciate it if you could confirm receipt of this letter and let me know the status of my request. 

Please let me know if you need any additional information or documentation from me. 

Thank you for your time and assistance in this matter.
Product: Checking or savings account

Someone stole my XXXX and created multiple charges on my account I found out they broke in my car stole my wallet with me and my kids social security numbers and driver license check books and cash hack in my account I contact the bank and dispute the XXXX transactions that they allowed to occur without freezing account the phone number has been change to someone else account this is for chime and XXXX as well as cash app XXXX XXXX card transactions were made in Texas XXXX in XXXX please help me I am now homeless with my XXXX kids and my XXXX XXXX XXXX autistic he dont understand my XXXX XXXX XXXX keep crying now social security XXXX just took my check someone did some unemployment now XXXX owe them XXXX I think XXXX losing my mind
Product: Checking or savings account

On XX/XX/2020, my account with Chime Bank was charged in the amounts of {$4200.00} and {$520.00} by the merchant XXXX and in the amount of {$39.00} by the merchant XXXX totaling {$4800.00}. I informed Chime Bank on XX/XX/2020 that I had not made the above-mentioned transactions and was informed I couldnt dispute the unauthorized transactions until they had posted to my account, but my debit card was closed and I was reissued a new card in the meantime. I filed a formal dispute with Chime Bank on XX/XX/2020 and submitted the requested documentation. Chime sent me an email on XX/XX/2020 indicating that they did not find an error with the transactions and as such, would not reimburse me, but wouldnt provide further reasoning for denying the claim. In my correspondence with Chime, they have refused to reopen my claim despite my not making the transactions and have left me without recourse.