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

On XX/XX/year>, I reviewed my consumer credit report and noticed that XXXX Bank XXXX, the issuer of the XXXX Card, continues to report inaccurate information despite multiple disputes. Specifically, the bank has incorrectly reported XXXX late payments ( XXXX and XX/XX/year> ), which were previously resolved and should not have been reinserted onto my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits the reinsertion of previously disputed and unverified information. 

In addition to the credit reporting inaccuracies, I had previously reported fraudulent activity on my Apple Card account, which the bank investigated without notifying or involving me, as required under the Electronic Fund Transfer Act ( EFTA ). The bank 's investigation concluded that the disputed transactions were valid, but I never consented to or received notice of the investigation 's progress or outcome, which violates my rights under 15 U.S.C. 1693m. 

On XX/XX/year>, I was contacted by XXXX Bank XXXX via phone without my authorization. This unsolicited communication violates my rights under the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, as I had not given the bank consent to contact me by phone regarding this matter. 

Furthermore, XXXX Bank XXXX has failed to correct the inaccuracies on my report, despite acknowledging these errors during a previous dispute process. The banks actions have caused significant damage to my credit score and have led to financial harm, including difficulties in obtaining credit and higher interest rates.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding, LLC XXXX, SC XXXX XXXX Subject : Dispute of Debt 15 USC 1692g Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt referenced in your letter. ( Account XXXX : XXXX ). Please be advised that, in accordance with 15 U.S. Code 1692g, I am formally disputing the validity of this debt. 

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Therefore, I respectfully request the following : 1. Proof of the debt : A copy of the original contract or agreement, or other documentation showing that I am legally obligated to repay the debt.

2. Account history : A detailed statement showing the amount you are claiming, including any charges, fees, or interest applied.

3. Verification of your authority : Proof that you are authorized to collect on this debt, such as evidence that you are the original creditor or have been assigned the debt. 

Please be aware that under 15 U.S. Code 1692g ( b ), your collection efforts must cease until you have provided the requested verification. Additionally, if you fail to validate this debt within 30 days from the receipt of this letter, you are required to cease any further collection activities and remove the information related to this debt from my credit report. 

This letter is sent to ensure my rights under the Fair Debt Collection Practices Act are upheld. Kindly acknowledge receipt of this letter and provide the requested information in a timely manner. 

If you fail to provide the necessary validation of the debt, I will take appropriate actions to report your violation of the FDCPA to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I dont know who this company is and they keep sending collection letters to my relatives addresses. These letters are obviously harassing me and I dont think its right. They have no right to be sending letters to people related to me when I dont live there. They are making me feel threatened. I will be speaking to an attorney for harassment. I am no expert when it comes to legal stuff. But i know that I could file charges against them for harassment. I have never had an outstanding balance with XXXX. Their merchandise was obviously returned. And its been like 6 yrs that I havent been to any of their stores.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION THIS IS A FACTUAL DISPUTE you have my account blocked due to a disputed case { not sure if that's legal } anyway on my XXXX XXXX report you state I have 2 collections XXXX and XXXX show none Please remove all collection you are showing as per the other credit reporting companies enclosed are there reports stating NO COLLECTIONS please do the same
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has run a background check on me. They have already completed the check, XXXX is not complaining so far as I know. It is me, XXXX XXXX making the complaint for incorrect information in the report which was sent me by XXXX. 

In the report I contest or question the following : 1. ) The names ( " Also Known As '' ( AKA ) ) that are unknown to me and were never used by me are as follows : " XXXX XXXX. XXXX '', " XXXX XXXX. XXXX '', " XXXX XXXX XXXX '', " XXXX XXXX. XXXX '', " XXXX XXXX, XXXX. XXXX '', " XXXX XXXX, XXXX XXXX ''. 

2. ) The following Addresses are unknown to me and I was never living at the addresses as written and described as follows : XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX, XXXX  XXXX, NY, XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX ; XXXX XXXX, XXXX, NY XXXX. 

Yours Truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not give authorization for XXXX XXXX  to submit my financial information for a loan or refinance. I got notice that I was denied for something I did not apply. This is an unsolicited inquiry on my credit
Product: Money transfer, virtual currency, or money service

I just opened an account with PayPal last week. PayPal email is XXXX, I successfully completed 2 transactions and both transactions they had a hold placed on it. Yesterday my friend loaned me some funds so that I can pay some of my bills and rent and I wasnt able to transfer funds to my bank account. I tried to get help from chat support but they couldnt help me, and placed my account on limited access. I cant access my funds at this point. They wanted me to verify my identity and bank card which I did, and after verifying my account I received an email saying PayPal close me account and any funds in my account will be on hold for 180 days. I cant wait 6 months for funds that I need to pay my bills right now. They close my account with out an explanation as to why! At this point I dont care about using their service anymore and I just want to be able to withdraw my funds out and move on from this! This is not right and feels like a scam.
Product: Mortgage

In XXXX of XXXX we applied for a hardship loan from Citimortgage due to XXXX loss of a job and a decrease of the home value due to the recession. The loan was declined since we were not in default or imminent danger of default. We continued to pay the mortgage out of our retirement savings. From XXXX XXXX through XXXX XXXX the loan was being processed by Citi. Every week we called them for an update on the status, they continually asked us for additional paperwork, most of it duplicates from the original loan request. Over this period of time we were unable to pay on the loan thinking this would be processed in a timely manner and our interest rate would be reduced ( It was over 5 % ). Citi assured us every week that the loan was in final review. On XXXX XXXX, XXXX we received a phone call from Citi stating our loan was NOT approved, due to " Quality Control. '' We requested a written notification multiple times but never received anything from Citi. On XXXX XXXX, they sent us a payoff balance and a foreclosure date within 15 days. We had to borrow the money to avoid foreclosure. Of course our credit has been seriously damaged even though the arrears were paid and the home was eventually sold in XXXX XXXX. Because of lack of transparency and the misrepresentation of Citi we suffer financial losses and our credit is damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed in XXXX, XXXX, and XXXX of 2020 with Experian and XXXX credit bureaus about verifying the account of XXXX XXXX account # XXXX. I asked for verification with XXXX XXXX account # XXXX, and I received no response from them all three times. Experian and XXXX  replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S.Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Payday loan, title loan, personal loan, or advance loan

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 16811 once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

XXXX {$1000.00} *written off XXXX XXXX XXXXXXXX {$6000.00} *charged off XXXX {$1900.00} *Charged off XXXX {$4000.00} *Paid in settlement XXXX  *Transferred & closed XXXX XXXX {$330.00} XXXX off These XXXX shouldn't still show up on my credit report hard or soft inquiries. This debt occurred after becoming XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for unlawfully reporting XXXX XXXX  accounts on my credit report. This violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Legal Violations by TransUnion : Violation of FDCPA ( 15 U.S.C. 1692c ( b ) ) Third parties are prohibited from communicating my debt balance without my consent unless they have a legal right to collect. I have no signed contract with XXXX XXXX, meaning they lack standing to disclose, collect, or report this debt. 
Violation of FCRA ( 15 U.S.C. 1681s-2 ( b ) ) TransUnion is responsible for ensuring all reported information is accurate, complete, and verifiable. Reporting an account from an entity without legal authority to collect is a violation of this duty. 
I previously disputed this account with TransUnion, yet they failed to conduct a proper investigation or remove the unauthorized collection. Their actions constitute negligence and noncompliance with federal law. 

Requested Action : I request the immediate removal of all XXXX XXXX accounts from my credit report. If TransUnion can not verify XXXX  legal right to collect, they must delete the account immediately. 

Please investigate this matter and take appropriate action to hold TransUnion accountable for its failure to comply with federal law. I look forward to an update regarding the resolution of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Number Date Opened Last Activity Original Creditor Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open Individual {$4800.00} {$4800.00} Collection/Charge-off Comments Collection/Charge-off Placed For Collection Account Number Date Opened Last Activity Original Creditor XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$840.00} Unpaid Balance {$840.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Collection/Charge-off Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXS Status Open Type Individual High Balance {$2000.00} Unpaid Balance {$2000.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Consumer Disputes This Account Information, Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Number XXXX Account Status Open Date Last Activity Type XXXX XXXX XXXX XX/XX/XXXX Days Late Month 's Reviewed Term Source Type High Balance High Credit XXXX Open XX/XX/XXXX XXXX XXXX Credit Card Individual XXXX XXXX Provided {$590.00} {$590.00} Creditor Information XXXX po box XXXX XXXX, XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I had service at XXXXXXXX XXXX XXXXXXXX in XX/XX/year>. The service was very expensive. There was a promo flyer on the counter to apply for a XXXX credit card with no interest financing for 6 months. I applied and was approved. I received my statement the XXXX month and paid {$100.00}. The next month I was charged a finance charge. I contacted them and they stated they " would investigate ''. I received my statement again this month and was charged another finance charge of {$26.00}. I immediately called them again and was not helped. I was told that this was still under investigation and to contact my bank. So frustrated I opted to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter for inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that late payment be deleted immediately or I will file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written mutiple times to XXXX XXXX, XXXX, and equifax in the past 8 months regarding this account. I have never received any responses back nor have they marked in the comments in the report that this account is in dispute,,, ,they have flat out ignored my requests ... .by law they should have done both ... i do not recall ever having a loan in my life ... ..im looking at the reporting and its all over the place too ... .it seems this avvount has been re aged, look at the date of last payment that is illegal ... the high credit limits are way different, it is a charge off with a balance ... .these are all violations and this is not even mine ... .this is my final attempt for them to correct this before contacting an attorney and the state attorney general
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$11.00} Bankruptcy : XXXX XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of HIPPA LAW REPORTING MEDICAL COLLECTIONS ON MY CONSUMER REPORT WHICH IS ILLEGAL
Product: Credit reporting, credit repair services, or other personal consumer reports

Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after 1st week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.
Product: Debt collection

I had repeatedly asked the company to send me proof that I owed the debt and they refused to send a letter stating they sent to to an old address. They also cursed me out, called me names and said I would be arrested if I didnt pay them. I asked for a certified mail to prove I owed the debt. The collectors sounded like scam artists and asked for my social security number, mothers maiden name, birth place and bank account information. They could not provide me full information of the debt and they refused multiple times to verify the debt with me and send me a letter so I could pay the debt with a money order and not my personal bank account
Product: Credit card or prepaid card

I purchased a XXXX XXXXXXXX machine from Amazon for XXXX on XX/XX/2021. The machine never arrived. I contacted Amazon several times. Finally Amazon stated that they were going to refund the money to my Amazon Credit Credit Card. I still have not received my refund. I'm still being billed for merchandise that I never received
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud invoice stating I owe money from paypal
Product: Checking or savings account

They company capital one owes me a direct deposit from my work XXXX XXXX XXXX, I usually receive it on XXXX XXXX XXXX. They have withheld my funds and may other Americans with no authorization to. Customers were promised that day XX/XX/year> approximately XXXX we would revive out deposits. This is beyond in acceptable. Now they are refusing to answer my calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several disputes online with Experian regarding an inaccurate 30 day late for XX/XX/2021 with XXXX. In my disputes, I was not able to submit evidence supporting the inaccuracy. I have a statement from XX/XX/2021 showing {$0.00} past due from XXXX. This inaccuracy is negatively impacting my XXXX XXXX and affecting my ability to borrow and increasing my costs of borrowing. I have also sent a certified letter with no response from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX. You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy ofmy credit report when the above deletion has been removed.
Product: Credit reporting or other personal consumer reports

These are not my accounts and should not be on my credit report. I needed these to be remove right away. 

XXXXXXXX XXXX XXXXXXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) - Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ) XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$240.00} ; XXXX XXXX ; XXXX XXXX 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 XXXX XXXX
Product: Mortgage

Newrez knew I was getting refined they dragged their feet on getting the pay off to the new company took a month than no other XXXX tried to take out XXXX out of my account, there was no authorization to do so. This caused my account to to be charged XXXX XXXX XXXX XXXX