23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint to dispute certain debts that are inaccurately reporting on my credit report. My information has been leaked in multiple data breaches. According to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have requested validation of these debts, as they do not belong to me.

Details of Complaint : The debts listed on my credit report are not mine.

Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request that the debt collector provide written validation of the debt, including the original creditors name, the amount of the debt, and proof that I am legally responsible for the debt.

Additionally, under 15 U.S.C. 1681i ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccurate information within 30 days.

The debt collectors have not provided sufficient documentation to prove that these debts are valid or that I am responsible for them.

Reporting inaccurate or unverifiable debts is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information in consumer reports.

Requested Resolution : 1. I request that the CFPB investigate this matter and direct the credit reporting agencies to remove the disputed debts from my credit report unless the debt collectors can provide : o A signed contract or agreement proving that I am responsible for the debt.

o A complete payment history, including the original creditors name and address.

o Proof of assignment or transfer of the debt ( if applicable ).

2. If the debt collectors are unable to provide this documentation, the debt should be permanently removed from my credit report, as required under 15 U.S.C. 1681i.

3. I also request that the CFPB ensure that the credit reporting agencies and debt collectors comply with all provisions of the FCRA and FDCPA moving forward to prevent further inaccurate reporting.

I appreciate your attention to this matter and expect a resolution within the legally required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

This is a dis pute regarding a removal of a 30 day late reporting on our credit bureaus due to ROUNDPOINT MORTGAGE system failure to withdraw fund from our account and Failure to notify us as borrower in due time to take action. In response to our inquiries, Roundpoint was n't able to provide any factual information to disprove our case but rather incorrect facts about the course of action taken. We have all phone records, email confirmation etc to prove that Roundpoint was inaccurate in their assessment of denying our request to remove the 30 day mortgage late from our credit bureaus. Attached is a series of event and correspondence with Roundpoint. More detailed information can be provided upon request.
Product: Credit reporting or other personal consumer reports

This is my 2ND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXXXX
Product: Checking or savings account

I was expected to receive my direct deposit on XX/XX/year>, it has now been XXXX hours and the deposit is still not available to me and I have been given no ETA as to when my funds will be available.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX  XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXX XXXX XXXX   XXXX ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX  To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

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

i my tjmaxx credit card couple of years ago 6-7 years and last year, i never miss any due payment date since the first month i got the card and i pay it in full if i necessary or i pay with interest? And last yeat on XXXX i contacted to change my payment instead of XXXX change it XXXX dolllars on the Due date and they said they can't cance and do that and they need i need tell my Bank XXXX to do that? it is all recorded? So my bank did it and they change it to XXXX dollars only and then i receeived to the that on XX/XX/XXXX they closed my account? and told the why? and i never miss a payment to you and they know that is the only credit card that i have for 6-7 years? and they want to ruin my credit and i told them even i pay it in full amount to reopen my account? they said they are the owner? And they dont have my consent or let me know why they closed my credit card account? So i settle it because it useless and i donot have a rights as a person or a consumer or as owner of that account and my name is on the card? And now they reported like that? to ruin your credit? i will understand if i miss a payment in a due date or i do not pay or have a past due or defeciency or i do not have money to pay them but i told them why? They said the bank is the owner, really so i do not owe money to them if they owner of the account? The iwant a dispute there hard inquiry last XX/XX/year> for a second they closed and open? i have a credit card with and only recently i saw it on my credit report?
Product: Credit reporting or other personal consumer reports

I previously requested on XX/XX/year> to opt out of all communication for XXXX accounts listed on my Transunion report. Please see my last complaint on XX/XX/year> here through the CFPB. I also notified the creditors of the accounts in question that I refused to pay any of the debts they alleged I had. I'm asking the CFPB to enforce XXXX to adhere to the FCRA under USC 1692 C : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Therefore my request to cease and desist under 1006.6 ( d ) ( iii ) - Debt collectors must also cease communication with consumer reporting agencies.
Product: Credit card

THE CUSTOMER SERVICE REPS IN THE DISPUTE DEPARTMENT HAVE LIED TO ME FOR THE LAST MONTH ABOUT THE STATUS OF A FRAUDULENT CHARGE ON MY CREDIT CARD ACCOUNT TELLING ME EACH TIME I HAVE CALLED FOR AN UPDATE IT WILL BE RESOLVED IN 30 DAYS. On XX/XX/year> a vendor called Perfect Cleaners made an unauthorized charge on my Goldman Saks Apple Credit Card. I contacted Goldman Saks regarding this unauthorized charge on XX/XX/year> and was told specifically that if the Perfect Cleaners did not provide proof that the charge was authorized WITHIN 30 DAYS the unauthorized charge would be removed from my account permanently. I asked during the phone call if anything else would be needed from myself and I was told NO. There is no way Perfect Cleaners will be able to provide proof of this unauthorized charge because I never authorized the charge. I called Goldman Sachs XXXX XXXX during the month of XXXX and into XXXX for an update and EACH TIME I WAS TOLD THE CASE WOULD CLOSED UPON LACK OF PROOF OF AUTHORIZATION OF THE CHARGE AND THE CHARGE WOULD BE REMOVED FROM MY ACCOUNT WITHIN 30 DAYS OF MY FILING. Goldman Saks can review every single call regarding my account and hear for themselves exactly what was said. Today, XX/XX/year>, when I called to confirm this has been permanently refunded and removed from my account I was hung up on by off shore customer support agents REPEATEDLY who did not wish to provide me with any service on my account whatsoever. I did get a gentleman by the name of XXXX at XXXX point who filed a complaint on my behalf telling me that in no way are customer support reps supposed to hang up on customers. I called today 4 times beginning at XXXX XXXX and the last call being XXXX minutes which began at XXXX XXXX. I was on the phone for approximately XXXX minutes attempting to get appropriate assistance on this today. At one point I was told that the customer service reps I spoke with during the month were in fact wrong, apparently they should have told me it takes 90 days to resolve unauthorized charges. However, that is not what I was told by numerous agents throughout XXXX and XX/XX/year> each time I called to address my concerns. It has been the most unprofessional experience Goldman Saks has allowed me to go through and I wish to file a complaint at the highest level. I want the calls listened to and I want the unauthorized charge handled the way I was told it would be. I am in the process of pulling my phone records from XX/XX/XXXX through today in the case I need to make additional complaints so that each and every time I was told 30 days will be confirmed by somebody other than myself. Upon speaking with a rep at the XXXX XXXX XXXX XXXX I was told to do my due diligence and file this complaint before I follow up with a filing with their office. I am doing that now. I expect resolution immediately as the the mistruths Goldman Saks has been telling me with regards to my bank credit card account. Goldman Saks has lied to me from the beginning of my filing over this fraudulent charge and I want it addressed.
Product: Checking or savings account

In XX/XX/XXXX my chime account was closed unexpectedly. Upon reaching out to customer service I was told my payroll check would be sent back to my place of employment and my account was closed indefinitely with no reasoning as to why. Here it is XX/XX/XXXX and Im receiving emails about the balance left in my account that I was locked out from and was not able to log into.

Looking in my account transactions after 3 years of being locked out, the remaining funds were removed XX/XX/XXXX per chimes system but I have not received it. No one can tell me anything about my account until it officially is closed XX/XX/XXXX Why was the account closed initially to begin with
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my father sent a wire transfer from his bank in XXXX ( XXXX, XXXX : XXXX ) to my account with Capital One at the XXXX  address provided by my bank ( XXXX ). The amount of the wire transfer was XXXX, approx. {$1500.00}. 

When I realized that the sum was not credited to my account and verifying that all the payment details were correct, I contacted Capital One to ask to investigate. They claimed that they couldnt do that and asked me to have the sender cancel the payment. When my father tried to cancel the payment and the debiting bank asked for a refund from Capital One, they refused to send back the funds. I have then called Capital One again at least XXXX times with no success. Every time I call Im being told that I need to speak to a different department, and I have to stay on the phone for XXXX minutes just to get no answers. On XX/XX/year>, I filed a complaint ( # XXXX ) but after calling XXXX more time, I still havent got any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED A COMPLAINT THROUGH CFPB PORTAL ON XX/XX/2022 RECEIVED A RESPONSE FROM EQUIFAX COMPLAINT NUMBER BEING ( XXXX ) According to the company Equifax response they stated the account/s that are currently reporting on my consumer file were XXXX XXXX, in which this company Equifax stated they have verified belongs to me. Second account being XXXX XXXX XXXX, Equifax stated that it shows in their systems that I have previously tried disputing the account and the Third account being listed as XXXX XXXX XXXX  where Equifax stated in response that has also been previously disputed by consumer. Based off of the response from the company Equifax response they have admitted to being in violation of the FCRA15 usc 1681b PERMISSIBLE PURPOSE OF THE CONSUMER REPORTS ( a ) IN GENERAL Subject ( c ) any consumer reports under the following circumstances and no other : ( 2 ) In accordance with the written instructions if the consumer to whom it relates. I have never given the CREDIT REPORTING AGENCY Equifax written consent to furnish a consumer report on my behalf. According to the company response Equifax has admitted to being in violation of AGGRAVATED IDENTITY THEFT PURSUANT to 18 USC 1028A. Equifax has knowingly transferred, possessed, or used, without lawful authority 's means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability 15 usc 1640. Under the FDCPA this agency were supposed to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. Therefore, the following accounts must be deleted from the report.
Product: Checking or savings account

On XX/XX/22 a check was fraudulently cash on our HOA account. A check for {$520.00} was altered to {$18000.00} and cashed. A claim ( XXXX ) was filed XX/XX/22 with XXXX XXXX at the XXXX branch XXXX She said the check appeared to have been " washed ''. I have been calling and responding to all correspondence from the bank and have received no results. The declaration of Unauthorizes Endorsement as well as supporting documents were submitted to the claims department on XX/XX/22. On XX/XX/22 I contacted customer service about the lack of response and I was told this would be escalated to the Chairman 's office and someone would be in touch within 24-48 hours. I have called several times since then, received conflicting information, and no one has contacted me as of today. The police have complained about the lack of transparency, but have been able to work with XXXX XXXX  to determine the account the funds were deposited into. Some of those funds are still there. We have done EVERYTHING that has been asked of us and it's hard to believe that our funds are not safe in a bank. We feel our funds should have been returned immediately and we do not feel that we have been protected as consumers. 
XXXX XXXX of the XXXX XXXX XXXX, MI police department XXXX has been doing an outstanding job, bur we are reaching the limits of his jurisdiction. We need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts.

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights.

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated.

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit Reporting Act. This list if accounts have violated my federally protected consumer rights. 
Inquiries below have violated my rights XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Accounts below have violated my rights XXXX XXXX account number XXXX XXXX amount XXXX XXXX XXXX XXXX  account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX  account XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX AMOUNT XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 SECTION 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXXXXXX XXXX XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : 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 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 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 ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

last week recieved information the transunion has deleted incorrect information on my credit files from CFPB case number XXXX response from complaint, Relief We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. it was not deleted from all files
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX ( Monday ), I was scammed by individuals who claimed to be from the ICE ( US Immigration and Customs Enforcement ) and lost roughly {$3300.00}. I would like to file a complaint regarding a transaction that was made through Pay Pal which was made on theXX/XX/XXXX when the scammer hacked into my phone and had access to my Paypal. A total of {$110.00} was transferred to his email XXXX XXXX XXXX. The Paypal transaction ID is XXXX. This was paid with my XXXX XXXX card with XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX Received a loan with no interest for 12 months for XXXX.. With Capital One. Between XX/XX/XXXX-XX/XX/XXXX I received charges of {$1800.00} that were not mine. To date I have paid {$2000.00} and have a current balance of {$1300.00}. And I am paying interest. I requested removable of these false charges. I told them someone or someones charged to another credit card also & a retail credit card. They just ignored me. XX/XX/XXXX they closed & locked my account ending in # XXXX & transferred the balance to a new card ending in # XXXX. I received a letter that my account had been turned over to their dispute team. I refuse to believe that a Credit Card Company can add anything to your account and you have to pay it! With interest!!
Product: Credit card or prepaid card

I use Barclay Card and went to use my app and they had said I needed to call XXXX for Service, not sure why no notice or email. I called this number two phones at a time and set on hold for longer then 45 minutes 6 times and nothing still. I finally called another number to get my payment paid but he said I had to talk to customer service before my online would be active, he transferred me, and then disconnected me instead. i am still currently on hold for another 25 minutes and counting and nothing still. This is complete waste of time for a working individual. Credit Card Companies should be ashamed of themselves for this kind of service.
Product: Money transfer, virtual currency, or money service

Regarding transaction # : XXXX On XX/XX/2021, I remitted money to XXXX through Xoom XXXX Transfer service. They told me through electronic confirmation that money has been transferred and transaction is completed. The recipient told me that the money has not been received. I contacted Xoom and they told me that the money has been transferred. They wanted me to provide a copy of the bank statement of recipient. I provided it. They wanted to me provide another bank statement with all entries in there to prove that funds were not received. I provided that to them. After that, I did not hear anything from them. I have written to them several times with response from them. I am concerned that someone engaged in fraud. Money can not disappear in online transactions just like that without fraud and Xoom refuses to pay me back my money.
Product: Debt collection

On XX/XX/XXXX, I received a fraud police report for 6 fraudulent accounts. The same day I sent a copy of this police report to Equifax, XXXX  and XXXX listing all of the accounts that where affected by the fraud. Equifax received my letter onXX/XX/XXXX. On XX/XX/XXXX Equifax sent me a letter stated " We have researched the credit account : This item has been deleted from the credit file for ALL 6 fraud accounts. I  applied for a XXXX and XXXX credit card on XX/XX/XXXX and my application was denied because Equifax is still reporting a fraudulent Delinquent XXXX account ( {$10000.00} ) which was clearly listed on the letter dated XX/XX/XXXX listed under " this item has been deleted from the credit file ''.