23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX inaccurately on my experian report. It has not been updated since XX/XX/year>. The new balance is {$1400.00} as of XX/XX/year>. I ask that this be updated immediately. 

XXXX XXXX XXXX is listed inaccurately. The balance on this account was reduced and I only owe {$740.00} per our agreement. I can submit the letter that was forwarded to me. 

XXXX XXXX XXXX XXXX XXXX have reached out to ask this company what this is but have not received any type of validation or verification. I do not know what this is. It does not list the original creditor. It shows the status updated on XX/XX/year> and last paument made on XX/XX/year>, however, I have not made a payment because I do not know what this is. It says it was transferred and closed. I ask that this be removed because it has been more than XXXX  days and I have not received any type of correspondence stating what this is. 

XXXX XXXXXXXX Is listed inaccurately. I have reached out to the number provided on my report and requested written validation and verification but have not received anything from this company. I ask that it be removed as no verification or validation was sent within XXXX days and additional time to verify/validate has not been requested from this company. Please remove immediately. 

XXXX XXXX is listed inaccurately. It shows the original limit at {$850.00} but they are listing that I owe {$2500.00}. I have asked for verification and validation of this debt including all statements, agreements, monthly bills and have not received anything. They just keep sending emails requesting payment but they have not sent any information as to what the debt is. I ask that this be removed because they are not complying by sending the requested information. 

I keep receiving emails from collection agency true accord regarding an account XXXX. I sent a certified letter to them requesting validation and verification of the debt. They first claimed that they did not have an account for me back in XXXX then they responded in XX/XX/XXXX that they are still looking into it. It has been about XXXX months since I have heard anything. If any of the accounts listed above are in their possession, they should be removed at once because verification and validation have not been completed. I ask that they also stop all debt collection as they have not been able to verify any of the debts therefore anything pertaining to them should be removed and if it is not listed on my cvredit, they should not be able to list anything on my credit.
Product: Credit card or prepaid card

I went into XXXX XXXX on XX/XX/2021 to buy my wife a birthday gift. The store offered me a card for the purchase but I thought I already had one. When she confirmed that I did not already have a card I agreed to apply for their card. She did not give me an application to fill out but had me enter my social security number on an XXXX. She said I was approved and I purchased the item for {$510.00}. 

Today XX/XX/2021 I received a declination letter from Comenity on behalf of XXXX XXXX. It says I was denied due to my debt to income. It also states that my credit score was XXXX. 

First I was not aware that an application was sent to multiple banks and that I had been denied and second I was never asked for my income for the application. They only obtained my social security number. I was not provided a copy of the application, I was not asked to verify my info, I was not informed that my credit would be pulled by multiple financial institutions, I was not provided any disclosures or any information. 

I called XXXX XXXX and I spoke to the manager XXXX. She was very unhelpful, seemed unaware of how the credit process worked and claimed to not know what exactly is entailed when applying for one of the credit cards. I asked for a copy of my credit application and she stated they don't have them and can't help me. 

I also called Comenity bank and they told me I would have to submit to them a letter in writing and mail it for a copy of my credit application or anything related to the credit inquiry. 

No one is willing to help but they had no issue submitting my credit to multiple banks. They should not be offering credit services if they don't know and understand how it works.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reaching a debt settlement agreement in XXXX XXXX XXXX XXXX court, I commenced with the payments to American Express as scheduled. For the final payment, they applied my payment to the wrong account and commenced collections on that account as a result. I have repeatedly submitted check images, court discharge paperwork, records of all payments, and fulfillment of my debt to American Express directly, to all 3 major credit repositories, my credit counselling service ( XXXX XXXX XXXX  ), and to my legal counsel ( XXXX XXXX XXXX XXXX ) who claims to have confirmed the error with the opposing counsel at American Express. However, American Express has claimed a non-payment penalty every 30 days ( without sending notice to me ) for several years, reports non-payment and increasing outstanding balance to the credit repositories, and refuses to comply with the court ordered settlement agreement. My counsel doesn't respond to my inquiries. The credit repositories always find my requests for investigation in favor of American Express. With 3 years with a constant non-payment on my record, I have been denied refinancing my mortgage and increasing my credit limit with my remaining accounts multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS A FEW INACCURATE ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT YOU PLEASE HAVE THE ACCOUNTS INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Checking or savings account

I have Wells Fargo. On XXXX I move into my new apartment and went to XXXX and spend {$140.00} after checking my bank account and having {$1100.00}. The next day I went into the branch and was going to take {$170.00} out my account and there was only {$65.00} in there. I track my money very good. Between both my jobs I got paid {$2900.00}. After paying bills and buying a few things I ended up with {$65.00}. I called the bank and the lady was no help. She said if every thing looked good then everything was NOT if you do the math it clearly shows there is around {$500.00} missing from my account.
Product: Mortgage

I have dealt with Morgan Stanley Private Bank on numerous occasions. They charged me for insurance that I didn't need and have fought for years to correct it. I actually had someone tell me that I can't fix that because we didn't service the loan at that time even though MS via XXXX serviced the loan. I've had numerous phone calls lasting more than an hour trying to explain the situation to get it corrected and every time I call its like starting over. I have been told on at least 6 occasions a MSPB supervisor will call me back and have never once had anyone call me back. I requested a simple document three times and was told repeatedly it will be to you in 24-48 hours. Its a week later and it is holding up a refinance that I am doing. Are they doing it on purpose so I can not refinance? The service people do not have the ability to transfer you to a supervisor. Entire departments don't take phone calls. No one will accept responsibility to take care of their customers.
Product: Consumer Loan

I have requested gateway one lending to not call my cell phone several times. They continually call my cell phone up to 20 times a day .lravimg several messages. They also call and leave detailed information about the amount I owe with 3rd parties several times a day as well. Harassing me about payments.
Product: Credit reporting or other personal consumer reports

I have corresponded multiple times and made numerous attempts to address this matter. However, I have encountered considerable difficulty in finding resolution, as Equifax has provided inadequate assistance despite acknowledging the theft of my information. Furthermore, I have incurred significant expenses, including several XXXX dollars on certified mail, travel expenses for visits to their office, and numerous phone calls.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX  Account number XXXX XXXX  Account number XXXXXXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXXXXXX  Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number 9CXXXX 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 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: Debt collection

I not sure if I checked all of the correct prompts, but I keep getting mail for someone who does not live at my address. I have notified process servers and the postal carrier. I have sent back mail several times. I know that these mailings are an attempt to collect debt and contain court documents because XXXXne packet came in the mail open and just in a USPS clear bag. I have spoken to the addressee via a 3rd party neighbor, and she has confirmed that she has updated her address, yet this company keeps sending me her personal financial information. I know this to be a violation of the Financial privacy laws. Had I not contacted her, she would have likely missed important court dates as she now lives in another state.
Product: Mortgage

I had a mortgage and an home equity loan from Wells Fargo. I was attempting to locate the dates of when the mortgage had taken two mortgage payments from my account but the credit unioXXXX was brought out by another payment credit union. In additional I was always being charged additional fees. I was finally able to refinance with another company but i was there for years with XXXX  from that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This Company is reporting incorrect inaccuracies on my report! I have NEVER took a public report or judgement out! AVANTUS have not followed the FCRA GUIDELINES In properly deleting it! I do not have a public report nor judgement! They claim the information is validated by the credit Credit Bureaus but that is a not true because there is NO judgment or public report listed on experian, transunion, equifax. If this company is governed by the FCRA what are the method of verification used? Because it was told to me and the infomation listed is on their website they get/verify/validate with XXXX/XXXX/XXXX. None of the repositories listed have the information included on my personal report!! That information is NOT MINE AND unverified according to FCRA
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a phishing email ( that I didn't recognize as such at the time ). It was from a XXXX XXXX XXXX ( XXXX ). Attached was a message on Paypal letterhead claiming that it appeared that an unauthorized transaction was done using paypal for cryptocurrency in the amount of XXXX dollars. ( I had XXXX dollars in my paypal account. The paypal attachment said ( I can not copy it ) but can transcribe word for word the following : " We have noticed unauthorized transactions from your paypal account with reference to an amount of XXXX XXXX, which was charged today for XXXX XXXX. ( I had XXXX dollars in my paypal account ). 

If you are certain that you have not made this transaction, then please get in touch with us within the next XXXX hours via calling on XXXX XXXX : XXXX. Kindly inform us of the circumstances. Upon verification we will be able to refund the amount within XXXX hours from the time of reporting. 

TRANSACTION DETAILS : Product Name : XXXX XXXX Amount : XXXX Quantity : XXXX Trade ID : XXXX However, if no response is received within this time frame, then we'll be forced to charge you the full amount, and it willl be reflected on your account statement soon. 

If you didn't make this purchase, kindly contact our support team to cancel or to raise a refund at XXXX. 

We understand that saving money is important to you and we appreciate your time in keeping our account secure and safe for both sides. 

Thank you for choosing our service. 

Team Paypal '' ( Looking this over it is an obvious scam but I received this email at a very stressful pressure time in between jobs and i fell for it and called the number. ) on the call a XXXX claiming to be Paypal Security. He gave me his direct line : XXXX. I followed his instructions which were extremely confusing and time consuming. He claimed my info had been hacked and a loan was taken from Paypal by this hacker. He had me do things to " protect my identity '' on XXXX and Venmo. I discovered he was screen sharing and finally realized i was being scammed. I called my bank to report a fraudulent debit of XXXX dollars. My bank account was immediately frozen and later closed. My bank was familiar with this scam. I called Paypal and reported it. There is no one " XXXX '' in " Paypal Security ''. Paypal was also familiar with this scam. 

The scammer had used my Venmo account for this trick and Venmo is saying I owe XXXX dollars as no money transferred from my bank to Venmo. I had reported the scam to Venmo already. Venmo took the XXXX dollars in my account to partially cover the purchase and was demanding the remaining sum as they had " purchased the bitcoin for me since no money had transferred from my bank. '' Venmo suspended my account which is fine because I will never use them again. I have reported all of this to Venmo several times but they are still harassing me to pay them this money which I will not. Venmo has assured me that a " fraud XXXX will contact me but no one has. It is now XX/XX/XXXX and I am still getting demands to pay from Venmo> This makes them part of the scam.
Product: Consumer Loan

Wilshire consumer is overcharging me. The loan was to be finished in XXXX. They do n't send me statements due to a bankrupcy I did 3 yrs ago. I missed one payment I did not know about and instead of the loan coming to an end, I owe an additional {$2000.00}. They are making a lot of extra money because of this. They are cheating me. Others should know about this deceit.
Product: Debt collection

I am submitting this complaint because the credit reporting agency ( or reporting company ) did not fulfill my request for verification under 15 U.S.C. 1681i ( a ) ( 5 ), which requires the credit bureau to provide documentation confirming compliance with securitization and proper transfer protocols for a debt. Specifically, I requested that they verify the proper transfer and securitization documentation for the account in question, but instead, the only action taken was a general verification of the account information.

The response I received failed to provide the specific documentation related to the transfer of the debt and compliance with securitization protocols. This failure to provide the requested documents constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies investigate and provide adequate proof of compliance when requested. 

I disputed the account XXXX XXXX XXXX on the grounds that I needed verification of the debts compliance with proper transfer protocols, as required by law. I explicitly asked for documentation showing the proper chain of title, transfer, and compliance with securitization. However, the response I received only confirmed that the account information was accurate without addressing my specific request for such documentation. 

This lack of thorough investigation and failure to provide the requested documents is in direct violation of the Fair Credit Reporting Act ( FCRA ), which ensures that consumers are provided with accurate and complete information regarding the debts reported on their credit files.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 

The details of the fraudulent account are as follows : Account Name : XXXX XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account Name : XXXX Bankruptcy XXXX Account # : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX  Account Number : XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX NumberXXXX 
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 also states a consumer reporting agency can not furnish a account without written instructions. 
I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Debt collection

15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Vehicle loan or lease

I purchased this vehicle in XXXX through XXXX XXXX XXXX. During the signing I was told that I was to put down {$1500.00} and a trade of my XXXX XXXX. I informed them that I did not want the gap coverage. I was not only charged for gap coverage they added extra items onto my account such as warranties and auto maintenance coverage. I was not told they were adding these fees under financing. When my wife looked over my forms she discovered all these erroneous fees. Approximately a few weeks after purchasing my vehicle, the dealership went out of business. I contacted Credit Acceptance to ask them to remove and reimburse me for the fees charged. I was told that they don't refinance and that they can't take off the excessive fees and maintenance that I was charged. I have now retired and am XXXX and I can't continue making these extra fees. I would like an investigation into this and I would appreciate any assistance you could provide. Thank you!
Product: Debt collection

Agreement was reached to settle two separate debt accounts with XXXX XXXX. I purchased two separate certified checks through my bank on XX/XX/19 payable to XXXX, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to XXXX XXXX. I received confirmation that XXXX XXXX received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me.