23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Went and asked my employees a lot of questions about whether we sold and made them give their full names and took photos at my place of business
Product: Debt collection

This complaint is against 2 companies : XXXX XXXX XXXX ( XXXX, NY ) & XXXX XXXX ( XXXX, DE ). 

I, XXXX XXXX, received a letter dated XX/XX/XXXX from XXXX XXXX indicating I owed a balance of {$3300.00} that had gone into collection from PayPal , Inc . Since I have never had an account with PayPal, I filed a complaint with the XXXX  and XXXX XXXX quickly indicated that no debt was owed. I did not take it to the CFPB at that time since they fixed it. 

However today, XX/XX/XXXX, my wife, XXXX XXXX, received the exact same letter in the mail only it is for the amount of {$1400.00}. She just disputed it to the XXXX  on her behalf to hopefully have that balance removed as well. 

If you go to the internet and search up this company, the first XXXX auto-search shows " Paypal scam '' so obviously this is a real problem. Their mailing address on both of the letters say : XXXX XXXX XXXX XXXX, TX XXXX That address on XXXX XXXX  looks like a shack in the middle of nowhere. 

The second complaint is against XXXX XXXX as I, XXXX XXXX, received a collection notice for PayPal in the amount of {$46.00}. Coincidentally, that letter is also dated XX/XX/XXXX just as my wife 's was dated. Both of these were sent to our home address. 

If you XXXX XXXX XXXX, a similar auto-result shows up indicating " PayPal Scam ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  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 reporting or other personal consumer reports

I contacted Experian regarding multiple errors last month. They continue to report adverse information stating creditor verified the information ; yet, they are not requiring valid documentation to substantiate the information reported. A statement does not make the accounts mine. I want to see the ID used and the signature. The creditor 's will not provided it and Experian is aiding and abetting the harm these errors have caused me. I seek intervention before I am forced to take them all to Federal Court. 

Report : XXXX
Product: Money transfer, virtual currency, or money service

i went to buy a XXXX  watch through postmark and when me and the seller went unto a agreement with price the person acted as if they were the wife of the owner of the XXXX  watch and they told me if it was ok to pay with XXXX  XXXX to avoid them being hit with postmark fees, which i agreed on and the supposed wife told me she would tell her husband to text me who is the alleged owner of the XXXX  watch and there as texted me to my personal phone number and i asked them a few questions and everything added up after sending multiple questions, after that i sent the sum of XXXX USD through XXXX XXXX  and right after the person has blocked my number, and had deleted their poshmark account. and they just ran with my money. i tried filing a claim with XXXX XXXX and they refuse to help me and closed my XXXX XXXX account after filing a claim with the cfpb with no reasoning at all but also i have an issue with my bank mainly, when i filed a claim directly that i got scammed they gave me a credit of XXXX $ meanwhile they investigated the issue with XXXX XXXX  and about XXXX months have passed since i got scammed and all the sudden i get a letter in the mail saying that my bank can not help me any further with the dispute and their going to take back the credit of XXXX $ they gave me even through XXXX XXXX showed a negative balance of -XXXX $ before my account was shut down by XXXX XXXX meaning bank of America Was Able to get the money from XXXX XXXX successfully but regardless bank of America left me with a negative balance on XXXX XXXX  and took the XXXX $ back without me ever getting a cent back from when i got scammed. when i previously filed a claim with cfpb for XXXX XXXX they did remove the negative balance and my balance was at XXXX But now they've shut down my XXXX XXXX account for no reason. and bank of america has left me out of the XXXX $ i got scammed out off back in XX/XX/2020. at a time like this. i should be protected from theft right?? not only was i robbed out of XXXX $ but is also the person is impersonating someone. and possibly scamming a lot of other people
Product: Credit card

My XXXX monitoring e-mailed me this morning, around XXXXXXXX XXXX XXXX on XX/XX/year>. There was a mysterious change to my XXXX reporting. I logged in as soon as I got to work around XXXX XXXX, and I saw there was a hard pull from a company called FEB/DESTINY. That lead me to researching Destiny Card 's info. I've never heard of this company until now. I've never applied from anything from them. So why are they pulling things from my credit reporting? I am in the middle of about three different " legal things '' with multiple banking companies right now, so I'm NOT happy to see something like this on my credit reporting first thing in the morning! Please see attachments for a basic " brief '' rundown of that exhausting situation.
Product: Payday loan, title loan, or personal loan

I was pre approved for a loan but did not receive payment
Product: Checking or savings account

Subject : Claim Regarding Unauthorized Overdraft Protection Fees To Whom It May Concern, I am writing in response to your request for information regarding unauthorized overdraft fees charged to my checking account. Below is a detailed description of my experience : Timeline and Events : 1. Account Setup : I opened my checking account with Navy Federal in the year XXXX. In XX/XX/XXXX I opt-out of overdraft protection services. 
2. Overdraft Fees : Despite my lack of authorization, I was charged overdraft fees on several occasions. 
3. Discovery : I discovered these charges upon reviewing my bank statements and immediately contacted Navy Federal for clarification. Unfortunately, the charges were not refunded, and I was informed that overdraft protection was enabled without my explicit consent.

4. Actions Taken : I attempted to resolve this matter by calling customer service. On the first occasion after years of this going on I called to waive the {$35.00} fee and it was waived. I let it go times before because I thought it was normal. I started being more careful by taking my funds and placing them into my savings. Then money from my savings started to disappear. I then called again almost a year later because a transaction went through for a therapist I no longer was seeing. There was no money in my account which left me in the negative. I called to resolve the issue and was told it went though because it was a familiar transaction. I had no OOPS on my account which I thought my account could never over draft and ended up over - {$100.00} negative. This had been going on for years despite my efforts, the issue remained unresolved. I am afraid that I can not count how many times I have been charged a fee without any permission of overdraft protection. 

Impact : These unauthorized charges have caused unnecessary financial strain and violated my trust in the institution. 

I request a full refund of all overdraft fees charged to my account due to the unauthorized activation of overdraft protection. Additionally, I ask for confirmation that overdraft protection has been permanently disabled on my account unless explicitly authorized by me in the future. 

Please let me know if additional information or documentation is required to process this claim. I appreciate your prompt attention to this matter. 

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

I mailed a Multip le Inquiry Removal Letter  on  XXXX   XXXX  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I receieved the same response for all inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. ''  According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigated and if you do not investigate and respond, the CRA must delete the dis putes information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Money transfer, virtual currency, or money service

Money was transferred to other parties Unknowingly from XXXX XXXXXXXX now XX/XX/year>XXXX  Different parties on different days but not all are showing up on the summary
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter using 1681.0 civil liability for negligent compliance. Navy account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX,
Product: Mortgage

RE : Issues over Home Financial Hardship Application with US Bank Ref : US Bank Home Equity Line Accounts XXXX & XXXX Property : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Mortgage Complaints Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Dear Sir or Madam, I and my wife are the owners of the above property, which is solely encumbered by XXXX US Bank Home Equity Lines of Credit with the above account numbers. 

We are trying to sell our house, but due to the ongoing decline in the XXXX real estate market, the value of the house is now at or below the value of our outstanding debt to US Bank. We submitted a request for a short sale, with the Home Financial Hardship Application and all required paperwork, to US Bank on XXXX XXXX, XXXX. In early XXXX, we received letters that XXXX relationship managers, XXXX XXXX XXXX and XXXX XXXX XXXX, have been assigned to our case. Since then we have cumulatively left XXXX voicemail messages and sent XXXX emails to XXXX XXXX and XXXX XXXX, but received not a single response. We have also repeatedly called the US Bank customer service lines for both mortgages and home equities, but were given the run-around each and every time. 

We recently received an offer on our property which was below the value of our debt, but not having received authorization for a short sale we were unable to accept the offer. 

We are XXXX XXXX XXXX seniors with serious health issues ( please see attached HFHA hardship letter ). It is now 74 days since we submitted our request. We need assistance and are extremely frustrated and disappointed by the way US Bank has handled our case. We respectively request the CFPB 's assistance to resolve our case in an expeditious manner. 

Sincerely, XXXX XXXX Phone : XXXX XXXX XXXX ( cell ) / XXXX XXXX XXXX ( home ) Current Address : XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

This was an auto lease of which I was the co-signer. I have checked and called Honda Financial several times to confirm the account is closed and has a XXXX balance. The account is in fact close and I will attach proof that the account is fully paid and closed.
Product: Debt collection

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 
1. The name and address of the original creditor and the current creditor.

2. Verification of debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of assignment showing the transfer of debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Document showing the assignment of debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and the dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your rights to do so Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you XXXX XXXX
Product: Mortgage

The property went into foreclosure and I was contacted by this company directly with a guarantee to get a loan modification and adjusted terms on the mortgage. The office kept contacting to make an appointment to go to their office, finally a representative came to the property even though I had tried to cancel the appointment. I initially paid {$500.00} at the first meeting and signed a contract with the company trying to save my home. Throughout the process I was not happy with the service provided so I decided to then contact the lender and found out there was a sheriff sale scheduled. Information was only being accepting by the lender from the third party. I paid {$2000.00} to XXXX XXXX for XXXX aka XXXX XXXX XXXX XXXX. Throughout the process they were very confrontational and even more so when I asked for a refund. They only offered to provide 50 % of what I had paid back which I have declined because upon further research and working with a housing counselor I determined I should have never had to pay for this due to being mislead. When I asked for a full refund the owner of the company " XXXX XXXX '' contacted me and screamed that they did lots of work and I would not be getting my full money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and the accounts and inquiries listed below were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items to be immediately blocked and deleted from my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My student loan was transfer from great lakes to this company NelNet The website does not work and you are not able to access your account at all. The page has constant error failures even after inputing all your information. 
Customer service phone line will not provide you with a representative to talk to. 
Tried to email customer service and they say the email volume is to large for them to respond to my email. So i have no way to access my account and pay my student loan. Payment is due in XXXX. How am I going to pay my loan and not have them absolutely ruin my credit if i have no way of accessing my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this compliant XXXX said not there company on account.. No they are not the company My problem is not with company its with XXXX still showing account on file See my original complaint XXXX XXXX has removed the XXXX account in dispute from their reporting. Experian needs to do the same
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX inquiries on my credit report that i know i did not apply for, as well as XXXX collections account on my Equifax report! 

Hard Inquires on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Equifax XXXX XXXX XXXX {$130.00} XX/XX/XXXX Original creditor is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX, was XXXX unauthorized Inquiries in my credit report opend on XXXX XX/XX/2022 and XXXX XX/XX/2022 and i dont recognize as mine. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit card

XXXX XXXX issued by synchrony bank. This card is only used for our XXXX phones. I am having difficulties in getting my bill for account XXXX. I havent received any billing since XXXX of 2023. When I do not receive the bill, I forget to pay it. This gives synchrony bank the authorization to charge a {$30.00} late fee. I believe this is an ongoing issue. I have had this same identical problem with my XXXX XXXX account issued by synchrony bank. Synchrony bank is making a fortune with late payment fees on any card holder issued by synchrony bank. I did contact the company without satisfaction. My address, phone, and email has not changed. If this complaint must be elevated to a higher authority please do so. I am tired of this company screwing with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is listed as a charge off and purchased by another debt collector. Im different amounts stated XXXX and listed on my report as XXXX. Which is in accurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thank you.
Product: Debt collection

I was reviewing my credit reports and i found two debts being reported by Financial Assistance. Pursuant to 15 USC 1692g i demanded debt validation from them. On XX/XX/2021 I sent Financial assistance a debt validation letter requesting information that i was legally obligated to pay and if they were unable to send me the information I requested, then the false information that they are reporting on my consumer report under my name must be removed immediately. On the XXXX XXXX I received a letter back from Financial Assistance [ please see attached ]. There company name was no where on any original documents. And the letter was typed up by them and they had included another organizations name in it, trying to claim that as legal debt validation. This does not count as legal debt validation, and I know nowhere in the law this would be used to validate a debt, which I stated. Also on the letter, it never acknowledged any of the points requested for proper debt validation. To begin with, I requested to see any agreement or contract that had my signature, showing that I had entered into some type of dealing with Financial Assistance and that I was legal obligated to pay them any amount of any debt. I have had Financial Assistance reporting false and negative information on my consumer report for a long time and it has caused alot of emotional stress and injuries. I responded with a second letter on XXXX XXXX requesting a proper debt validation and that the photocopy they sent was unacceptable. I included an invoice for the laws that they had broken in reporting negative and false information and defemination of character. Which they still have ignored and not responded too.
Product: Credit reporting or other personal consumer reports

Midland Credit Management shows 3 different times for 3 accounts within my credit report. One amount for {$570.00}, the second amount for {$380.00}, and the third amount for {$660.00}. I need proof of purchase as I am not sure who these accounts originated from and certainly not 3 of the same accounts resulting in collections for different amounts all with the same orgination date listed. These accounts are a huge red flag. 

XXXX XXXX XXXX is showing 2 accounts on my credit report. One in the amount of {$310.00} and the second in the amount of {$1300.00}. I have not had any success in getting information from this creditor and would like to obtain proof of purchase along with the origination date. 

XXXX XXXX XXXX is showing 2 collection accounts on my credit report. The first collection amount is {$790.00} and the second collection amount is {$830.00}. Please provide proof of purchase as well as all originating documents to confirm account ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I EMAIL LEXISNEXIS BY WAY OF THEIR CONSUMER PORTAL TO VIEW MY CREDIT REPORT. LEXISNEXIS MAIL ME A LETTER WITH A URL SITE TO GO TO WITH, PIN NUMBER WHEN YOU TYPE THE URL LINK YOU GET AN ERROR MESSAGE. TRY TO CALL THEIR PHONE NUMBER YOU JUST GET AUTOMATED ANSWER. NO ONE TO SPEAK TOO.