23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was trying to call PayPal due to problem I was having. An XXXX  seller shorted me {$21.00} from a refund. A purchase price of {$200.00} less a refund from the seller of {$180.00}. 
I XXXX  PayPays phone number. The number I found was in XXXX, Texas, XXXX XXXX. 
I reached a person that called himself, XXXX XXXX. Since I initiated the call to PayPal I did what XXXX XXXX instructed me to do. 
He said he needed verification of my XXXX  XXXX XXXX XXXX transfer account. 
I followed his instructions and entered an email address of XXXX. 
I asked why Im entering this email and once again he said he needed verification. 
He then said to enter the amount of my refund of {$200.00}. I kept asking him why am I entering an amount and an email when PayPay owes me a refund. He said that the amount would not be deducted from my account. Ten minutes later he said the amount was accidentally sent threw and deducted from my account. 
I filed a fraud claim for {$200.00} through XXXX  XXXX XXXX XXXX department on XX/XX/2020, the day this transaction took place.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my Citibank business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with Citibank through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. Citibank refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. BANKRUPTCY XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they debt me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting

A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with Transunion and supplied them with a copy of my police report, the account was removed. However, they re- inserted the entry without informing me- when the account does not belong to me.
Product: Debt collection

On XXXX XXXX, 2017, I tried to make my auto payment to SierraCredit.com ; however, the password reset and register option just would not let me do it. Unfortunately ; it was after hours ( I work until late ) and the office was not open to call. I called in on XXXX XXXX, 2017, and let them know the website still will not let me in and I need to make a payment. I called my mother whom was making this payment for me with her card and conferenced her in. First issue, was they just began talking to her without making sure I was who I said I was and second my mother asked if the late charge ( approx. {$16.00} ) could be waived as the website is down and she was told " nope ''. The unprofessional-ism in this company is astonishing. After the payment was made my mother had asked about being able to log on in the future since this late charge in no way should be charged to me and the rep did not offer to assist me getting logged in once. She stated she would put supervisor XXXX on the call. As we waited over 10 mins on silence another very unprofessional supervisor by the name of XXXX got on the line and continued to over talk my mother. She says to my mom XXXX is authorizing you in which I say I do ( again they dont check to see I am who I say ) At one point my mother said can you let me finish talking when XXXX responded " I was talking first ''. Where do they hire these people? My mother has been a manager for corporations for 20 years and if her staff spoke to anyone this way they 'd be out the door. My mother then asked XXXX to remove my only late charge in 17 payments. XXXX then told her that I have FIVE lates which is absolutely untrue and can prove it as my mother makes the payments for my every month on the XX/XX/XXXX ( my grace period is until the XX/XX/XXXX ). My mom ask where on the website does it say that, and XXXX responds its on the statement. Where? Im looking and it does not say that. XXXX stated if you make your payment on the weekend the grace period days arent counted because it will apply on Monday ( WHAT ) thats not legal at ALL. My mother then ask for one of those late charges to be waived and she again is told no. This will be going to an attorney as well. No one gave me my mini miranda which they should know is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Product: Debt collection

I have new and updated information regarding complaint number XXXX. Dunlap Gardiner provided false and misleading information alleging that complaints to the bureau are of the same manner. However, the complaints submitted detailed the facts of how Dunlap Gardiner has and continues to attempt to violate my rights as a consumer with its extortionate attempts to collect an alleged debt not owed. Dunlap Gardiner has also failed to provide the original instrument of indebtedness evidencing my wet ink signature or proof that this instrument exists upon numerous requests per previous complaints through the Bureau. Instead, Dunlap Gardiner abuses its authority as a debt collector by harassing me to coerce payment by making false statements, using false, misleading, and deceptive documents alleging that an agreement was made without providing proof of their alleged claims. A debt collector does not have the right to state that a consumer owes anything. In closing, law isnt about someones belief, opinion, or feeling, law is about what can be proven, and each complaint submitted is detailed proof of how my rights as a consumer was and continues to be violated by this debt collector. The purpose of the FDCPA is to eliminate such abusive, deceptive, and unfair debt collection practices in order to protect consumers from such abusive and predatory acts as displayed by Dunlap Gardiner and its client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to your current investigation that took place in my credit record. Again I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the account I dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 


This account inaccurate or incomplete because the account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information in my personal credit report. XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/23 i contacted chime bank about the legal name change i sent over 75 emais and the refuesed a court order and never updated my acoout name
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached several documents for your review showing that the credit reporting agency are violating my consumer protection rights by reporting Fraudulent/ Incomplete & inaccurate information in my consumer report. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my consumer rights, damaging my creditworthiness, & sabotaging any chances of securing a new home for my family. Im currently trying to rent/buy a home for me and my family but inaccurate information on my Equifax credit report is preventing me from doing that. Equifax is not using reasonable procedures to assure maximum possible accuracy of information on my consumer credit report. 
The alleged account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ). 

There is no proof and/or documentation this alleged debt belongs to me. I even sent written communication directly to the debt collector and they were unable to provide me any validation of this debt pursuant to FDCPA. If the debt collector is unable to validate the alleged debt how is Equifax able to verify this debt? I sent written communication to attempt to resolve this issue with Equifax but they refuse me a proper investigation pursuant to the FCRA. I asked in my written letter to Equifax to be provided with verifiable proof of the alleged debts and the procedure used to determine the accuracy and completeness of the information. Im invoking my specified remedy as a consumer. I demand this account is immediately deleted. Once deleted I demand an updated credit report be sent to any person you furnished my credit report to within the last 12 months. Im looking to move my family into a new home in the next 30 days ; an expedited response will be truly appreciated! 

See attached documents : Exhibit A - proof of written communication to Equifax.
Product: Mortgage

Hi, I bought my home from XXXX XXXX. Later, they transferred the loan to XXXX ' provider in XX/XX/2021 after 2 months of closing. Do you have any contacts in XXXX to speak regarding an Escalation issue about Private Mortgage Insurance ( PMI )? Please reply to me if you have any contacts. Thank you. 

Issue : XXXX is saying I need to pay PMI ( {$62.00} per month ) for atleast 2 years as per the Contract now. Then why did they ask me to pay the 78 % mark of loan cost so soon within 6 months of closing my home. I have been cheated. Please help in this issue. 

Payments : XX/XX/2021 Curtailment {$40000.00} XX/XX/2021 Curtailment {$6100.00} Website : XXXX XXXX Customer Service # XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX  XX/XX/year> XXXX  XXXX BALANCED {$710.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

I don't know. I just got a letter in the mail from Chase stating that I owe XXXX dollars ; and this is the second letter I received. I'm only XXXX, and have never been to a Chase or applied for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows that a XXXX XXXX XXXX card was opened into my account in XXXX 2022. I launched a dispute online at Experian that I don't have a XXXX XXXX XXXX card, nor did I open this account. My credit has been hurt because they are showing late payments. I will sue them for damages if they don't remove it immediately. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Open. {$70.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$92.00} XXXX updated XX/XX/2022
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX XXXX Account # XXXX Bal : {$9400.00} 2. XXXX CARD ACCOUNT # XXXX BAL : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card, made a fraudulent statement on my account the first is on XX/XX/XXXX {$280.00} and the other is XX/XX/XXXX XXXX where they posted as the minimum payment owed. they also stated I made an transaction I'd never made and charged me extra on payments which forced me into an over limit fees. I tried to explained to them that on XX/XX/XXXX I never made an {$100.00} atm purchase in the XXXX on XX/XX/XXXX where they intentionally altered the statement. I told them I wasn't even in the XXXX nor used the card for XX/XX/XXXX. I was on the phone for over an hour disputing my case with representatives and supervisors to adjust the error to no avail and they hung up the phone. On XXXX they showed on my credit report there's no availability for XXXX for XXXX  and XXXX  where I have the statement. My last transaction was XX/XX/XXXX and I made an payment of {$150.00} on the XX/XX/XXXX my last payment. By the XXXX they said I had {$75.00} credit available but balance was {$220.00} after paying {$150.00} on the XXXX with no further card transactions? They also stated on XXXX of XXXX an XXXX charge of XXXX was on my account for that month when I even didn't have one and the only transaction from XXXX was on XX/XX/XXXX. 
I will provide their statements, my statements and my time card punch out to contrast the time.
Product: Mortgage

I have written to Specialized Loan Services, LLC to obtain documents associated with my refi loan. As I understand it, when loans are transferred from one lender to the next, all of the documentation goes to the 'new ' lender. 

As such, I would like to obtain copies of the following documents : 1. all of the originating loan docs from my refi with XXXX 2. the payoff disclosure statement from XXXX, stating the exact payoff amount remaining from the previous loan - this money was folding into my refi 3. a  copy of the cancelled check and or electronic payment showing payoff of the remaining balance for the XXXX loan Please provide me with this information. Thanks.
Product: Credit reporting or other personal consumer reports

I never gave consent for the credit bureaus to share my information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

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: Checking or savings account

I went to my local Chase bank ATM. And deposited XXXX cash. I then receipt a notice saying to call the bank to verify the transaction went thru, which it did not. I tried XXXX another payment immediately after thinking the money was stuck in the machine but it wasnt. So not XXXX is gone. Bills can not get paid. I was transferred to a man in the XXXX who told me he couldnt help me and call back.
Product: Debt collection

Notice of Failure to Respond to Debt Validation Letter, Dear FMA Alliance, My name is XXXX XXXX. I spoke with your representative last Thursday, XX/XX/year>, at XXXXXXXX XXXX  ( ET ). I returned the call to ascertain the nature of your business. I was told that I had to give the last four numbers of my SSN and my birthdate, or you could not give me any information. I did so. However, you did not have my correct address and identified the debt as a debt from XXXX XXXX XXXX. Today, XX/XX/year>, at XXXXXXXX XXXX  and after you have not sent the letter via mail or email. That exceeds the five-day window outlined here, which means you are in violation of federal law. Please note this is not five business days but five days from the first communication. 
I respectfully request you immediately void this alleged debt and remove it from my credit report. I will file a new report with the CFPB today. XX/XX/year> and contact my attorney general for the State of Michigan for violating Federal Law of the FDCPA XXXX : As required by Federal Law of the FDCPA XXXX : ( i ) By sending the consumer a validation notice in the manner required by XXXX : ( A ) In the initial communication, as defined in paragraph ( b ) ( XXXX ) of this section ; or ( B ) Within XXXX days of that initial communication ; or ( ii ) By providing the validation information orally in the initial communication. 
( XXXX ) Exception. A debt collector who otherwise would be required to send a validation notice pursuant to paragraph ( a ) ( XXXX ) ( i ) ( B ) of this section is not required to do so if the consumer has paid the debt prior to the time that paragraph ( a ) ( XXXX ) ( i ) ( B ) of this section would require the validation notice to be sent. 
( b ) Definitions. For purposes of this section : ( XXXX ) XXXX and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. 
( XXXX ) Initial communication means the first time that, in connection with the collection of a debt, a debt collector conveys information, directly or indirectly, regarding the debt to the consumer, other than a communication in the form of a formal pleading in a civil action, or any form or notice that does not relate to the collection of the debt and is expressly required by law Sincerely, XXXX XXXX
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  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, also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.