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

I have disputed this account with XXXX, EQUIFAX AND XXXX  and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX. XXXX, EQUIFAX AND XXXX. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!
Product: Debt collection

Harris & Harris , LTD has committed fraud and violated my rights as a consumer. On XXXX XXXX, XXXX, I requested validation from 15 US Code 1692g ( B ). H & H was unable to validate the alleged debt. On XX/XX/2021. I filed a CFPB complaint. The Complaint number is XXXX. On XX/XX/2021 H & H responded to CFPB Complaint number XXXX stating that " Unfortunately we have not yet received the information regarding your accounts from the MD-CCU. Once that information is received it will be provided to you at the email you included in your complaint. '' This was multiple violations to my rights as a consumer. Fact, under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts Under the Fair Debt Collection Practices Act ( FDCPA ) collection agent that can not validate a debt may not collect it or report it to the credit reporting agencies. Fact, 15 U.S. Code 1692c ( b ) Communication with third parties a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. On XX/XX/2021 I sent a Cease and Desist letter. There was no response. On XX/XX/2021, I sent an Affidavit of Truth notarized certified mail to H & H there was no response.
Product: Debt collection

XXXX XXXX XXXX I ask Midland to provide me with documentation that this debt was mines and all They did was send a pre-legal notice that tell me a snippet of they debt. 
on XXXX, I sent the furshier XXXX notice to verify the debt and they send it to Midland and today on XX/XX/21 they send me a copy of a 1 of my statement saying this debt is accurate according to there records.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a fraudulent credit card in my name with out my authorization. I have contacted the merchant several times and finally got it closed but it is still reporting as closed on my credit report. This is not my account and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

The correspondence of this letter is due to TransUnion and Equifax failure to adhere to FDCPA regulations and my rights. On XX/XX/year>, I contacted XXXX requesting for debt verification and proof of the debt and all of its information. It was not received, in fact it was deemed to be a duplicate letter and it wasnt. The company ultimately forfeited their obligation to provide me information. On XX/XX/year> I contacted them and the credit bureaus stating that the verification was not provided and that I wanted the debt deleted. TransUnion has failed to conduct a proper investigation TWO TIMES in less than two weeks of me submitting my dispute and providing them details, as well as Equifax. I am so tired of the robotic, bare minimum, surface level the debt has been verified as accurate results. 
This is a violation according to The Fair Debt Collection Practices Act, where debt verification is enforced through 15 U.S. Code 1692g, which REQUIRES debt collectors to obtain and provide verification of the debt or a copy of a judgment if a consumer disputes the debt. I have disputed the debt and requested the verification and no one is being held accountable to their roles of deleting this debt. XXXX had the obligation of : Stopping their collection efforts until the debt was verified. And didnt. Obtaining verification of the debt or a copy of a judgment and sending that verification or judgment to me as the consumer. And didnt. They were supposed to provide the name and address of the original creditor, in addition to all information I requested previously about the amount and age of the debt, the original loan agreement, proof of assignment, and all fees incurred and itemization of the debt. NOTHING was provided to me, not one of those things. Instead XXXX responded with no response by dismissing my request as a duplicate, when a comprehensive reading eyes could see that it wasnt. I will not continue to be nice about this situation when I am clearly being overlooked. I want this account to cease reporting and I want it deleted from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XXXX XXXX, 2024, I identified the following discrepancies : XXXX. Name The report incorrectly lists an alternate name that I do not use : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach, my personal information was sold and bought illegally, causing fraud on my Equifax credit report. I want to have items deleted from my report immediately. I'm attaching proof that Equifax has admitted that i was in fact a victim of this data breach.
Product: Credit card or prepaid card

Discover 's fraud department had credited {$3900.00} during the monthly statement of XX/XX/XXXX- XX/XX/XXXX. 
The balance as of todays date still does not reflect the credit for the fraud and or unauthorized transactions. 
We refuse to pay for transactions that were not authorized by us, nor made by us and never benefited from those fraud and or unauthorized transactions. 
The Discover account needs to be properly credited from those fraud and or unauthorized transactions plus any fees associated with those transactions and any interest that Discover had applied. 
I've contacted the fraud department several times and even 6 years later, the dispute has not been fully resolved. 
The most recent contact with Discover was in XXXX XXXX. I spoke with XXXX in the Discover Charge Off Department explaining that the entire balance Due is of Fraud and or Unauthorized charges/transactions. 
I explained to XXXX that the fraud department has been negligent to properly credit all fraud and or unauthorized transactions. That I have been dealing with the fraud department for years and will no longer contact them since they aren't doing their job. 
I also explained that we will not pay for any charges/transactions that we did not authorize, nor make and most certainly didn't benefit from. 
As of XX/XX/XXXX, there has been absolutely no contact from Discover from my call in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues that need to be addressed according to the letter attached
Product: Debt collection

in XXXX XXXX, i transferred my account from XXXX XXXX into XXXX XXXX XXXX which # were XXXX and XXXX- XXXX- XXXX. i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for the # XXXX, and i brought with me an XXXX XXXX XXXX that i purchased from XXXX XXXX. at the XXXX XXXX XXXX store, i was told that the phone # ends XXXX can not transferred because XXXX XXXX did not release the # therefore, they gave a different # to replace the XXXX which is XXXX- XXXX-XXXX, and also told that the phone # XXXX XXXX XXXX is no longer in service. when i contacted XXXX XXXX XXXX regarding the bill that the sent me, the representative told me that the # is not in used, but i still need to make the payment because the line is open {$81.00}
Product: Checking or savings account

I received an email that my account was closing on XXXX XXXX and would be receiving a cashiers check on XX/XX/24. Today XXXX XX/XX/24 I received an email that my account has extended the closure of my account until XX/XX/24. When I contacted loss prevention they seem to not be able to give me an honest answer of when is my account going to close and when I contacted Wells fargo Excutive Department, they were unaware of my account being reactivated again, As of now I am deeply in debt for not being able to pay for basic necessities for my family and myself. Wells Fargo is keeping close to {$29000.00} of my personal money.
Product: Checking or savings account

i ordered a XXXX gaming headset and a microphone from XXXX XXXX using paypal. I instead received two microphones. I then contacted XXXX XXXX to return the wrong item and they sent me a ups return label. i also already returned the other microphone and got the refund for that. I then waited weeks for them to keep telling me that the return has been received and that i would receive my refund. I then made a dispute with paypal since i never got the refund. MY case was denied because " PayPal Purchase Protection only covers goods or services that werent delivered or are not as described '' which doesnt make sense because thats the exact reason i filed the case and i even gave all the evidence showing the wrong item i got and the return tracking number for the XXXX  return. I then filed an appeal because that didnt even make sense on why my claim was denied. Then the appeal took over 3 months to finally tell me that " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we have found no evidence that the item was misrepresented '' which is crazy because i provided all of the proof. Paypal talks about how great their purchase protection is and in reality its terrible with terrible customer service. Not even helping a customer that not only using the payment service but even showed every bit of evidence required and asked of me. 
Transaction information Dispute Case ID XXXX Transaction Amount {$420.00} USD Dispute Amount {$290.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an XXXX XXXX account. It should be coming off in XXXX as that is 7 years from the date of first delinquency. However Experian is stating it wont come off until XXXX? 13 years after the account was closed? They refuse to fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX, are penalizing me via continued poor credit report based on fraudulent charges on a chase bank card. My disputes with the credit bureaus were closed prematurely due to the fact that the investigation within XXXX bank are ongoing. I should not be penalized until charges can be authenticated. XXXX bank is still in the process of attempting to do that. My complaint is that the credit bureaus ( Equifax, XXXX, XXXX ) are wrongly and knowingly reporting unsubstantiated claims by XXXX Bank. Account XXXX. {$1800.00}
Product: Debt collection

Received a letter from Amerifinancial Solutions advising of collection amount in {$630.00} and not verifying the debt was owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, TRANSUNION, AND XXXX on XX/XX/2022 and XX/XX/2022 and its been well over 30 days and I still haven't received anything stating why these collection aren't removed. According to 15 USC 1681 I ( A ) ( I ) ( A ) XXXX, TRANSUNION, AND XXXX have 30 days to respond to my dispute this is a VIOLATION of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and they're adversely affecting my lively hood. 
account # XXXX. 
account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.
Product: Mortgage

since XXXX XXXX I have been attempting to pay additional principal on my mortgage and it consistently gets applied to additional payments and the interest is being applied to future payments or the payment dates are not being back dated correctly.
Product: Debt collection

I CHECKED MY EQUIFAX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX CONTACT PERSON XXXX XXXX XXXX XXXX ). EQUIFAX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with Avid Acceptance LLC with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with Avid Acceptance LLC in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX  bankruptcy. I have submitted all documentation several times and neither XXXX  nor XXXX will correct this
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I recently received a new credit report for EXPERIAN. 

I found some inquiries that I don't recognize, and I would like for EXPERIAN to delete all those inquiries from my report.
Product: Consumer Loan

Incorrectly reported payments and lates. Then wrote the issue off once I paid the loan completely off to avoid further mistakes. Payments were made on time and for more then the monthly required payment. Because payments were made in the branch, they were applied incorrectly and no problem was ever advised to me as the consumer.
Product: Mortgage

IndyMac/ One West / Douche Bank committed fiduciary practices and illegal XXXX signing. 
I was paying {$5000.00} a month for a {$420.00} dollar loan. When I ask them to restructure my loan to reduce the monthly payment and receive a lower interest rate, they told me the only way would be to default on my loan. At the time I owned a transportation company that was doing well until XXXX and the gas prices started to increase and airlines were filing bankruptcy. In order to adapt to the changes, I needed to restructure the business. After questioning IndyMac 's offer to default on my loan to reduce payment. They convinced me by telling me nothing will be affected, and I would only have to default on XXXX payments, in order to receive a loan modification. Well here I am about to lose my home that I worked so hard for. My business was ruined after I missed the XXXX payment. As soon as my creditors found out I had missed my payment, that was the beginning of the end for my business. I lost everything because of my lender, and have been fighting for my life, my whole world changed and my wife and children have suffered andsacrificed to try to stay in the home they grew up in. I even tried to hire a attorney from The XXXX XXXX XXXX XXXX who ended up in receivership after one and a half years. One week before they told me that I had a 90 % chance of recovering damages from a tort litigation law suit in my name that is still filed in NJ court system. I received a email from the Florida district attorneys office informing me that myself and XXXX XXXX of there clients have just lost XXXX XXXX dollars each, plus monthly fees totaling millions to these criminals. They were a legitimate law group before I gave them our last savings, including my Son and Daughter 's college savings and then they screwed us. I even checked them out with Congressman XXXX office and Senator XXXX XXXX office. Indy Mac and company ruined my life, business and my family 's future. This is the short version, I was also audited by the IRS and XXXX after the default and had to file Chapter XXXX lost my business that I worked and sacrificed so hard to build. I have worked form the age of XXXX with my family business and was thought to work hard and be honest. With all of this happening and more my father is XXXX and my mother has XXXX. I cant make this up, I just turned XXXXyear old and have been fighting every day for the past several years. 'PLESE HELP ME SAVE MY FAMILY ' I am tired and frustrated I have worked hard all my life, XXXX trades and always tried to teach my kids about being helpful, respectful, and if you work hard good things will happen. I have XXXX great kids who are doing well academically my daughter is XXXX and my son isXXXX I have nothing left for them but hope. 
Thank You
Product: Credit card or prepaid card

Chase fraud department contacted ME and advised ME that THEY decided to shut down my account due to fraudulent charges being charged on my business account. They credited the funds back. 2 weeks later the charges were back. They concluded I used the card in person. Of course I did not. Charge history would show I fill my car up at the same gas station closest to my house for the last three years. However, After speaking with them and then following all directions including having to provide my cell phone location records to show evidence that I was not in the state of the time of purchase, Chase still decided I made the purchase in person. In the ongoing effort to get my money back Ive now realized that Chase is no longer trying to assist me but blame me and continue to remove the charges and then place the charges on my account again seemingly every pay period. So now every pay period Im calling begging to get my money back to pay my bills on time. This will be the last time I will stress out over not being able to pay my bills. 
Chase has decided no matter what I prove that I will be the loser here and that I will have to pay for someone else scamming me. No protection from the bank. 
Here are the fraudulent charges they refuse to credit back to me. 

XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Method - online, mail or phone Category- Gas
Product: Credit card

I opened a XXXX XXXX card account in XXXX and received my card and activated it. I called Chase and asked them to move my available credit from an existing card to my new card as I wanted to make a large purchase. I then closed my old card account. 

On XX/XX/XXXX, I attempted to make the purchase. My card was declined. I called Chase and asked why my card was being declined. They could not figure out why it was being declined, It showed my credit limit of {$30000.00}, no outstanding balance, but XXXX available credit. Customer service could not see the transaction trying to post or be declined. They had to refer me to the fraud department. I spoke to the fraud department and they could not determine the status of the decline. I was then told by the fraud department that my case was with an escalation fraud team and they would have to call me back. I specifically asked if i would get a call back that day and was told yes. I was making a purchase that had a XXXX discount if I paid it in full on Friday the XXXX. I did not receive a call back on Friday. 

Today is Thursday XX/XX/XXXX and I still have not had a call back from ANYONE at Chase. So I called in today and closed my account. I will NEVER have another account at Chase. 

I lost the discount on the purchase I set this card up to make and again have NEVER gotten a call from Chase to explain why my card was declined. 

I opened this card in good faith and feel the Chase has treated my unfairly and by not receiving a call back or Chase being able to explain my account, they have deceived me. Now, I have an inquiry on my credit report for this card, and an opened and closed account will reflect. I have an excellent credit score, and this will affect it.
Product: Debt collection

With these specialists/leasers, this record had no record that consistently had a place with me. I have attempted a few times to reach them to request proof of proprietorship, however, they have not given me the imperative administrative work to show that I really own this record. Erase this on my report as it truly influences my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX, Equifax, and XXXX  XX/XX/XXXX, XXXX Credit reporting agencies are not reporting accurate and fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID theft victim XXXX, XXXX  and XXXX all have other data reporting reports that is unfair not notifying the consumer of other agency they use when we opt out of everything