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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

my account is paid off and i want this comany to remove the acount from my credit report immediately
Product: Checking or savings account

On XX/XX/2019 Payment was made to XXXX XXXX in the amount of XXXX for a concrete counter top. Services were not rendered and Im stuck with a incomplete kitchen county and leaking sink. I called Chase to dispute the payment for not completing the service requested and Chase is saying they cant help me. If they cant help me why are they offering a the quick pay service. I made a significant note of who it was for which was XXXX XXXX XXXX, XXXX. Im in the process of having lawsuit filed against them. However I would like my money back so I can hire a company that will complete the job.
Product: Debt collection

Discover had a debt collector calling and writing me. I engaged the services of a credit guy and he had me send a letter asking for legal validation. They sent the attached letter saying the statements copies they sent are validation. But as per the law, it was explained statements do not make up validation as per the Fair Debt Collection Practices Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Coaf XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I have a a unverified account from AD ASTRA REC. I had previously disputed this account. I have never done business with AD ASTRA REC. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA REC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA REC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting

I have some unauthorized inquiries on my credit report from companies trying to run my credit without my consent and it has drastically hurt my credit scores. I would like these inquiries removed immediately. I should n't have any inquiries on my file at all. I filed a fraud Identity theft report in XXXX 2014 and sent all my documentation to the credit bureaus and they still have allowed this to happen.
Product: Mortgage

I have a mortgage with my ex-spouse in another state. Several months ago the statements started coming to my new address not forwarded but with the new address even thought they were not changed by me or the primary. The primary tried to get the address changed back to the property address however twice they failed to do so. 
I called to try to do it and was told that because I didn't know the password they were unable to give me anything about the loan. I did not place a password on the loan however I am still on the loan under my married name and if something happened I would be responsible for the balance. Since the primary is not getting statements he is at this point late on his payment which is affecting me and my credit however they are unwilling to do anything to assist me. They were unauthorized to change the address and did not do their proper due diligence as there is no mail under my married name that actually goes to my new address. 
Not only do I have concerns that this may affect my credit but I feel this practice could lead to identity theft in that they wont assist me and changed the address without written or verbal consent to do so. This appears to be a basic lack of Know your Customer Regulation practice. There was no address change confirmation sent to the XXXX XXXX  address nor as I am aware to the XXXX address. 
I have only requested that they update the address back to the property address. The property address is clearly listed on the statement as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I divorced I changed my name back to my maiden name and moved. The address that the statement got changed to was XXXX XXXX XXXX XXXX, XXXX XXXX. This is a very drastic change. When I settled in XXXX I settled under my maiden name XXXX XXXX. No XXXX XXXX or XXXX XXXX have ever established residence in XXXX or credit for that matter.This can be easily verified with XXXX  or XXXX systems or even a credit bureau soft pull. They did not attempt any of these in making and address determination and wont allow me access to my own loan to update or even inquire.
Product: Credit reporting

I have been disputing this situation for 2 years now. Transunion has kept a tax lien on my credit report from XXXX, XXXX, that has been paid. The other XXXX credit reporting agencies have removed the damaging information from my credit report. When I filed a recent dispute on XXXX/XXXX/XXXX, Transunion retaliated by dropping my credit score XXXX points, from XXXX to XXXX, without an explanation. I monitor my credit report so I know EVERYTHING that happens and why. They did not list a reason, so I can only conclude that it was in retaliation for the dispute. Low credit scores = high interest rates for their business buddies. I want my credit score restored or provide a WRITTEN reason as to why my score was decreased. Also, it seems that as soon as XXXX score gets above XXXX the other XXXX agencies drop theirs on purpose creating this chronic yo-yo effect for consumers, especially XXXX. Its economic genocide.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I notice that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Debt collection

Since XXXX, Harris & Harris has been trying to call me to collect a debt. I told them not to contact me as I know that are not a company holding any debt for me. The woman on the phone was aggressive and had demanded I pay them but I told her to stop calling. I am also registered on the national do-not-call list and have been for years. Since then, I receive calls every month, sometimes multiple times each month. Even though I have blocked them, I can still see when they call. They never leave a voicemail and sometimes the calls actually interrupt calls I'm currently on or emails I'm typing on my phone ( I often use my phone for work ). Below are a list of dates and times that they have been calling me since the XX/XX/2023, most recent to oldest. Also, I've included a screenshot of my phone record showing all the incoming calls from them. 

today 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

I recently learned that my personal information was leaked in a data breach and i beleive it was used to open accounts that are not mine. I did not open or authorize any of these accounts. in 2019 my wallet was stolen and I believe this could be a result of that also.
Product: Prepaid card

On  XXXX   XXXX  I tried to log into my  American Express  account online but was unable to do so. I then called them to help me to unlock my account which took  3  or 4 times of them trying to unlock the account. I did just end up calling the phone service line and getting my balance from the card. That is when I realized that something was wrong, because a large amount of money was missing so I then called them back again. When I told the company that the money was missing a representative said we could file a claim so she then transferred me to another representative who then asked me many questions and said that he would have an investigator look into it. He told me that I was going to get all the {$5000.00} back because I was covered by the fraud prevention program. He then said to expect a call from their investigator with some more questions. I did not receive a call from the investigator or anyone else from AE for that matter so I called them on Saturday the  XXXX . The representative on the phone said that I should give them a call back on Tuesday the  XXXX  to see where the investigation is at. When I tried to get into my AE app on my phone Monday the  XXXX  ( just to see if by chance they put the money back in there  )  my account would n't open. When I called them today they told me that the investigation was closed and that they closed my card account because I somehow defaulted on the agreement. I then asked to speak to the supervisor so I could get more answers. I waited on hold for ten minutes when the supervisor finally came on he said that they had closed the fraud claim case because they said it was my fault. They thought I approved them even though I told them the first day that I noticed something wrong that I had no idea who any of those people were. My account is now locked I am unable to get in and print any of the transaction logs that could possibly help me get my money back and charge whoever those people were that took my money.
Product: Debt collection

XXXX XXXX XXXX XXXX allegedly sold the debt to XXXX XXXX. XXXX is trying to collect on a debt was ruled illegal and continues to get payments on a debt that is not owed.
Product: Debt collection

ERC Collection For XXXX XXXX XXXX XXXX I have reached out to ERC about collection account. I explained, I paid this account in full. They should not be reporting it negatively to the 3 credit bureaus and they can verify the information by contact XXXX XXXX XXXX XXXX, and to please remove after the information is verify and they yet to complied.
Product: Debt collection

On XX/XX/24 I received an email from Unifin Inc a debt settlement company in regards to a debt that has been sold to them from XXXX XXXX XXXX which I currently have a case open with because they are currently reporting the same debt under my name which I provided documentation that XXXX XXXX XXXX requested providing a police report, Affidavit and Identification. I received an email from Unifin stating that this debt had been sold to them and they are now requesting for me to pay this debt that is not mine. I have provided Unifin with the same documentation that I gave to XXXX XXXX XXXX but there was no response back via email which is how XXXX from Unifn contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/2017 Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Loan Type : COLLECTION AGENCY/ATTORNEY Original Creditor : XXXX XXXX XXXX XXXX 2-XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Placed For Collection:XX/XX/XXXX Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX 3-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Placed For Collection:XX/XX/XXXX Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Loan Type : COLLECTION AGENCY/ATTORNEY Original Creditor : XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXXComplainant received a phone call on her landline from an individual who identified himself as XXXX XXXX, an employee of XXXX XXXX XXXX XXXX. He stated that unless the complainant did not pay XXXX via XXXX or XXXX her electricity would be turned off in fifteen minutes. And that the " technicians were on their way and would be at her house in fifteen minutes unless a payment was made immediately ''. The complainant stated that " she did not have XXXX XXXX '' but could make partial payment of XXXX and XXXX respectively from her bank account with Chase via XXXX ( XXXX ). She then did, using her checking account transferred as payment on XX/XX/2021 the following amounts : XXXX and then XXXX respectively to a telephone number provided, XXXX XXXX. She was instructed to call each day to make a payment on her balance and she did so ; on XX/XX/2021 she made a transfer as payment of XXXX via XXXX ; on XX/XX/2021 she made a payment of XXXX via XXXX as payment towards her balance and on XX/XX/2021 she made a payment of XXXX via XXXX towards her balance with XXXX. All of these transfers as payment were withdrawals from her Chase accounts via XXXX. On XX/XX/2021 she recieved a call stating that she needed to make yet another XXXX payment but she became suspicious as the " payment arrangement '' she negotiated had a different paymment date and amount. She made no further payments. It should be noted that the complainant attempted on multiple occasions to call the published number for XXXX in addition to speaking with these individuals holding themselves out as XXXX customer service employees but could ot reach anyone on the published lines. She finally spoke with someone on XX/XX/2021 who confirmed that XXXX had receied no paymnets from her and that they were not taking customer payments due to the Covid-19 virus pandemic. The complainant reached out to XXXX who referred her through an automated system to her banking institution. Chase took a Fraud complaint ( Referece # XXXX ) and provided their XXXX XXXX number for you to call regarding this matter ( XXXX ). The complainant has reached out to XXXX, Chase, XXXX, the New York AG, FTC and now this agency for remedial relief, namely the return of her funds and that the individuals responsible for this are prosecuted for this crime.
Product: Credit reporting or other personal consumer reports

17 months of on time never late payments to XXXX and refuse to give them back and you can clearly see these company is predatory and a fraudulent company experian. FIX MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 a account without my written instructions.
Product: Debt collection

I received a letter from Transworld systems Inc. TSI ; XXXX XXXX XXXX , XXXX , PA. XXXX ; Phone XXXX. 
This is supposedly a debt collection agency trying to collect a {$22.00} debt owed to XXXX XXXX XXXX. I have no debt to this organization and when I XXXX XXXX., I got more than one company listed. When I XXXX Transworld, XXXX would not load their page because of an Unsecured website. 
When I called the phone number Transworld had in this letter ( XXXX ), I received a voice recording stating the person I at the extension I dialed ; XXXX is unavailable. Suspect this is a scam and will not make payment on something I can not identify or verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE
Product: Credit reporting or other personal consumer reports

This morning, I was upset to discover unauthorized inquiries on my credit report, which came as a shock since I regularly monitor it without issue. Despite refreshing my browser to see if it was just a glitch, the discrepancies remained. I'm deeply concerned and request that the documents Ive submitted be carefully reviewed so I can finally put this worry to rest.
Product: Credit card

I was having trouble with XXXX overcharging my discover card so I froze the account. Discover allowed charges to come through anyway and charged me duplicate ( see attached ). I closed the account 3 months ago and they just recently charged me again. Discover sided with XXXX from the beginning. They were uncooperative and rude every time I called. This company is pro creditor and the consumer will never get a fair shake. You can see by the screenshot of the statement that the account was frozen and I was charged twice
Product: Credit reporting, credit repair services, or other personal consumer reports

On My credit report show a few accounts closed and in delinquency. 

Student loans accounts are in a payment plan, how ever this accounts are showing late and that needs attention on a make a payment. 

All my student loans are out of defaults. 

thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : XXXX  XXXX : OPENED XX/XX/XXXX XXXX XXXX : OPENED XX/XX/XXXX XXXX  XXXX : OPENED XX/XX/XXXX XXXX : OPENED XX/XX/XXXX INQUIRIES : XXXX/XXXX  : XX/XX/XXXX XXXX XXXX  SERVICES : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/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: Money transfer, virtual currency, or money service

On XX/XX/23 a AHC for {$23000.00} was sent to PNC bank in XXXX PA for an invoice received. On XX/XX/23 we contacted the XXXX about payment and discovered that it was fraud, I called my bank they made a request to return funds, I contacted local Police and the XXXX took all the info I had, also calls were made to the bank by the XXXX that was suppose to receive the fund, by the investigator and myself to report fraud. We were told it was sent to the back office to be investigated. We made multiple calls trying to find out the status but with no help.PNC took no action to put a hold on that transaction until it could be Investigated. XXXX Our bank received a NSF denial to return the funds. The scammers where given plenty of time to transfer the fund out. Now PNC is saying that nothing can or could have been done.!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Incorrect Reporting of Late Payments on Closed Account Dear CFPB, I am writing to file a formal dispute regarding inaccurate reporting by [ Credit Card Company Name ] to the credit reporting agencies. Specifically, they have reported late payments on an account that was closed on [ Date of Account Closure ]. The details of the account are as follows : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Credit Card Company : Lowes Credit Services Date of Account Closure : XX/XX/year> Upon review of my credit report, I discovered that the credit card company has continued to report late payments after the account was closed. This is a clear error, as no further activity has occurred on the account since its closure, and no payments were due following that date. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and that the late payments be removed from my credit report as they are not valid. 
For your reference, I have enclosed the following documents : XXXX. A copy of my credit report showing the late payments being reported. 
XXXX. Documentation from XXXX Credit Card Company ] confirming the date of account closure. 
XXXX. My correspondence with the credit card company regarding this issue. 
I respectfully ask for your assistance in rectifying this issue and ensuring that my credit report accurately reflects my financial history. I look forward to your prompt investigation and resolution of this matter. 
Thank you for your time and attention. Please feel free to contact me if you need any additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of PDCU and they continue to show me reasons why I should leave. In late late last year, I took out two small loans. The were both paid on time and paid off. They were paid off in XXXX of this year. To date, they both still are reporting inaccuracy on my credit report, as open trade lines, which they are not. I have called the credit union, 5 times trying to resolve this but I simply get nowhere.
Product: Credit reporting or other personal consumer reports

There are things on my experian and XXXX  that are not mine, Ive trued to dispute them but were denied.