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

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Axcess financial ), XX/XX/year>. I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.15 USC 1681s-2 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 is inaccurate. 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. Sincerely
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$340.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX {$1000.00} was reported as a fraudulent account. The company has closed the card but still appears on all my reports ( XXXX XXXX XXXX ) the card is still getting charges taking my debt ratio higher then it should be. This fraudulent account has not been handled fully and properly and is causing financial hardship. Under 605b this should have been removed over 30 days ago. 

Also LVNV Funding {$430.00} This card has been reported twice for the same amount on XXXX and still appears once on my XXXX Also XXXX XXXX {$16000.00} Under 15USC 1692C ( c ) Law I have made several statements to those that have contacted me by phone and mail regarding this. I need the harassment to stop I will not force ownership to this debt, it has Never been mine. This is still on my XXXX Report Please have the companies complete this process. PLEASE, my finances are troubled because of these and causing mental frustrations as well. Please assist. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I processed a transaction through PayPal. I only learned after the transaction that PayPal automated the wrong account ( an account that has not been used in several months and had since been closed ). Immediately, I processed the transaction with the current bank account ( resulting in a duplicative payment for the same thing ) and called paypal right away to state that they were not authorized to use my old, closed account as an automated preferred method of payment for the first transaction. My recent paypal transaction history is clear as to which account is supposed to be automated ( the current, open account ).

Within minutes of the first transaction being processed, I tried to have paypal cancel that transaction, which they refused. I had no choice but to file a dispute that same day, XX/XX/XXXX, which was later denied. Today, I went to pay a different merchant and I only learned in my email confirmation that they UNILATERALLY added the {$160.00} negative balance they credited against me for the wrongful transaction that they honored on XX/XX/XXXX, which results in paypal charging me in a completely unauthorized way. I want paypal to refund the {$160.00} for the transaction that they should have canceled on XX/XX/XXXX, as requested. 

The upload shows the dispute that I filed the same day the wrong transaction was processed since PayPal simply wouldn't cancel the payment. They denied my dispute, yet later charge me for it. Another upload shows what I saw when I paid a merchant ( at no time did it state that I would be paying for extra charges related to the previously disputed transaction ). I only learned of it via the attached email confirmation sent AFTER they charged me.
Product: Credit reporting or other personal consumer reports

MoneyLion is reporting a charged off status for an account that was closed by me. 

Charge off reporting starts XX/XX/2022 XXXX According to their pay ledger given to me by XXXX XXXX XXXX 
Senior Customer Advocate | XXXX XXXX I made a payment XX/XX/2022 before closing this account on my own. 

I ask that Money Lion correct their mistake of reporting the inaccurate information to my credit report or remove the information completely
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 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 an account without my written 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 is inaccurate.
Product: Credit card or prepaid card

I have a XXXX card through Chase. Charges were on the card that I didn't make. I have never used the card. I have been going back and forth with Chase for months. They agreed to remove the charges and waive the fees. They have backed out some of the charges but not all of them. Chase customer service is, of course, worthless.
Product: Mortgage

I am late ... almost 30 days. I went online to make payment. Wo n't let me pay just the past due amount. Its totally impossible online and with their phone system. The ONLY w ay to pay is my past due amount AND next month which is n't technically due or late yet. I either have to make 2 payments or have a 30 day late. This does n't seem right to me.
Product: Student loan

I Called Nelnet on XX/XX/2024 at XXXX AM. I was on hold for XXXX hours and XXXX minutes. When I spoke to a representative I asked that loan group XXXX  be separated into XXXX separate loans so I could pay XXXX of them off. Their website and billing statements say that this is possible. The representative did not know how to do this and was going to transfer me to a superior. While waiting on hold again I was hung up on. The total time on the phone for the first call was XXXX hours and XXXX minutes without a resolution. I called back at XXXX and was on hold for XXXX hour and XXXX minutes. This time I asked to specifically pay off loan XXXX in group XXXX, since ungrouping them seemed like a hassle. The representative said it would be no problem. I verbally confirmed that the payment would apply to and pay off only loan XXXX and not be split between both loans. After being put on hold again the representative confirmed that the payment would only be applied to loan XXXX. This was not the case. When checking my account today ( XX/XX/2024 ) the payment had been split between loans XXXX and XXXX and group XXXX.
Product: Credit card

My son suffered a XXXX in 2013 and I had to take him to XXXX Colorado for treatment. While I was there my ( now ex-wife ) who is not my sons Mother decided to divorce me seeing my son XXXX as a potential drain on retirement. She cleaned out all the cash and locked me out of every credit card and bank account we had. 

Citibank was among those cards where we shared a joint account. I was equally responsible for the debt and enjoyed full card privileges. I used that card to cover reimbursable expenses while my son and I were in XXXX ( XXXX transferred him after a long fight ). When I arrived home with my son who could speak again ( See : XXXX for the result ), What my ex-spouse and her attorney sister had figured out you could do to another consumer using privacy laws was as amazing as it was devastating. I lost my home, all my savings, tens of thousands of my son 's recovery money was gone. All of it protected by privacy laws. I was eventually driven into bankruptcy defaulting on my own lenders needlessly, my son 's miraculously successful rehabilitation terminated, and I was forced to sell my home. 2 years later I still can not even get Citibank to release my statements from 2013 citing privacy laws. Those are my own financial records too. I need those statements to get food and lodging and other expenses reimbursed and Citi refuses to release them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I called on the phone for a free annual report from all three credit bureaus. I received my annual reports from XXXX and XXXX. I called again on XX/XX/19 and ordered my free annual report for just Equifax. It is now XX/XX/19 and I have not received or been contacted by Equifax.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX my Address is XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX phone # XXXX the las 4 digit of the credit card is XXXX I applied for above credit card and there was a balance transfer promotion of 3 % so I took advantage and transfer {$5000.00} and the bank changed me {$150.00} upfront which is normal I always do that with them for the past 10 years I always called an agent when doing balance transfer but this time because of the pandemic is very hard to reach an agent so I did it online which also did it in XXXX XXXX without problem, after three months keep payment and balance almost looks the same so I checked my statements from three and I saw the keep charging me interest which thats was not the deal so I reached out to them and the said it was direct deposit which I never did that so please I need a help to dispute this which is about {$230.00} with in 3 months because of this I have to get another loan to pay {$4000.00} to the account last week which is disappointing and painful and stressful.so please I need your help thank you.
Product: Debt collection

I never received a letter informing me there was an account in this collection office ; therefore I was not given a fair chance to dispute this before it went on my credit. Since the account has been reported on my credit I have sent a letter requesting validation of debt with no response. I have disputed with the credit bureau. The companys response was this is valid but never sent me proof of debt or an explanation of how its valid. I then disputed with the CFPB and the company didnt respond until they were contacted a 2nd time by the CFPB. In there response they said they have never contacted me which means they never sent me a letter advising I had an account in there office which is required. I refuse to pay someone that can not provide proof of a debt after 4 outreaches. Not to mention this should not be on my credit since I never received written notice there was an account with this company.
Product: Debt collection

I keep getting threatening from calls from an XXXX company that is scam. They are calling from a no caller ID number threatening to contact the local law enforcement in XXXX ms about a loan. They are harassing me to give up bank account information and pay it in full with a debit card. When I refuse they will call my cell phone back to back up to XXXX times a day and have even called my job leaving messages to call them at XXXX. I contacted the Ms Attorney General and filed a complaint they are a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining a copy of my consumer report. I seen that they were numerous unauthorized transactions furnished onto my consumer report. I never gave him an information for any of this to be furnished. An so to use my Social Security number an personal information without my consent is fraud an identity theft. I cant believe that this company would furnish these fraudulent inquiries and accounts on my consumer report without even contacting me. Or getting some type of written permission from me. I have to speed of these inquiries and accounts numerous times. These accounts are in violation of my consumer rights. This has caused me XXXX XXXX XXXX XXXX XXXX An caused me to get denied for numerous things which I consider damages.
Product: Debt collection

This company received their merchandise back further mire it is a violation of FCRA to continue to report a debt in a consumers credit report more than 7 years. Even if the account was legitimately owed the date of last payment was XX/XX/XXXX. The account would have gone into delinquency and would be purged in XXXX. This is repeated reporting as delinquent is not legal.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts that have appeared on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested a thorough investigation. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and significantly impacting my life. The negative effects of these inaccuracies have caused immense hardships for me, affecting my ability to secure necessary financial services and live a normal life. I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to ARS ( Advanced Resolution Services Inc. ) requesting them to provide proof of me giving them WRITTEN PERMISSION to obtain and furnish my personal information to any XXXX XXXX XXXX. Advanced Resolution Services concluded its investigation by stating BANKRUPTCY XXXX ( XXXX ) was properly associated with me and cited this information came from XXXX BANKRUPTCY COURT MIDDLE GEORGIA but no proof of my WRITTEN PERMISSION. This puts Advanced Resolution Services in violation of 15 USC 1681 ( b ) ( 2 ) because this company is obtaining and furnishing my personal information without my WRITTEN PERMISSION. I also have a letter from The XXXX BANKRUPTCY XXXX XXXX GEORGIA stating they do not report any personal information to any Credit Reporting Agency but the XXXX XXXX XXXX are allowed to use a public internet source known as PACER to collect my personal information, thus proving Advanced Resolutions Services is getting information from a public source and not me. For Advanced Resolution Services to knowingly TRANSFER, POSSESS, and USE my personal information is a violation of 18 USC 1028a ( Aggravated Identity Theft ), which is a punishable offense. I intend on holding Advanced Resolution Services liable for any undue financial hardships I suffer at the hands of their negligence of the law.
Product: Mortgage

I have been trying to get my escrow refund since XXXX. Im owed {$2000.00} that is overpayment for county taxes. I have called about 8 times since XX/XX/XXXX.
Product: Debt collection

On XXXX XXXX, 2016 I submitted a letter to Midland Credit Management Inc, requesting a copy of contract that I have made with the company regarding a debt the company claims I owe them. In response I received a copy of a XXXX statement that states the account was charged off. Midland refuses to XXXX out my amount due owed, stating the debt is valid. I spoke with a representative from Midland, XXXX, who states that her company will not dismiss the fraudulent debt and that I still have a balance owed.
Product: Debt collection

I was contacted by a third-party company asking to settle the amount owed. I stated that the amount owed was not being reported correctly the representative stated that they will being to place a judgement on me as well as seize my bank accounts and other assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX as an account of mine. It is not my account and was removed from XXXX Credit Report and needs to be removed from this one as it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XXXX I was affected XXXX, and it affected me pretty badly, I didn't make any commissions and couldn't meet with any customers while I was ill. 

I contacted by lender and told them if I could put the payment on the back end of the loan since I was unsure when I would be able to work, and I also needed to make sure I had as much money available to me so it was a courtesy I was looking for. 

Last year I was affected by XXXX last XXXX and they moved a payment on back end for me. The rep did not mention to me that I was ineligible to put the payment on back end since it was already done within a 12 month time. She told me I would have a payment that would be due in the following month. I did not receive any notice that my approval was denied for the extension. 

As I recovered and was planning to catch up I received a notification that I received a 30 day late. I contacted XXXX and they stated I would need to dispute it to the credit bureaus depsite the fact that they listened to the recording and they rep wasn't clear that I was denied or approved, and I never received anything from XXXX stating that I wasn't approved. 

The supervisor I contacted stated he was going to put a recommendation to remove the late since I have never been 30 days late before and this was a misunderstanding.
Product: Money transfer, virtual currency, or money service

Wont allow you to link with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

there is some inaccurate information reporting.

XXXX XXXX Account Number : XXXX Delete this account.

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit card

On XXXX/XXXX/15, I disputed an Incorrect Electronic Funds Transfer with Discover Card for Image Dental ( {$600.00} ). Since this time only a temporary credit was issued and again the ( {$600.00} ) appears on my account. I was told by Discover Card they do not offer permanent credit for Incorrect Fund Transfers. They only ask the Merchant to provide a credit to my account.