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

For some reason Chexsystems didnt investigate on my first dispute about XXXX XXXX XXXX XXXX XXXX. Now I request Method of Verification invoking FCRA 611 ( 15 U.S.C. 16811 ) which forces Chexsystems to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a " verified '' response to the initial CFPB complaint filed with or delete contested items in the initial CFPB complaint Since we know ChexSystems never contacted the FTC to verify the underlying facts alleged in my identity theft affidavit, they fail to disclose the source of their initial " verified ' response, this is noncompliance and negligent with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with experian. I need to delete all inaccurate information on my credit report that is hindering my file. please review an delete the items listed to clear my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is on all my credit profiles with a debt amount of XXXX for a rental place I have not lived or used before. Ive lived at XXXX XXXX XXXX since XX/XX/year> til now so not sure what this is. When they reached out to me I told them that I was a victim of identity theft. My purse was in my car when it was stolen in XX/XX/year> on XXXX XXXX XXXX. Ive sent XXXX and XXXX and XXXX the police report and my identity theft filing. Ive mailed in a copy of my lease proving my address for the past two years. When they called i requested verification and it was never sent anything
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesEquifax, Experian, and XXXX XXXX of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report
Product: Credit reporting or other personal consumer reports

This companies listed accessed my credit information. 
I have never applied anything from this companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I just received a debit and credit card from Chime in the mail ( XX/XX/year> ). I called Chime and closed the accounts. However, I have credit monitoring services and checked all three credit bureau reports. None of the credit bureaus reported the Chime account or an inquiry from Chime to open these accounts. Chime was unable to explain how a credit card could be opened in my name and with my information without even checking the credit bureaus ( which would have at least notified me ). Chime 's XXXX appears to be non-existent.
Product: Checking or savings account

An unknown recipient called me and coerced me into paying for {$1000.00}.
Product: Student loan

Currently have an Administrative Wage Garnishment in effect that is 25 % of my biweekly pay. This went into effect without knowledge of a summons. Contacted Alaska Commission on Post Secondary Education ( ACPE ) about the issue, and was told that they were able to proceed even without my presence or knowledge. Attempted to negotiate a payment plan, but was declined. ACPE told me the only way the garnishment would be lifted is if paid in full. Their other alternative was filing for a reduction from 25 % to 15 %. Filed the proper paper work and was denied even that. I am in a place where I can pay affordable monthly payments, but want an option that wo n't keep damaging my credit. The XXXX on my credit has had a negative ripple effect on more and more as time passes. I am trying to be proactive with my finances, but ACPE has put me in a stranglehold from moving forward. I have called ACPE countless times on my options, and all I get is the same thing back. I can not believe there are no relief alternatives. No options after the administrative wage garnishment is in effect. After half a year of payments, no options.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I show that I have a negative account fro m Universal Acceptance in the Amount of {$4300.00}. I have no knowledge of this a ccount. When ask for documentation to prove verification, I was denied. I understand that this was transferred between companies and it seems no one can provide me with the information that 's needed.
Product: Money transfer, virtual currency, or money service

Hello so on XXXX, I was contacted by someone pretending to be XXXX XXXX owner of XXXX located in : XXXX XXXX XXXX KY, XXXX. 


So the scammer contacted me through XXXX XXXX pretending to be XXXX since I was looking for a pair of sneakers. We talked and everything and agreed on a price despite there being red flags. We agreed on PayPal friends and family payment. Lucky for my wallet the funds did not go through the bank linked as my payment method ; However, PayPal ended up sending the funds and remained pending for around 2 days or so thinking the movement will be canceled since the funds were never there in my payment method. Once this happen I contacted PayPal to have the movement cancelled since the person getting the funds is a scammer and i was told the transaction wont go through. 

Forwards a few days later my PayPal account was at a negative XXXX and I made an attempt to dispute the negative balance even dough no funds were ever taken from the bank account. I got constant emails about the overdue negative balance and I reached out to XXXX for help but nothing. I looked into the terms and conditions for PayPal more specifically terms and conditions for sending money to another PayPal account. I never found anything stating that if the payment fails due to insufficient funds, PayPal themselves will pay for the transaction and charge my account. 

I reached out to a PayPal customer service representative to see if they have any knowledge and if so where would I find such in PayPal terms and conditions or anywhere. I attached the conversation. To summarize it, the agent mentioned that paypal will send the funds anyways even if PayPal is a payment processor and that this is not mentioned in the terms and conditions. Basically PayPal is acting without informing or mentioning the user before/after using their service. 

Later on PayPal sold the negative balance ( PayPal account ) We are writing to let you know that we sold your PayPal Account ( identified below ) to XXXX XXXX XXXX XXXX XXXX 


Please review this case since Ive contacted the XXXX and they have been of no help and PayPal blocked me from accessing the account making me unable to take screenshots of me contacting them about the scam.
Product: Debt collection

The debt was eliminated. 
I have had calls on the hour every hour from XXXX XXXX for a debt that does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID {$15000.00} TOWARD MY XXXX CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY XXXX CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH EQUIFAX XXXX CREDIT BUREAUS / SIX TIMES SINCE XX/XX/2022 PAYMENT. XXXX REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW XXXX IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO XXXX MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019this company ran my credit without my permission. Which then added a inquiry onto my credit.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS -XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX -XXXX Date XXXXXXXX XXXX XXXX XXXX THESE INQUIRIES -XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 I wake up and see that Discover has taken a payment amount of {$360.00} without my consent and claim I have set up auto pay which I have immediately revoked access to. I have reached out to my bank and they refuse to dispute the amount. I filed a complaint against discover last month and I was supposed to do 3 payments of {$68.00}, which I did but one month was XXXX because I used the last little cash back bonus to make it less. On XX/XX/XXXX, at around XXXX XXXX time I have contacted a live agent from discover that it was an error and should have been reflected back to good standing according to the complaint I filed the company responded with. I should of had a fresh start on my account with a new minimum payment and apparently that was never the case. I have tried and called them and they don't want to fix it. I even contacted my bank and they have also refuse to refund the credit.
Product: Debt or credit management

I didnt reach out to companies im just checking my credit on XXXX and seen everything & trying to get it removed and score to a XXXX at least
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian disputing validation for an account they are reporting on my credit report. Experian has not provided me with any proof of validation, but instead just sent me a letter stating they have completed their investigation and no change was made as to the reporting status. I sent more letters stating that they are violation of FCRA Section 611 and that proof a validation and proof from the investigation is to be provided to me if asked or requested. Experian still sent me the same letter as before stating that they have completed their investigation and no change in status and that they have validated the information to be correct. Again I asked for proof of validation and Experian failed to provide me with any proof. I waited approximately 30-45 days between each letter. I gave Experian ample enough time to complete a thorough investigation and Experian has not been able to provide me with an documentation from any of their investigations. I then decided to call Experian and spoke to XXXX in the dispute department, who would not give me any other identification, who stated that Experian does not have to provide any proof of validation or any documentation from any of the investigations they have done from my disputes. XXXX stated that Experian does not have to tell how they validated any of the information and all they are required to send to the party disputing is only the results of the investigation with no documentation supporting their outcome. According to FCRA 611 ( 6 ) ( B ) ( 3 ) ... '' If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information to the telephone number of such furnisher, if reasonably available ''. I have given Experian a reasonable amount of time to provide me this information and they have failed to do so. I strongly believe that Experian is using the XXXX  XXXX to validate my dispute. I want my dispute to be upheld and expect Experian to delete the entity from my credit report as no proof of validation has been acquired. The entity itself has not even been able to provide me with validation, therefore how can Experian have validated something that the entity itself can not even validate. Experian is not providing valid and effective investigations into my dispute.
Product: Debt collection

notified that there was a collection on my credit file XXXX from Ability Recovery Systems LLC in the amount of XXXX original creditor was XXXX XXXX. I have never had an account with XXXX XXXX also Ability Recovery never sent me a collection notice or tried to contact me by phone. I have not had the chance to dispute this debt collection. Secondly, Ability Recovery Systems LLC is in violation of Texas Debt Collection Act, and Texas Finance Code 392.001. I want this tradeline removed from all 3 major credit bureaus!
Product: Credit reporting or other personal consumer reports

I never authorized these accounts, they are fraudulent and I am a victim of identity theft. Please remove them as they are hurting my ability to find a place to live. These are not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/, I used Venmo to transfer {$390.00} to my bank account. The bank account wasnt verified by me and Venmo transfers the money anyways, going against their rules, and supposedly went to XXXX to an account number that didnt exist at all. I didnt see the money and called Venmo XXXX For months, I communicated between Venmo and my XXXX credit union in XXXX, Hawaii and Venmo said that they transferred the money but my credit union XXXX never received any money at all because there is no such account number. Venmo refuses to tell me where my {$390.00} went and did not want to help me any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 3 months ago I applied for a personal loan with XXXX XXXX XXXX XXXX to pay off my Mother 's car loan she has with XXXX XXXXl for her XXXX XXXX XXXX. [ I did have a loan with XXXX XXXX, it was for a XXXX XXXX XXXX with account # XXXX ]. This loan was co-signed with my mother XXXX XXXX. She was going to trade in the XXXX XXXX & get herself a new car, but I decided to trade in the XXXX XXXX instead & purchased a new vehicle by myself. This was in late XXXX. About a week ago, I received a statement from XXXX XXXX with limited information. It stated that I owed them {$500.00} dollars & that my loan was subject to go to collections & this would affect my credit rating. My initial call was to XXXX the Sales person, who assured me that my car was completely paid off & did not know what was going on. At this point I was worried about the bad rating this would have on my credit so I called my Mom & asked her to help me find out what was going on. ( I initially thought it was a negative balance for the XXXX XXXX I just traded in ). When my mom reviewed the statement she noticed it was a different account number from my previous & only loan with XXXX XXXX. My Mom called XXXX XXXX on XXXX/XXXX/XXXX @ XXXX XXXX & spoke to XXXX in the customer relations dpt. XXXX advised my Mom that she was not on the loan she was pulling up. My mom told her that she was the co-signer on the loan & wanted information about the statement we had received. My mom also advised XXXX that it was the wrong account number & perhaps XXXX XXXX had made a mistake about the balance of {$500.00} we still had. XXXX asked my Mom if she was calling regarding the loan for a XXXX XXXX XXXX. When my mom heard the description of the vehicle she then told XXXX that the XXXX was her car & she still had a loan with XXXX XXXX. At that point XXXX told my Mom she was unable to give her any more information & she had to transfer the call to the Accounting Dpt. but not before my mom conference me in to the call. When we reached the accounting dpt we spoke to XXXX. I verified my information one more time & gave authorization for my Mom to talk to XXXX & discuss the account. When everyone was on the same page my Mom asked XXXX if she can tell us who signed the check or any credit application? We explained to her that I never picked up the check or signed anything documents authorizing the loan. At this point XXXX stated that we were going to be put on a 10-15 minute hold so that she can review all notes. My mom was at work & asked XXXX to please call us back because she was at work & I was getting ready to go to work. XXXX told us that they do not call out ever & if we wanted any further information we would have to call them back at another time. This is the last time we had any contact with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : 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 or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was Never late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : Dynamic Recovery Solution, 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. 

I don't owe this company.
Product: Mortgage

I was approved for 13 monthly future payments by the Homeowner Assistance fund starting XX/XX/XXXX. These payments are posted throughout the month at different times. On XX/XX/XXXX I sent a secure message to Shellpoint Mortgage because the payment for XXXX had not posted despite the HAF program stating they were sent. I received email confirmation the message was received but have yet to get a response. I received a letter dated XX/XX/XXXX that the payment was late and my credit may be impacted despite being told by Shellpoint loss mitigation that my account is notated that I receive HAF funds and any late payments would be waived. I called Shellpoint on XX/XX/XXXX, and was advised the XXXX payment was notated on my account as being received on XX/XX/XXXX but has not been posted and a email would be sent to the department that handles posting payments and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX, there was no updates as to why these funds have not posted. I was transferred to a Representative in loss mitigation who also showed the funds were received by Shellpoint in batch form on XX/XX/XXXX and noted to my individual account as being received on XX/XX/XXXX. She stated she would also send an email to that department and call back on XX/XX/XXXX. It is now XX/XX/XXXX, I was never contacted by Shellpoint from my email sent on XX/XX/XXXX. No representatives have notated my account regarding any feedback from this department, I have not received a response from this department and calling doesnt seem to assist with finding out why these funds havent posted. I am worried because of the letter I received that this will adversely impact my credit even though these funds were received and for whatever reason Shellpoint hasnt posted them to my account. I have also not received any response as to what exactly is going on and why the funds have not posted.
Product: Credit card or prepaid card

My Bank of America credit card and debit card were stolen back in XXXX, and there were unauthorized charges on the credit card in the amount of {$60000.00}. I reported the unauthorized charges to Bank of America and they opened up the claim. This was happening in the middle of a global pandemic, everything was closed, and the phone lines were overwhelmed. Customer service from Bank of America tried helping out but their Fraud Department did not correctly process my claim. The first claim was denied. I immediately called back and tried explaining the situation because the reasons they gave me for denying the claim made no sense. I honestly do not know what their Fraud Department and Claims Department did with my account, but the second claim was denied as well. I have been calling them multiple times. I submitted all of the documents proving that there was no one authorized to make those charges/purchases including the police report I submitted. Those documents were both physically mailed to Bank of America, and faxed twice! Not once did they review those documents. The last time I called them, they said they have documents, and they went ahead and opened a new claim. Soon after that claim was denied again, and when I called them to ask how come they denied it again after reviewing all the documents, they told me they haven't received any documents! I have no idea what is going on with them, and this has been a nightmare for me for the past several months, and I haven't received anything from Bank of America except the letters of denials. I have made timely reports of unauthorized charges, I filed a police report with local Police Department ( please see attached documents ), I have been calling them non-stop, I notified credit reporting agencies ( XXXX, XXXX, etc. ) to put a fraud alert on my social security ... I did everything in my power to get this resolved, but Bank of America hasn't been helpful at all. They keep charging me interest on charges, adding late fees for something I did not purchase! Those cards were stolen and reported to the police as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to the 3 Credit Bureaus to remove these erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX and this Fraudulent Accounts : XXXX XXXX  XXXX BALANCE : {$0.00}, XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX BALANCE : {$0.00}, and US BKPT CT CA XXXX XXXX  XXXX Amount XXXX {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.