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

On XX/XX/XXXX I got a notification that collection accounts showed up on my report. I filed a complaint and let them know the account doesn't belong to me. They close the dispute in less than a week and said it's accurate. I filed a second dispute at the same time and also reach out to the collection agency and told them it does not belong to me. The agency told me to send emails and contact XXXX. I took it upon myself and went further to call the hospital they reported finding out what's going on and let them know these are not my accounts. the hospital apologize and told the agency to close the account. On XX/XX/XXXX I got a letter from the collection agency stating the accounts are closed and they will notify XXXX  to remove but when I spoke to XXXX  multiple times after that and today the last time I called and spoke to a XXXX  at XXXX  is today to find out whats going on and why they are still listed on XX/XX/XXXX. XXXX  told me that they have no communication from the agency about removing collections from my account. XXXX  closes the second dispute in XXXX stating the collection agency reported the accounts belonged to me and I needed to submit another dispute. At this point, if XXXX  agents are saying there's no communication from the collection agency then the collection agency is lying and putting me through a lot of stress I don't need.
Product: Prepaid card

There are XXXX authorization holds on my account. Plus the total amount of the order plus the authorization hold on each individual item. XXXX declined the purchases and the bank put authorization holds on the money and let them have it anyway. XXXX declined purchase amounts then charged my account for the order total plus the individual items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has repeatedly - 8 times- attempted to open a fraudulent line of credit in my name AFTER they have been contacted by me and told this was an issue of identity theft and I have filed complaints against them. Their only response is to tell me to keep my credit report frozen on all three bureaus. They are doing nothing to address the issue. Each attempt is a hard hit on my credit. Thankfully I have a fraud warning so these attempts get rejected but I still have to address it each time they attempt to open an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items mentioned below were totally incorrect or has inaccurate information being stated. 

XXXX XXXX XXXX Balance : {$140.00} XXXX ; XXXX Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

( XXXX XXXX : ) XXXX Balance : {$92.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX This account, which you are reporting to be a collection, has nothing to with me. I have no idea about this account and your investigation was not done properly. You should have provided the original account name for this and have submitted any proof or documents to support your claims. However, you have failed to do both. Thus, this should be removed as soon as possible. 

XXXX XXXX Date of inquiry XX/XX/XXXX Could you corroborate the accuracy of this reporting since I don't recall inquiring about this company? If needed, delete it from my report. 

XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Hurriedly check the date presented as I think it may be a possible mistake. Revise or discard this information from appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact Experian regarding the inquiries and they have failed to remove all of the unauthorized inquiries. This is my last attempt, I am demanding the removal of the remaining inquiries I have listed on the ftc report.
Product: Mortgage

I lost my home in the XXXX XXXXXXXX XXXX My insurance company issued a {>= $1,000,000} to Guaranteed Rate for the rebuild of my home. I am working with an architect, engineer and the county to get permits issued to rebuild my home. Once permits are issued I can hire a general contractor. I have incurred over {$200000.00} in expenses and the loan servicer, XXXX, refuses to pay any of the incurred invoices. Their reason is that I need to have a signed contractor and an inspection. The process to rebuild a custom home does not start with a general contractor and there is nothing to inspect. I have a contract with an architect, engineers and permits to the county that I owe money to. I have escalated within XXXX but there phone people do not understand the process to build a home and tell me there is nothing they can do to help. Surely it must be illegal for them to hold my money and refuse to repay me for money spent on the process to rebuild. This is why the insurance company gave them the money. The insurance company does not understand why XXXX will not release funds and has called trying to get them to but XXXX refuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureau has not XXXX XXXX the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX. XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX Balance : {$860.00} EQUIFAX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$2000.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Late/Closed XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX XXXX : {$1700.00} 12. XXXX XXXX XXXX XXXX : {$860.00}
Product: Money transfer, virtual currency, or money service

I send money to an overseas VA for our business. I use the app to do so. On XX/XX/XXXX I sent {$660.00} which included {$4.00} fee. When I hit the submit button, Paypal said there was an error and it could not be completed. I tired a few times before stopping. It would not go through. I ended up logging on to Paypal with my laptop to try that way vs the app. I was successfully able to send the money as intended. I later found out that Paypal sent that payment 4 separate times even though it stated there was an error and the transaction could not be completed. I tried to have the recipient send the funds back and it ended up charging me {$840.00} in fees to do so. I feel this is not my fault that their website was incorrect and charged me multiple times. I have contacted Paypal and they said the transaction was successfully sent. They are missing the point that only one payment should have been sent and they are denying my claim. I feel this is unfair. My history of sending to this recipient shows I only send one payment every two weeks. I did not initiate four payments for the same amount all within seconds of each other. The total amount sent in error was {$2000.00}. I received {$1800.00} back because of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : 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 have repeatedly asked TransUnion, XXXX, and XXXX to delete all these derogatory accounts that are reflecting on my credit report. I never gave permission for them to furnish any of my personal information to my credit file regarding other creditors. This is repeated violations that I have been dealing with for years now and has had a major impact to my financial well being and has made it difficult to obtain the necessary credit to purchase a home for my family and to secure my XXXX  with XXXX XXXX  there XXXX needed to function in life. This is my final attempt to get this resolved before I get my attorney involved and start litigation in this regards.
Product: Debt collection

I was checking my consumer report and I see Enhanced recovery company on my report. I do not know who this 3rd party debt collector is. It is illegal to purchase debt from a person who isn't the original creditor and its identity theft and a privacy act of 1974 issue. per 18 usc 1028a identity theft is a major crime, No person from this company has sent me anything concerning this alleged debt. per 15 USC 1692 B I was never communicated with concerning this alleged debt from this company and I have never given anyone persmission to communicate with me especially to a 3rd party or any party. I will not be paying any money to anyone concerning this alleged debt and if they want their money take it up with the united states of america because per 18 USC 8 all obligation concerning debt belongs to the united states of america. My identity was stolen and per 15 USC 1681-C I have filled out my identity theft packet and I will not be giving anyone any of my information so do not ask me to do so due to the privacy act of 1974. I opt out of this company reporting to my consumer report per 17 cfr 248.125.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been asking Trans Union to verify an account that is reporting on my credit file. Trans Union was asked to furnish me the documents they used to verify the accuracy of this account. I also asked for the name of the person verifying these documents. I have only received letters back saying the information has been verified. Trans Union has not met my request to show me the proof they have of this account belonging to me, nor have they sent me the info of who verified it. I asked the debt collector for proof and they were unable to show valid proof of a debt owned so I am curious as to how Trans Union was able to verify a debt that the debt collector could not. The debt collector sent me a printed agreement with no signatures or print from me. A blank agreement/contract is not proof of debt ownership. Also, the date on the bottom of the agreement says Version Date XX/XX/XXXX but the company is alleging i signed this agreement on XX/XX/XXXX. Clearly the agreement was printed AFTER XXXX so this is not the original document.
Product: Credit card or prepaid card

I'm having little problem locating my receipt but o still have items I purchased and my husband 's debit card we paid with. 1 or 2 weeks ago we went to the KOHL store to do XXXX shopping on the check out cashier advised to open a credit card I agreed she asked me to follow instructions on the screen. After I completed all the steps she asked other cashier to help both of them standing looking at the screen and then they say can we have your State issued driver 's licence, which I understand why it was requested but I left mine in the car. I said I left it in the car I parked pretty far it's already took quite a while so I think we should cancel everything I want to cancel the process. BUT CASHIER XXXX XXXX  ID of my husband and said thats fine we still can process. I felt it is not right so I rejected and asked two cashiers to cancel whole process and just let me pay with debit card. They looked disappointed but followed the instructions. Today XX/XX/2018 i receive missed call from KOHL with voice mail asking to call nack after spending more than an hour on the phone and constilently on hold finally representative named XXXX states you approved for {$400.00} credit card and we will mail it to you shortly. I was in shock and told him I'm sorry I don't want to get anything what do you mean you will send me credit card and for now I can use my ID to pay for time being. Representative got very mad and started yelling at me and saying that I said to process it. I rejected I recapped exactly what I said to him and continue yelling I nicely asked him if u can talk to a supervisor or manager and asked hime nicely not to yell at me. HE PUT ME ON HOLD ... after a while he came back and said they will send me letter about and now they will cancel credit card. I asked him again may I please speak to a supervisor. Representative said we will call you back tomorrow I asked May I set preferred time for supervisor call back, representative I'll ask them what time would you like I provided preferred time and took the survey and shared my absolutely dissatisfied experience. 
Because it was department store I decided to call centralized office I called and spike to a nice representative, who took all information for complaint about terrible customer service and advised data will be passed to district manager and they will address the matter but nothing about opened credit card which I did not ask for and was accepted with wrong ID. WHICH makes me feel whoever witj information easily can open cards and use my identity very easy without any proof for the data is for the person who is actually applying. 
Please advise and take needed action to prevent such actions opening credit cards when people rejects them and open cards without any identification for the person.
Product: Vehicle loan or lease

Loanmart, XXXXXXXX XXXX will not do a loan mod- they offered a settlement with a 2 week pay- i needed more time due to a bank deposit with a 5-7 day hold and no one will respond to me after 4 email attempts. I payed money to hold off a repo and now their communication and response has stopped. My bank needs a new agreement to send funds to settle this account. 
XXXX has the most recent emails and also XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'll attach my identity theft victim affidavit from the IRS and my identity theft report from the FTC to this form. Multiple accounts compromised. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And any other inquiry between XX/XX/XXXX to XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I'm filing this complaint on my own behalf with no involvement from a third party. Despite my repeated written requests, the unverified accounts listed below continue to appear on my credit report, in violation of federal law. 

The XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law, and continued to report erroneous information, which now appears to be willful negligence and non-compliance with federal statutes, despite my attempts to address it directly with the creditor. 

PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : { {$2300.00} } - US DEPT ED XXXX Balance Owed : { {$3900.00} } - US DEPT ED XXXX Balance Owed : { {$3800.00} } - US DEPT ED XXXX Balance Owed : { {$4100.00} } - US DEPT ED XXXX Balance Owed : { {$5200.00} } - US DEPT ED XXXX Balance Owed : { XXXX }
Product: Credit reporting or other personal consumer reports

I began dispute number XXXX for a collections account on Experian named XXXX XXXX twice recently. The most recent was on XX/XX/XXXX. Both of the results came back as accurate. The original debtor is XXXX, which is no longer in business. Actually, I tried to file a complaint in XXXX via CFPB when the debt initially went into collections. It was forwarded to because CFPB was not able to contact XXXX. It was forwarded to FTC, then closed. I had to file another complaint via CFPB for XXXX because this debt came back from another collections agency and it was removed. The second time it appeared on my credit, XXXX verified the account as accurate.They did not provide the basis for the accuracy especially since they removed it previously. It was removed again. This account appeared on my credit for a third time and was removed. Now, it is on my credit from XXXX XXXX. On XX/XX/XXXX, wrote them explaining the aforementioned prior to it appearing on my credit and the collections appeared on my credit anyway. On XX/XX/XXXX, I wrote a complaint to XXXX XXXX ( with delivery confirmation ) requesting for the original bill and contact information for XXXX for to forward my complaint directly to them. If they can not provide this information, I requested to remove this account and cease communication. I am awaiting a response. Experian did not provide the basis of what deemed this account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my Equifax credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted Equifax directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XXXX morgage to pull credit?
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which continue to persist despite my unwavering efforts. 

I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made numerous subsequent attempts to rectify this issue by providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. 

Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score, financial credibility, and overall financial well-being. These inaccuracies negatively affect my ability to secure loans, housing, employment opportunities, and other financial endeavors. 

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. 

I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. 

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your immediate assistace to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email stating that an XXXX XXXX was on its way in the mail. I did not apply for this credit card. I called XXXX right away and had this card shut down. The fraud department at XXXX has been alerted and they filed a report. Then I looked at the rest of my credit report on XXXX XXXX and noticed 2 hard inquiries that were not made by me that also brought my score down by at least XXXX points. The first inquiry took place on XX/XX/XXXX and the second one ( for a XXXX XXXXXXXX card for which I did not apply ) happened on XX/XX/XXXX. I have also been notified by my XXXX XXXX and XXXX XXXX cards that someone in California tried to use my information to purchase product at The XXXX XXXX and online at XXXX, purchases I did not authorize. Those purchases were fortunately caught and blocked by the credit card companies but I had to close my XXXX XXXX account and freeze my XXXX card.
Product: Student loan

Sent a certified letter requesting Debt Validation The debt validation letter includes : The amount owed.

The name of the creditor seeking payment.

A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact.

A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail.

A statement that if you request information about the original creditor within 30 days, the collector must provide it.

Received a letter back stating my request was frivolous. I paid this off and do not owe!! Waited long periods on hold trying to speak with them, sent email but did not respond within the timeline they provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I zelled money to my friend but I accidentally sent it to the wrong number & did not give me back my money. My bank declined to help me