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

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

XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX  XXXX XXXX. Account number : XXXX. XXXX : XXXX XXXX XXXX. Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : XXXX. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. XXXXThe date on which you contacted the individual information furnishers. XXXXThe method of communication used to verify the information.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Resurgent Receivables LLC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX To : The Office of Registered Agent for Resurgent Receivables LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Product: Credit card or prepaid card

The Visa credit card from U S Bank stated that I would get {$500.00} cash bonus reward if I spent at least {$2000.00} in the first 120 days of opening the account. I have purchased collectibles from XXXX. I have not received the bonus. When I called the U S Bank, I was told that purchase from XXXX is not eligible for cash bonus. The card member agreement says cash advances, balance transfers and convenience checks are nor eligible for bonus rewards. U. S. Bank nowhere mentions that purchases from XXXX are not eligible for bonus rewards.
Product: Debt collection

Opened XX/XX/2020 owing balance {$610.00} but i dont know this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal Mastercard keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in XX/XX/XXXX, so all assets were frozen I advertise and was paying bills out if my own pocket. PayPal took my PayPal card and put it in my name plus added the business name onto it, we have had this commercial bank account since XX/XX/XXXX. Anyone I speak to at PayPal is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted XXXX XXXX has read my decree and they have my deed in Lou of foreclosure that I paid for myself XXXX my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out
Product: Credit reporting or other personal consumer reports

Carmax reported a 30 day on all 3 credit bureaus violation of 15 USC 1668B in the month of XX/XX/year> which I was never late and Now its move to XXXX that inwas late which the representative at carmax on XXXX XXXX in XXXX tn clearly showed inwas 30days late in XXXX. Carmax has reported to all 3 bureaus that my payment is also Goood in the month of XXXX and my payment isn't due yet for XXXX reporting erroneous payment dates before due or payment date. I was never late and disputed this multiple times but no resolution.
Product: Checking or savings account

I went to an outside ran atm tried to withdraw XXXX and the machine said the transaction was complete but it gave me no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payments on time and paid my car loan XX/XX/2022 and even I have provided proof of tittle and paid off letter. it still in my report as late payment and as charged off
Product: Checking or savings account

I was XXXX some money and the person that XXXX me the money reported the XXXX transaction as fraud. I sent the money back. Now my Wells Fargo account is closed
Product: Debt or credit management

My original mortgage lender sold my account to Selene Finance in XX/XX/year>. I didn't know about it until I tried to make a mortgage payment. I contacted Selene Finance to make my payment and was unable to because they said it would take XXXX business days before everything could be completed in their system. When I called back they still wouldn't take it because they didn't honor my repayment plan I was on with XXXX XXXX  which was apart of the terms. Later they said they had no info about my repayment plan from the previous account holder. I got XXXX XXXX  to email it and sent it to them. They still gave me the run around about making a payment and the terms of the repayment plan. In XXXX a representative of Selene Finance called and said that is was apart of the buy and would honor it and was able to take a payment in which I made it. Called to make XXXXXXXX XXXX payment and got the same runaround again as before. They have been giving me the runaround so long and not taking my payments until now they say that I'm in active foreclosure. They said that I broke the terms of my repayment plan in XX/XX/year> due to non- payment and as a result the total amout was due. They wouldn't even accept a payment from me in XXXX. In trying to get this matter solved they are still giving me the runaround and I'm about to lose my home. They asking for documents I've sent over and over again. Every time I call I'm talking to different representatives who all keep giving me the runaround and lying to me about different reasons.
Product: Checking or savings account

at the end of XXXX around the 25 USAA started putting money into my account for some unknown reason claiming it was due to fraud. On XXXX sixth the took two recovery amounts out of my account one being for XXXX the other for XXXX causing my account to be in the negative for a total of XXXX they will not say why other than it is due to a fraud case that I did not file.
Product: Credit reporting

Good afternoon, Dear Credit Bureau Government Agent. How are you? I 'm sorry to bother you with my complaint. I was checking my credit report and saw couple of XXXX Inquiries that I never applied to, or even used their service. This is my second complaint about a different hard inquiry that I saw my credit report. I 'm just a student, and i never applied to this company. It 's called " XXXX Credit Card Cos. XXXX I wrote to them to remove the hard inquiry and asked, how and why they have my information. They would n't respond to me at all. Please help me to get this hard Inquiry removed. Fair solution is to remove this from my credit report. Since i havent ever used their service, nor did I try to apply for it! It 's improper use of my information. How could they use my information? Is n't illegal to use someone 's information without their knowledge? Thank you for listening to me and have a pleasant day dear Government Agent. Thank you.
Product: Money transfer, virtual currency, or money service

Earlier this year I decided to join some friends for a trip to a concert, it was a last minute decision spurred by optimism and wanting to be around people again as quarantine loosened and businesses reopening. I was joining a group who I honestly didnt know much of aside from passing mention by my connection to the group who is the close friend that had invited me to tag along. Unfortunately I extended my trust in my friend to the rest of the group and the girl I was told to send money to for my ticket and lodging contribution. I sent her {$180.00} in total in two payments through XXXX XXXX, the first payment was {$80.00} for my ticket on XX/XX/2020. The second payment was {$100.00} for my lodging/ hotel contribution on XX/XX/XXXX. However this event/ small concert for I believe sometime mid XXXX ended up being cancelled due to covid concerns or restrictions, I heard about it and so I reached out to the girl to naturally ask her to send me my {$180.00} back. Another unfortunate result of my over trust was that I never got a phone number as we were in contact through XXXX where she had now blocked me, I had an email address for her XXXX XXXX but she was unresponsive. I tried futilely to ask for XXXX XXXX to help, I then called my card account bank, BECU, but I ended up losing my dispute/ claim. However I am rather unsatisfied because I was not updated or informed of any reasoning or evidence for the case decision, for a month and a half I received no news after my submission aside from the lone update that my dispute was lost and I could simply do nothing. I understand the route I had taken to end up here isnt ideal but since this is my situation, I am at the least exhausting my options due to how this year turned out and a need to scrape by until the new year where an employment opportunity awaits for me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt apply for credit for a car loan with any of these companies or give anyone my permission to run my credit as a hard inquiry. XXXX  XXXX on XX/XX/, XXXX XX/XX/XXXX  and Consumer Portfolio on XX/XX/
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. They also violated my rights numerous times. The credit bureaus violated my given right XXXX5 USC 1681. According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX believes that American Honda Finance has no choice but to delete the account currently posted on my XXXX Report, and that XXXX missed the proper reporting of the account. The credit trade line shows date of first delinquency as XXXX XXXX, but American Honda Finance cut off all payment history from XXXX XXXX through XXXX XXXX. The account falls within the XXXX rule timeline, and should be deleted immediately and permanently. Accordingly, I request a full reinvestigation by XXXX as the statement posted by American Honda Finance shows that I am 100 % right in the review of the Fair Credit Reporting Act rule pertaining to obsolete and outdated trade lines. PLEASE DELETE THIS TRADE LINE PERMANENTLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX is reporting as a charged off account. This account is fraudulent and violates FCRA XXXX XXXX XXXX. It is NOT reporting accurately and is an illegal account. It must be removed.
Product: Money transfer, virtual currency, or money service

They closed my account after I identified my identity too them, at the time I wasnt XXXX XXXX XXXX too have the account. So I verified when I turned XXXX then they closed it due to that reason not giving me any information on why they closed my account with earned money I need for bills, I rang them up about the issue, that didnt really get anywhere apart from the fact they said they are holding my account for 180 days but after a 30 day period I can transfer the money to my bank. Its now been about 110 days and Im still unable to transfer my self the money, PayPal seems like a very unorganised company from my experience. My PayPal is all linked to my main email which is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX   {$1100.00}
Product: Money transfer, virtual currency, or money service

I used PayPal to pay for services I did NOT receive. I used My XXXX with PayPal for {$70.00} and neither XXXX or PayPal are doing anything about it! When I contacted the Person to get my money back ( Female last name XXXX, Male XXXX XXXX ( XXXX ), I was threatened with extreme violence, including death threats and asked for more money! PayPal and XXXX hasn't done anything!
Product: Debt collection

In XXXX of XXXX I was diagnosed with XXXX and immediately began treatment. The XXXX was hard on me mentally and physically. Then on XX/XX/XXXX, I lost my mom to XXXX and 9 members of my family contracted it as well. It was a horrific time for us. I contacted Synchrony Bank d/b/a, Sam 's Club, Care Credit, XXXX and Lowes. Most of these cards I have had as far back as XXXX and XXXX with no issues whatsoever. 
With all I was experiencing I contacted them because I forgot to pay them ONCE and when I discovered it, I contacted them less than 30 days later and began catching up.They began reducing my credit amounts from {$5000.00} to {$1300.00} and {$1200.00} and demanding more money. For instance, my Care Credit limit was {$7000.00} in XXXX. It is now {$1300.00} and the minimum amount due is {$120.00}. Same thing with Sam 's Club. This has made me look like an irresponsible consumer. I have been harassed through text messages and phone calls. I have received letters saying that I asked for a credit decrease and did not. 
My background in financial planning teaches me to never owe more than a 3rd.

Sam 's had a very rude and insensitive lady contact me after my 1st complaint ( erroneously mentioned ) who said they have the right to protect themselves. I advised her I felt their actions were intended to harm me and I informed them of my health crisis and my bereavement. She said I could reapply. I have several conflicting messages and contacts from them. Several times I was told to give everyone the same story and all would be restored. It got worse! Little by little since last year, they have been reducing my accounts and harming my credit even though my income has increased and I have consistently been in touch. I feel very harassed, have not been able to refinance because my score went from high 700 's to low 600 's. I am wearing with fighting them. 
Please help! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, my mother opened a CC with Barclays Bank and had put my name on one of the cards so that I could use it to do her shopping, etc. After doing much work to improve my debt status I realized today that this card is showing up as debt on MY credit score, which they were never given my SSN nor were they given permission to process my credit.This is a XXXX credit card. For my mother, this barely makes an impact in her debt to income, but for me this is 30 % of what I make a year and making a HUGE impact on my negative debt to income ratio. She did call Barclay today, who confirmed that they do not have my SSN on file and " don't know how this could have happened '' and that I would need to file a report on it. I really just want this removed from my report. This should not be impacting my report or amount of debt to income.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX Interest Balance Transfer Direct Deposit offer initiated on XX/XX/XXXX XX/XX/XXXX {$3.00} Interest charge XX/XX/XXXX {$7.00} Interest charge XX/XX/XXXX {$2.00} Interest charge Payments made in full before statement closing date. Bank of America applied payments, which I made for purchases, towards Balance Transfer Balance offer and proceeded to charge me interest on purchases. Agent stated that since I made the payments before my statement close date they were not applied to the purchase made in that statement period. Since they decided to apply these payments to a balance that isn't due for XXXX XXXX they charged me interest on all purchases made during the statement period. This has been on-going for 3 months now.