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

BAY ARE RECEIVABLES add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, BAY ARE RECEIVABLES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

American Express supplied me with a credit card which I paid on time for over 16 years. An insurance product, which is involved in a class action lawsuit I am a part of, did not reemburse me for a claim. I disputed this issue for over 2 years. Since this was a breach of contract and the tactic to avoid payment, I stoped paying my monthly payments to American Express which resulted in my account closure and a rapid credit loss. no phonecall letter or email has changed this problwm.
Product: Debt collection

I have received a fwd letter about the company collecting a debt from XXXX  XXXX. I currently have an investigation going on with XXXX  XXXX due to inaccurate reporting this was one of the accounts that was removed from my credit torpor and they went and sold it to a collection agency, I found the inquiry of them pulling from my credit report PORTFOLIO RECOVERY which I did not allow nor give them permission to. I did not even give capital one to give this company my information to even collect on this debt at all. I am providing information in regards to the information I am requisitng and to cease all communications.
Product: Credit reporting or other personal consumer reports

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Debt collection

I received a credit alert of new collection debt on my credit report XX/XX/2020. I immediately attempted to dispute the item because I have never received any notices to pay or know how the balance is what it is. I requested a investigation with all 3 credit bureaus to get more information on this account through Ad Adstra Recovery XXXX XXXX XXXX. 
Instead of receiving information from the collection agency I was served with a lawsuit from XXXX XXXX directly without any type of response regarding verification of debt. They are threatening to garnish my wages in a civil judgement now because I asked about the validity of the balance owed. They have not given me any opportunity or notices prior to serving this notice. It has only appeared on my credit for 30 days prior to lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the loan officer at AAG-Reverse Lending. I had to under go a counseling service according to HUD to determine if I could afford the loan. After the session, I did qualify and I obtained my certificate. I have tons of equity in my home and Reverse Mortgage companies do not need credit reports. 
I spoke to XXXX last Friday and I told her that I would obtain a copy of my report and send to her via email. 
Well, they pulled my credit report without me ever having an APPLICATION or a Credit Release form signed. 
This has resulted in a hard PULL of my credit and if you call the number for the company, it rings busy? I don't know WHAT THEY WANT with my credit since I'd already qualified for the loan though a HUD counselor. The HUD counselor went over my finances. THEY ARE IN VIOLATION OF THE FAIR LENDING PRACTICES AND CREDIT REPORTING ACT. 
They cost me points and no hard pull was necessary with over {$800000.00} equity in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX XXXX**** Balance Owed : {$8.00} ; XXXX  XXXX Balance Owed : {$160.00}
Product: Checking or savings account

This report was made. XX/XX/XXXX. I have reason to believe That theres a hacker pinching money from navy Federal Credit union and all of their customers. A forensic accountant Can find it all I know is that on the XX/XX/XXXX I have {$920.00} on the XX/XX/XXXX i paid XXXX i ended up with XXXX left the next XXXX I only spent XXXX on this he XXXX I only have XXXX left now this is not adding up I have see this continuously happening in seasons from XXXX the same thing happened to XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to buy a home and my mortgage lender pulled a report that showed derogatory information from XXXX. This information had to have been recently put on my credit report because I have never seen this account nor am I familiar with this company. I reached out to this company on XX/XX/2022 and spoke with a man named XXXX. Once I gave him all of my information ( SSN, Date of Birth, etc. ) including the account number that was on my credit report associated with this account, he informed me that he could not find the account. 

He then stated that the account was associated with a different person AND different address but he could not disclose who it was. He then transferred me to their " specialized team ' and XXXX informed me that the name on the account was XXXX XXXX or something along those lines and she saw my name no where associated with the account number or their system. The time of this call was @ XXXX and I believe I was transferred to XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX I signed up for the luxury gold card. The company offered an scra benifits that waived all fees ( including the annual fee ) and gave me 0 % APR on all purchases. In XX/XX/XXXX I heard of friends trying to get the same deal but the company stopped offering it. I spoke with a representative and was ensured that I was grandfathered in and my benifits would not change. In XX/XX/XXXX I received a letter stating that I would be forced to pay the annual fee in XX/XX/XXXX all other benifits would remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX XXXX  refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late  payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccuracies on my Report since XXXX of 2020. Equifax is reporting an account that has no creditor listed. Initially an account with the same account number XXXX XXXX was reporting but now that's gone and this account is showing. I don't know if this my account because there is no way for me to verify the information due to no creditor being listed on my credit report. I've sent multiple letters and they acknowledge my dispute in the comment section but they haven't provided me with who is reporting this information nor have they deleted it from my report. I'm trying to purchase a house and don't understand how I can take care of debt, if in fact it's mine, if there is no creditor listed. I don't know if this is XXXXXXXX XXXX since that was deleted from my credit report. I just need help at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
The complaints were sent to CFPB on XX/XX/2022 Complaint number XXXX And XX/XX/2022 complaint number XXXX These are the accounts still showing inaccurate 1 ) Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. You said you did a full investigation and that these items were XXXX person correct which looking at the report they are not correct. 

I have attached copies of credit report with inaccuracies highlighted in red and need these items removed immediately
Product: Debt collection

EVERYTIME I WOKE UP IN THE MORNING, THESE FRAUDULENT ACCOUNTS ARE STILL IN MY ACCOUNTS AND REPORT. THESE ARE FALSE AND SHOULD BE IMMEDIATELY REMOVED.
Product: Debt collection

I am unsure, but I asked Penerick Capital Partners credit management company to send me a statement with the Date of Service and other details, but it was not done. Today I spoke with the debt collector they are inquiring about a 10-year-old debt that I don't even believe I own as I had 2 health insurances at that time. If I owed the debt the limitations have run out to collect for my state ( Ohio ). They are calling repeatedly even after I asked them to stop and they call from various numbers. Please help. 
They most recently called using XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking upon my credit score and I seen that this company pulled my report without my permission. I am not for sure how they have gotten a hold of my information and I dont approve.
Product: Bank account or service

1. Excessive fees from checking acct. 
2. Denied access to My mothers acct while attempting to withdraw money to evacuate My XXXX y.o.Mother and pets prior to hurricane XXXX..I am Her XXXX and We had almost no money between Us. 
3. Reposesed My car the day before what We agreed on and I had the money from cashing My Social Security check. They took the car that night rather than the following day as agreed.
Product: Payday loan, title loan, or personal loan

This letter is to dispute the interest fees that are fraudulently and illegally being charge to me under a loan through NetCredit. 

I have followed up with NetCredit via email and phone and received no adequate response from anyone. 

This company does not give the option to pay principal payments, you would have to pay their interest fee and then issue a payment on top of that. Their monthly payments are too high for the average consumer to get out of this type of debt and to try and make extra payments. I have called NetCredit on several occasions to refinance this loan. The first time I was told this was not an option that they provided. The last time I spoke with them in the month of XX/XX/2022 I was told that this is an option, but my case had been escalated and I need to wait for a manager to contact me. I have not heard from anyone to date. 

This loan is a High Interest loan and after investigating it appears that this illegal and fraudulent. 

The total amount loaned is {$8100.00}. NetCredit takes money out of my bank account with XXXX every 2 weeks. Wednesday. XX/XX/2022 was the date of the last withdrawal. To date NetCredit has collected over {$2300.00} in Interest and is illegally charged. My biweekly payments total {$210.00} and result in a minimal amount of that payment being applied to the principle. In fact, after 12 payments of {$210.00} I have only paid about {$250.00} toward the principle. This is illegal. 

How is it that it is legal for a company to charge an interest in that amount? The APR that NetCredit is giving me is over 63 %. 

The state of Florida maintains the position that it is illegal for a loan to have an APR over 18 % : Florida Statue 687.02
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, an unauthorized wire transfer {$32000.00} appeared on my saving account. According to Chase employee, someone with my fake ID went to one of Chase branch and initiated this transfer. Chase started a case with number XXXX. But Chase fails to recall the money and wants to close the case without taking responsibility and reimbursing my loss. 
Besides, I already report to local police in XXXX, IL and got case number XXXX.
Product: Credit card or prepaid card

Wells Fargo is at it again! 

While I was on vacation in XXXX in XX/XX/2022, my credit card was charged for {$840.00} ( USD ). I did not make such a transaction and therefore I reported it to Wells Fargo ( the bank issuing the credit card ). 

Now it's been 6 months since the report and Wells Fargo refuses to pay me back for this fraudulent transaction on my account. In the meantime, Wells Fargo has passed me between their various departments ( dispute department, fraud department, etc. ). Finally, after 6 months, they have produced the attached receipt from the merchant. There are multiple issues with the receipt : 1. Most importantly, the signature on the receipt is forged ( it's not my signature- not even close- and I did not sign this receipt ). 
2. It is not itemized hence it does not show what was purchased. 
XXXX. It is unclear who the merchant is ( the company XXXX which appears on the receipt seems to be an online billing company not the merchant ). 

In spite of this clearly forged receipt, Wells Fargo refuses to pay me back and has told me that they will not take any further action on this case. 

I can let this go and pay the charges, however, there are perhaps thousands out there who are not as lucky as myself to be financially secure. Wells Fargo is likely refusing to pay those deserving customers as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 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 NUMBER : 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 : INQUIRY : XXXX XXXX  XX/XX/2024 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 this fraudulent account 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: Prepaid card

Several months ago, I purchased a prepaid card for my XXXX grandson, XXXX XXXX, for work he had done for me. We purchased the card at XXXX. We attempted to activate it multiple times by uploading his photo ID from the DMV along with his SSN card, but received a notification from PayPal Prepaid Department that the activation was rejected because they could not verify his identity. 

Despite this, I have never received a refund for the card. I have tried reaching out to resolve this issue through several channels : I went back to XXXX immediately ; they refused to refund it because it showed " activated '' on their end, even tho

ugh PayPal refused to activate it! When I contacted PayPal, they informed me that I need to reach out to Netspend, as Netspend is
responsible for issuing the refund. However, despite my attempts, I have not received any resolution. 

I have called but been unable to get through the automated system. I sent a letter via priority mail to Netspend. I have also attempted to email multiple times, but none of these efforts have resulted in a response. 

I would appreciate immediate action to resolve this issue and request that Netspend refund me as soon as possible. I can be reached by phone at XXXX. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I placed a security freeze on my National Consumer Telecom and Utilities Exchange ( NCTUE ) file ( following potential bank fraud I recently experienced ). The New Jersey address listed on the security freeze confirmation is an address at which I never paid utilities because this address belonged to my former employer ( a boarding school ). My former employer paid rent and utilities at this address. 
ALL DOCUMENTATION TO CONFIRM THIS COMPLAINT IS AVAILABLE UPON REQUEST.
Product: Payday loan, title loan, or personal loan

I got a few calls from this company and they listed their name on my voicemail ; now my wife knows ... .. We're getting a divorce ... .. They should never say their name on a voicemail .. Please help and stop them ..
Product: Mortgage

I recently bought my home and the lender was XXXX XXXX, XXXX sold my account to Lakeview on XX/XX/19. I made the following payments to XXXX XXXX : {$600.00} on XX/XX/19 Closing Interest {$15000.00} on XX/XX/19 Principal {$2200.00} on XX/XX/19 Principal XXXX   XXXX sent me a statement on XX/XX/19 with a remaining balance of {$240000.00}, with {$740.00} interest. XXXX sold the account and the current lender Lakeview, they started charging interest on the original amount {$260000.00}, at first they told me since they don't have all the payment information, and will adjustment the payments ones they receive all the information from XXXX XXXX. However, now their history shows that they have received all dates and amounts of payments, however, they did not correct the principle they charged interest on. I have continually been calling and sending them e-mails. They didn't correct it, and continue to give me incorrect principal amount. Therefore, charging me more in interest. I am making more in payments towards the principle but they are charging more in interest, on {$260000.00} principal - verify payment made on XX/XX/19 to Lakeview, interest charged {$790.00}, whereas interest charge should have been XXXX. I have this statement from XXXX XXXX, showing the correct principal of {$240000.00} and a payment in interest was supposed to be {$740.00}. However, Lakeview charged {$790.00} in interest. This has continued and therefore, my principle is incorrect, and my overpayment that should be applied towards principle is going towards interest. Therefore, the principal and interest is incorrect. I have been told several times they will fix it but they don't each time I call in I am been told we will update and correct the error within 5 days. However, they haven't, every time I call they keep transferring the call it take almost 2 hours and then someone will assure that they will get the account corrected, but it never happens.
Product: Debt collection

Inaccurate unauthorized Fraudulent Collections Charge Offs Activity in XXXX And XXXX Credit Report This Fraudulent Activity On My Account And I Need All Removed Immediately. 

I have not supplied proof first under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, ) I presume that no proof of the alledged debt, nor therefore any such debt, exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I needed deleted are listed in the report attached. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted immediately to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I made my last payment on my bank loan for 1.5 years I deserve to be treated equally and as fairly as a white person. I DESERVE equal fair treatment!! Experian dropped my credit score by improperly prejudice " Closed acct ' how is this even legal. I attempted to file dispute not sure if correct report # XXXX. 
I also paid off a XXXX auto loan never late I never receive what I'm entitled to. What's wrong with this country stealing people 's rights we thought we overcame XXXX Does any law apply to this action