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

The information was not clear as to if money was sent in error
Product: Credit reporting or other personal consumer reports

I am writing to seek the assistance from you in resolving a matter involving fraudulent items on my credit report. Despite my repeated attempts to rectify these issues directly with the credit reporting agencies and the respective financial institutions, these inaccuracies remain unresolved. I have identified several accounts on my credit report that are fraudulent and were opened without my knowledge or authorization. I have contacted the credit reporting agencies and the financial institutions involved to dispute these fraudulent items. I have provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. Despite these efforts, the fraudulent items remain on my credit report, causing significant damage to my credit file. With this, I am asking for your assistance for the immediate removal of all fraudulent items from my credit report and assurance that my credit report reflects accurate and up-to-date information. The presence of these fraudulent items on my credit report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting for your intervention to ensure that these inaccuracies are corrected promptly and that my credit report accurately reflects my credit history. These are the following items I want to remove : 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 XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX and Experian the last three years multiple time via phone mail and online Ive sent them both about 10 letters certified mail to make corrections and remove this incorrect information from my credit report they never do. I ask them to provide proof and validation regarding this they never do I also would like to where where they obtained this information from
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

XXXX XXXXXXXX -The company sent statements to an outdated address. They failed to update their records, resulting in errors. They have acknowledged these mistakes and indicated they would correct the inaccuracies. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
XXXX that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : TN XXXX OF XXXX XXXX  XXXX Account # : XXXX XXXX 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 a writing 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 antedate the report for seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hunter Warfield is the debt creditor The original Creditor is XXXX XXXX XXXX company is no longer open they sold their business to XXXXXXXX XXXX XXXX  My information was reported to the debt collection on XX/XX/2020 as of today the balance they say I is {$5200.00} I never sent in any information into this company, I never lived on any of their property, and I never authorized any one to use my name or any of my information for this property. This is fraud!!!!
Product: Debt collection

This letter is regarding debt you say I owe, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Act. Please note that I am requesting validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damage for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the fair Credit Reporting Act and fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purpose of 15 USC 1692 et seq., the Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claim. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, waiver status. 

XXXX XXXX
Product: Debt collection

On XX/XX/2018, an alleged fraudulent letter was received from an XXXX address claiming to be XXXX XXXX XXXX XXXX XXXX XXXX. City regulations require law enforcement to render assistance to a citizen without the possibility of payment. Ex-spouse neighbors, Business Partners, past acquaintances or Financial institutions or XXXX XXXX associates surfing the web discovered the incident and drafted a ponzi letter. On XX/XX/2018, attacked by ex-spouse I fled the scene to a convenient store who called the XXXX XXXX XXXX XXXX. They responded after the XXXX Sheriff Office called who observed my serious injuries. I was taken to XXXX XXXX given pain medications released and XXXX XXXX XXXX without due process @ XXXX XXXX XXXX. My ex-spouse and I was XXXX and released the next day. 
I called the alleged collector @ XXXX and stated that the circumstances surrounding the incident yet she requested I supply additional info. Since being terminated without cause as an associate with XXXX XXXX 's identity theft I've received hundreds of collection letters!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I opened a new account at Gemini XXXX XXXX ( https : //www.gemini.com/ ) online on XX/XX/XXXX. I deposited {$1000.00} cash into the account and brought about {$990.00} worth of XXXX under the exchange. I expected that I would be able to withdraw the crypto whenever its necessary. However I'm unable to do so. It gives me an error of security hold, but I've satisfied all of the company 's requirements and hold time. I have verified my account, made wired deposits from my bank, verified my identity by taking a picture with my drivers license and sent it to the customer service. The last message from their customer service was back on XX/XX/XXXX. They said they are working on removing the unreasonable restriction on my account, and I haven't heard from them since. Ticket # XXXX. I have followed up with them several times but they have not responded. Please help.
Product: Debt collection

I have a medical bill on my credit report. I carried state insurance at the time of the services. I contacted the doctors office and it was to be taken care of. Now its listed on my credit report. I called the debt collector and explained the situation and asked that it be disputed. She refused to dispute it and hung up on me. The creditor information isCredit Management Company ( XXXX ) XXXX am dumbfounded to be treated so rude and I am upset that my rights were refused.
Product: Credit reporting or other personal consumer reports

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


And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 i
Product: Credit reporting or other personal consumer reports

I ran a free credit report to make sure I would qualify to purchase my first home and was stressed and displaced to see so many inaccurate things on my credit report from all three credit bureaus. I've been in an emotional wreck after finding out that such companies that I never heard of nor did I do business with were reporting fraudulent negative items on my credit. I have requested that purchase agreements and contracts be sent to me to show full ownership of such accounts for my own viewing to see if such accounts actually belonged to me. Only I can verified if an account belongs to me! According to 15 U.S.C 1681 Law, there should not be damages on my credit report as it is a deformation of my character. This has left me in a financial burden as I am unable to apply for my first home loan. I owe no debt to these companies, they are violating my consumer right to privacy, and I didn't give no permission to report anything using my personal information.
Product: Money transfer, virtual currency, or money service

I have been a XXXX XXXX  client for over 10 years. I've never had an issue with invoicing, payments or other services provided. I do not understand the relationship between XXXX XXXX and WePay but I feel I have been questioned and honestly interrogated in order for them to release my funds. 
On XX/XX/XXXX - WePay deducted {$7100.00} from my client 's account for services provided by my company. 
On XX/XX/XXXX - My WePay account was closed. {$7100.00} was held, never released to me/deposited to my account or returned to the client. There was no explanation given as to why my account was closed because I never had any chargebacks or refunds. On the same day, I emailed WePay and asked how soon the client would be reimbursed their funds. XXXX XXXX responded " upon review we have determined that we will no longer be able to process payments for your XXXX XXXX payments account. All pending payments have been cancelled and any existing payments will be refunded to the payers ''. She also added " Due to the account being closed our Trust and Safety team proactively canceled. Any pending charges to your client 's credit card account will drop within 1-7 calendar days, depending on their credit card issuers processing time. 
During another email exchange on XX/XX/XXXX, XXXX at WePay support added that " any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. 
On XX/XX/XXXX I received an email from XXXX XXXX stating my client made a payment for {$7100.00}. How can he make a payment if the account is closed? 

This completely contradicts any fair business practices. 
The funds were in limbo for 5 days and they waited until XX/XX/XXXX to place the funds in reserve when they could have simply refunded the client 's money or deposited to my account. Why should the client or I have to wait 120 days for payment? The payment was retracted in one day. It should not take 4 months for me to receive payment. 

This delay is impacting my business operations and payment of bills/expenses.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran a Hard Inquiry without my consent XX/XX/. I tried contacting them to remove it, as well as TransUnion unsuccessfully. I have a a XXXX XXXX for over 2 years, and I didn't require another inquiry because I didn't apply for more XXXX  XXXX services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. SEQUIOIA FINANCIAL SERVICES has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with SEQUIOIA FINANCIAL SERVICES, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting SEQUIOIA FINANCIAXXXX SERVICES delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed three hard pulls on my credit report in a two day period ( two on XX/XX/18 and once again on XX/XX/18 ). Three hard pulls were not authorized. This is excessive and unnecessary
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Receivables Inc., is a debt collection agency is reporting to all three of my credit reporting agencies and they should NOT be! They are violating the FDCPA and should be sanctioned and told to remove their tradelines from my credit reports!
Product: Mortgage

My mortgage was with XXXX XXXX in XXXX  I had several problems with XXXX XXXX applying my mortgage payments correctly, XXXX XXXX became Old National bank XXXX and my mortgage was totally incorrect. I was current with my payment and several payment sat in the partial payment unapplied section of my account. Old National bank stated sending me default statements I asked for my payment history from XXXX XXXX on several occasions but was told time after time XXXX XXXX records were not available I spoke with the bank rep and she made several calls, This cause my property to go in to go in bankruptcy in XXXX I haven't missed a payment on a fixed loan my mortgage was {$840.00} in XXXX  to {$970.00} in XXXX to {$1000.00} in XXXX I paid {$5000.00} in escrow in XXXX but I got a statement from Old national bank that states my escrow balance is only {$1400.00} Old National bank was paying to Insurance two separate home insurance policy with out my knowledge also paying my special assessments after in XXXX,XXXX and XXXX  causing my fixed mortgage to raise out of control.
Product: Credit reporting or other personal consumer reports

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report On two different occasions SYNCHRONY BANK XX/XX/2024 XX/XX/2024 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute these inaccurate addresses that reporting on my credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Product: Credit reporting or other personal consumer reports

I was told over the phone by Nelnet that there is a credit suspension on my account. The Dept of Ed has NOT released the credit suspension which has been on there since XX/XX/year>.
Product: Credit card or prepaid card

I recently accepted a % XXXX XXXX balance transfer offer on my card which posted XX/XX/XXXX, I was expecting to see an interest saving balance amount like I do on my other cards that have % XXXX XXXX promotions in order to properly pay what I needed to in order to avoid accumulating interests, but when I went to make a payment today, XX/XX/XXXX, this was not there, when I called to inquire I was told that with a balance transfer, if there are any other transactions on the card, the full statement balance amount would need to be paid in order to avoid interests. This fully defeats the purpose of the % XXXX XXXX offer. I was told there is no solution and that this was disclosed in the balance transfer offer. While I don't doubt that this is hidden somewhere in the fine text of agreement, this is vital information that should be provided to the consumer before finalizing the decision to complete the balance transfer, especially since I already had transactions on this statement while I was completing the offer, had I been informed prior I would have made a different decision regarding this promotion, other information like the length of the % XXXX XXXX term or the balance transfer fee were plain to see, but this was left inconspicuous in what feels like unfair and borderline fraudulent business practices. The customer service representative offered no help whatsoever and said that the only solution is to pay the balance. He said he filed a complaint, but even told me to my face that the complaint would amount to nothing and would only be " tracked '', he refused to provide anything in writing despite my request it be emailed to me and only provided me with a complaint number ( XXXX ), I can not find on the website where I can review the balance transfer agreement either.
Product: Credit card or prepaid card

card XXXX been here for 26 years. it appears someone in my home used my card this card ordered a computer. with my card. i dont know if they inputted it in XXXX XXXX or what no computer is here i believe they ordered it as if it was me and then picked it up if it ewas delviered. this is FRAUD i called it in on XXXX today now showing showing CLOSED investigation i show no new card. what is happening? i provided possible names. i did not order it. i have left messages for person i suspect i provided no details to XXXX XXXX please investigate credit and issue new card
Product: Credit reporting or other personal consumer reports

I challenge the validity of this debt and suspect Wells Fargo Home Mortgage of Securities Fraud, Mortgage Fraud, and therefor demand proof of claim Please provide a full chain of title showing who legally owns this debt? 
I request a Q.W.R a Qualified Written Request under R.E.S.P.A. ( Real Estate Settlement Procedures ) I have a right to request /demand proof of these under R.E.S.P.A. and Under The Truth and Lending Act ( T.I.L.A. ) Affiant also request the original note with wet ink signature The one I was sent before was not the original note R.E.S.P.A. requires lenders to disclose this information I also request a full chain of title to show who legally owns the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has several addresses with inaccurate spelling. 

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: Credit reporting, credit repair services, or other personal consumer reports

Decreased my credit limits from XXXX to XXXX and XXXX to XXXX without good cause then closed a accout and ran credit report without my knowledge and im not letting synchrony get away with this
Product: Credit card

I 've recently contacted the merchant in regards to the travel voucher that I 've purchased in XX/XX/2015 via my Credit Card. I was informed that the purchase was charged back and the voucher is invalid, the merchant advised me to contact my bank to clarify the situation. I 've contacted my bank for further information, I recall initiating a dispute it was never completed as I never received the credit back so I thought that the travel voucher remained valid since then. I 've been contacting back and forth between the merchant and my bank since then trying to resolve the issue. Finally, the merchant provided a document that is to approve the charge back. I 've forwarded it to my bank hoping that they will provide me a resolution ; however, they continuously advising me the information that I already know. 
1. The credit did n't credit to the account 2 years ago 2. this charge back pass the time range to initiate the dispute as it 's 2 years ago I 've been trying to contact my bank further for the explanation on why my bank did n't complete the dispute when the merchant already authorized / approve the charge back. The merchant had already expressed that they ca n't assist me any further after providing me the related document and advised me that the money is no longer in their account. 

I do n't know what else I can do in order to resolve the issue anymore as my bank only advises me that the credit never arrived to my account ( which i knew by basically reading the statement ) and the transaction was long time ago ( which i knew as well so that I raised the dispute 2 years ago ) yet my bank never advised me of the rationale of the incompletion of the dispute i raised 2 years while the merchant agreed to charge back. 

Now I have paid XXXX USD and I do n't get to have my vacation ; neither my bank nor the merchant was able to assist me further