23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Home Depot card # 1 with closing date of XX/XX/XXXX amount - {$64.00} # 1 charge for ( + ) {$90.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows - {$65.00} balance.

# 1 statement with closing date of XX/XX/XXXX shows -.XXXX  credit Home Depot card # 2 charge for ( + ) {$96.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows balance {$96.00}.

Payment made XX/XX/XXXX for {$64.00}.

# 2 credit return XX/XX/XXXX -XXXX   with closing date XX/XX/XXXX shows balance {$91.00}.

Payment made XX/XX/XXXX {$91.00}.

# 2 closing date XX/XX/XXXX shows balance {$120.00}. 
# 2 closing date XX/XX/XXXX shows balance {$56.00} I called and faxed POA as this is my XXXX year old sisters card and asked why they would give an individual another card if they already had one and they said they can issue up to three accounts for the same place for one individual. I told them that was rather convenient for them as older people do not even realize different account numbers. I have tried to reason with them but now POA, they say was only for one account, if I have her POA it is for all her financial dealing.

All I now is there were two charges for a total of ( + ) {$180.00} one return credit ( - ) {$32.00}, payment XX/XX/XXXX ( - ) {$64.00}, and payment XX/XX/XXXX ( - ) XXXX. They owe her .XXXX NOT she owes them {$56.00}
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : Collections Please be advised that as of ( XX/XX/year> ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : Account : XXXX XXXX Account Number : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer reports without prejudice. Also, according to FCRA laws while investigating this matter you must remove above -mentioned account from my credit report while under investigation. 



Warm Regards, Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

They Keep calling my mother numerous times a day & blowing up her phone constantly. They are also repeatedly calling my number & now trying to use a local number for me to answer! I do n't know who this company is. NEVER received a letter stating about this debt AND ITS NOT ON MY CREDIT REPORT. PLEASE REPORT THIS!
Product: Debt collection

Paramount Recovery Systems XXXX XXXX XXXX. 
XXXX XXXX XXXX TX. XXXX Placed fraudulent medical debt on my XXXX & XXXX, credit reports. I have dispute this fraudulent information with both agencies. Paramount Recovery never contacted me directly as required by Federal Law, concerning this alleged debt. I would have disputed the debt in question and demanded full validation as is my legal right under the law. This alleged debt can not be legally Validated as mere verification is insufficient under the law.
Product: Checking or savings account

On XX/XX/XXXX, I called Chase Bank and asked them if I was able to deposit an endorsed check for my nephew. After getting the okay and instructions on how to endorse the check, I deposited it into the ATM. A few days later I tried to pay a bill online, but my transaction did not go through. I immediately called Chase who informed me my account was frozen until my nephew 's identity could be verified. We then went into a Chase branch and explained how his ID was stolen. The supervisor said we should go to the DMV and bring back the print out, which we did. When we went back to the branch, we were then told per the fraud department that only his actual ID would work or we would have to wait until the XXXX for the check to clear. His ID had not come by the XXXX and the check cleared, but I was then told that I still had to wait and my accounts were still frozen, including my own personal money already in my account. Finally on the XXXX his ID came and we went into Chase and cleared the hold and were told that after 30 mins to go to the ATM to withdrawal the funds. I went to the ATM and my accounts now had a XXXX balance! Chase was closed as well as the phone department. The next day I went into thr branch who told me that as I was in the branch the previous day clearing everything up, they closed my account on suspicion of fraud for not bringing in my nephews ID and closing my account at the very same time. They told me that my accounts are in fact still open but they already issued a check to be mailed so I would have to wait another 7-10 days to access my funds!
Product: Credit reporting or other personal consumer reports

I have disputed this closed account over 3 times and provided documentation stating they have closed the accounts but they are continuing to report it to my credit report as updated and valid without the documentation to prove it. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never given authorization for the furnishing of my information to your credit bureau. 
Please have them remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are inaccurately reporting a XXXX XXXX  account ending in XXXX. This account and its balance do not belong to me ; they are a direct result of identity theft and fraud. I have reported this issue multiple times, yet they have not taken action to remove this account and update my credit report within the required timeframe. I demand immediate correction of this error.
Product: Checking or savings account

Someone hacked {$12000.00} from my account and BOA said it was me and also they wrote me a check that returned fake and got me banned from XXXX XXXX. This started on XX/XX/XXXX of XXXX, someone did XXXX payments to someone I don't know and they did XXXX and XXXX XXXX XXXX payments which I didn't authorize. There's a virus on my XXXX that I see in the calendars app. I think that's how they stole my online banking info and all the info on my phone. I filed an FTC ID Theft report about this. Bank Of America denied my claim AFTER THEY mailed me a letter about suspicious activity on my online banking and to call them, which was received in my mailbox on XX/XX/XXXX. The next day, I called, and realized all the transactions I never authorized. They filed a claim and assured me that all the money will be refunded. Almost 3 months later, I'm still fighting with BOA. I even filed a XXXX  post and the social care team called me and said they could only get me to claims. Claims said they believed me and the investigator who chooses to approve claims doesn't believe these things that happened to me happened. I just want my hard earned $ back and I'm willing to fight. I posted about this on news pages. I'm even working with this advocate called The XXXX XXXX to help me out. I was told by one BOA representative that there is a phone number I no longer have linked to my BOA profile, and we both agreed that person who was the number must have my personal info to get into my bank info and authorize the transactions. I think Bank Of America is a scam company that steals people 's money and not care for it like a bank should. I have proof of the viruses on my phone and PC I think they used to drain my bank account, which I will include. So for the check for {$500.00} that was drawn on Boa, I had a XXXX account that was closed. The account was named XXXX XXXX. When I deposited the check in my XXXX XXXX XXXX account, they said try at the ATM cause the picture of the check might got the numbers wrong, so I did an ATM deposit. There was a hold on the check, so I called BOA and they said the check should clear and to call XXXX XXXX. The check returned fake twice and XXXX XXXX shut down my whole accounts and reported me to XXXX XXXX XXXX and said my account was closed for cause due to BOA 's mistake. XXXX XXXX wants proof from Boa confirming the check is real and should have cleared. I just want my name cleared up so I don't have problems opening bank accounts for the next 7 years until XXXX. Also back in XXXX on two different accounts, someone zelled themselves {$50.00} each and BOA thought it was me. This has caused XXXX XXXX to close a credit card I have and ruin my credit score.
Product: Mortgage

XX/XX/2020 - We approached Flagstar Bank, who is the lender of our existing mortgage, for a refinance. We were offered a competitive interest rate of 2.875 % with 0 points for a refinance. We completed the loan application and submitted the requested paperwork by XX/XX/2020. We were given an " estimate of completion ( i.e., loan approval ) '' date of XX/XX/2020, and an estimated closing date of XX/XX/2020. 

XX/XX/2020 - The lender contacted us requesting additional information ( e.g., copy of driver 's license, homeowner 's insurance declaration page ). 

XX/XX/2020 - We received the Loan Estimate Statement. Instead of the 0 points we were told when we applied for the refinance, there was a charge for points of .341 %. We informed the lender that this was not the initial agreement. After being told by the lender we'd have to restart the loan process and pay off a 2nd trust deed to get 0 points, we agreed to accept .341 % points in order to close on schedule. 

XXXX XXXX -We were given a list consisting of 12 additional items needed for loan approval. Those items were provided to the lender in a timely manner ( i.e., within 24 hours ). Since that time there has been no attempt to contact us or respond to our request for an update on the loan status. 

The loan did not close on XX/XX/2020. 

XX/XX/2020 - After not hearing from the lender we, again, requested an update from the lender about the loan status, and the anticipated date for closing escrow. 

XX/XX/2020 - Still, no response from Flagstar Bank. Our rate lock will expire on XX/XX/2020 This is speculation, and feel free to remove this statement if it's deemed inappropriate, but we're wondering if they overpromised on the interest rate and are letting this drag out until the interest rate either drops or the lock expires.
Product: Vehicle loan or lease

I had an auto loan ( which I later discovered was actually a lease ) through this company. The vehicle was covered with GAP insurance as required ( which I received through the company they got me approved with ) It was my first car with a payment so I had no idea that they were misleading from the very beginning. During my term, the vehicle was involved in an accident in which it was a total loss. I was told that the car would be paid off ( as it was not my fault -- and my insurance company paid their portion ) and the GAP insurance would cover the rest. As far as I knew the obligation was satisfied in full until I received a copy of my credit report showing this as a charge-off. At this point, this derogatory mark is affecting my credit situation and the issue was supposed to be resolved. I never received any paperwork stating that I had any further obligation so I just do n't understand what is the deal. I attempted to file a complaint with the BBB but they show NO RECORD of this company. I am currently looking at their website! How could this be??? Please help!
Product: Credit reporting or other personal consumer reports

Experian, tranunion, equifax, these are the credit burrows I'm having issues with.ive reached out to tell then all negative marks on my report are fraud even presented screenshots of the negative marks on credit report and there reply was we don't have your information on file
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is XXXX to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.
Product: Credit reporting or other personal consumer reports

I should not be held responsible for a debt linked to an auto loan account, originally opened with a creditor that subsequently sold the account, resulting in charges for which I neither provided consent nor had any knowledge. 

-The Principle of Consent and Authorization Fundamental to any debt obligation is the principle of consent. For a debt to be legitimately attributed to an individual, there must be clear evidence of their agreement to the loan 's terms and conditions. This typically involves a signed agreement that outlines responsibilities and repayment terms. In this case, there is no signed document evidencing my consent to this debt, fundamentally challenging the legitimacy of the claim. 

-Timeline and Discrepancies The timeline of the debt further complicates its legitimacy. The account was opened on XX/XX/XXXX, and subsequently closed, with the status marked as charged off and an amount of {$8200.00} past due as of XX/XX/XXXX. Despite the account being closed, it reflects a balance of {$8200.00}, updated in XX/XX/XXXX, and the last payment recorded on XX/XX/XXXX. These discrepancies highlight inconsistencies in the account 's management and reporting, raising questions about its accuracy. 

-Lack of Knowledge and Involvement Furthermore, I had no knowledge or involvement with this account. The assertion that I am responsible for a debt I was unaware of until it was charged off is not only unfair but also legally questionable. The Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors provide verification of the debt, which includes evidence of the original agreement signed by the debtor. In the absence of such proof, it is clear that this debt should not be attributed to me. 

-Impact of Unfair Debt Attribution Being wrongly held accountable for this debt has significant repercussions. It affects my creditworthiness, limits my access to future credit opportunities, and imposes undue financial stress. The status of the debt as " charged off '' and the recorded past due amount adversely impact my credit report, despite my lack of involvement with the original creditor or the account 's transactions. 

The principles of consent and authorization, coupled with the inconsistencies and lack of knowledge regarding the debt, underscore why I should not be held responsible for it. The absence of a signed agreement, combined with the discrepancies in the account 's timeline and reporting, clearly indicate that this debt is not legitimately mine. Holding me accountable for it violates both the FDCPA and fundamental principles of fairness and justice. Therefore, the debt should be removed from my credit report, and I should be absolved of any responsibility for it.
Product: Money transfer, virtual currency, or money service

My case : I have fell victim to a backdoor scam on the XXXX platform. I have been trading on a site similar to it and now I can not withdraw my funds. 
My funds are locked on the platform. I used my XXXX account to transfer XXXX  to the platform which does work and syncs up with the exchange. I was able to transfer XXXX from the back door platform site to my XXXX  and then my bank so it is real. However, now I am being told that I cant withdraw my funds until I pay my share. 
I have all hashes, screenshots, wire transfers with my bank to the XXXX exchange, and wallet IDs on the platform. I also have contact details with a representative from the platform and the platform URL/domain. 

Please assist me in reversing this whole situation. Its a nightmare and I want justice or at the very least what I put in. 


Please contact me at my cell number XXXX to discuss further.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( 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: Credit reporting, credit repair services, or other personal consumer reports

inquiries was not done by me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( ON THE REPORT 2 TIMES ) EQUIFAX XXXX XXXX ( ON THE REPORT 3TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXXXXXX ( ON THE REPORT 3 TIMES ) XXXX EQUIFAX XXXX ( ON THE REPORT 3TIMES ) XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX EQUIFAX CONTINUES TO REPORT FRAUDULENT INFORMATION ON ADDRESSES THAT DO NOT BELONG TO ME AND WHERE THOSE ADDRESSES WHERE USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. NEVER HAVE I LIVED AT THESE ADDRESSES ON MY CREDIT REPORT EXCEPT FOR MY HOME I'VED LIVED AT SINCE 2004. THIS IS A TOTAL INCONVIENCE OF THE INACCURATE REPORTING AND THEN BEING ON THE LIST OF THOSE MILLIONS AFFECTED BY THE EQUIFAX DATA BREACH. THEY REFUSE TO CORRECT THEIR ERROR AND MAKE THINGS RIGHT. I HAVENT BEEN ABLE TO RECEIVE AN UPDATED EQUIFAX REPORT AS REQUESTED. IM TIRED OF ALL THE SHENANIGANS DEALING WITH EQUIFAX THATS WHY IM FILING THIS WITH YOU ALL AND MY NEXT STEP IS THE FTC AND THE XXXX AND THE ATTORNEY GENERALS OFFICE IN XXXX GA TO GET THESE MATTERS RESOLVED.
Product: Checking or savings account

Comerica banks direct Express card for ssi benefits is impossible to get ahold of a lice person for the last 3 days I cant. I been on hold over 2 hrs  just to be hung up on eventually after no help. I've tried every Avenue through the service. Its saying my pin is lost and my card # invalid, all false. I can not use my card it's not working I cant see a balance, nothing, ssi says it's the cards fault. My rent is due. I'm gon na be homeless.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for XXXX Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX Bank, the issuance of a XXXX form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code XXXX defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a XXXX form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the XXXX Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was XXXX under Event Code XXXX or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required XXXX timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Debt collection

I went to XXXX on I think XX/XX/2022 to send my friends mother something for her birthday, I was in store on XXXX XXXX I paid for overnight services in cash. XXXX weeks later I get a letter from a credit agency for a debt owed through a XXXX XXXX corporate account, which I do not have, through further investigation they paid a large portion of the debt and left me with collection fees. I called on XX/XX/XXXX both XXXX XXXX  and the credit company, and XXXX XXXX  waived collection fees because of a some sort of billing error. Both companies I recorded calls from today.what I would like to know is why my credit report was in a jam for a debt I had nothing to do with???
Product: Debt collection

I have submitted in disputes after disputes with XXXX and nothing is getting done.. the date on the credit report is incorrect. The account is to old to be on credit report. Collection agency refuses to update with the correct information.