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

XXXX  XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. Barclays bank - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on XXXX  XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX '' last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Product: Mortgage

My mortgage has been sold several times since our purchase of the home in XX/XX/2022. The last payment we sent in XXXX was to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX. My point of contact at XXXX XXXX Mortgage has been XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX XXXX  stating my loan had been sold to XXXX XXXX XXXX and to send payments to XXXX XXXX XXXX XXXX XXXX, VA XXXX. Also on XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX stating they want my payment and to mail it to XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; Payment due XXXX XXXX. I immediately picked up the phone and called XXXX XXXX to ask if the company was LoanCare , LLC or XXXX XXXX XXXX XXXX XXXX. I got her voicemail so left a detailed message and asked her to call me back. I called XXXX again on XX/XX/XXXX, and once again got her voicemail. I refuse to send a large mortgage payment to an unverified source. Please help me determine who is the owner of my loan and where I should direct my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

when you could start going back to the gyms during the covid pandemic XXXX reopen. They said the club was fully open & everything was operational. before they shut down for the pandemic all the hot tubs were working & can be used. I went to my usual club went to the wet area & the hot tub was closed. I then went to the front desk & asked how come the hot tub is close? the front desk told me that all of XXXX hot tubs will never reopen. I told them the only reason I joined this club is for swimming & the hot tub. I told them I shouldn't have to pay for something I can't use. they said you will pay & I said no way that is wrong what you are doing so I stopped paying my monthly dudes. Now they want {$550.00} I think that unfair thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX XXXX XXXX are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$210.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

They received my account and have been calling requesting payment from a bill that I never opened through them. Repeated calls from different numbers.
Product: Credit card

On XX/XX/2023, I received a text alert at XXXX XXXX  : Free My Best Buy Citi Fraud Msg. XXXX XXXX Did you attempt a charge at XXXX XXXX on XXXX? XXXX, XXXX. Reply STOP to Opt-Out. I immediately texted XXXX for NO. Then, I received another message from the same source thanking me for the response and providing the number for a Fraud Dispute. I then spoke to XXXX separate representatives indicating VERY CLEARLY that I was at home and had not used the card for any purchases. 

The XXXX charges are : 1. XX/XX/XXXX for {$1200.00} XXXX. XX/XX/XXXX for {$100.00} I have called the company various times, I have spoken to various representatives, and they all give me false information about the fraudulent charges. Some of their representatives say these were online charges. Another representative - " XXXX '' - says that the Best Buy representatives gave me false information because the main purchase of {$1200.00} was purchased inside the the store. 

I HAVE ASKED REPEATEDLY FOR A RECEIPT OF THIS FRAUDULENT PURCHASE, BUT THEY CAN NOT OR WILL NOT SEND ME A RECEIPT. THEY HAVE PROVIDED ABSOLUTELY NO PROOF THAT I MADE THIS PURCHASE. THEY HAVE ARBITRARILY CHARGED MY ACCOUNT AND HAVE DECIDED THAT THEY DO NOT NEED TO PROVIDE ME WITH ANY PROOF OF PURCHASE. THE LAST TIME I COMPLAINED THEY SAID THEY WERE ATTACHING THE RECEIPT TO THEIR RESPONSE. HOWEVER, THE ATTACHMENT WAS JUST A STUPID COMPANY LOGO IMAGE - NOT A RECEIPT. I HAVE SPOKEN TO " XXXX '' WHO ASSURED ME I WOULD GET A RECEIPT FOR THIS FRAUDULENT PURCHASE, BUT SHE NEVER SENT ME ANY PROOF. 

I WANT PROOF THAT I MADE THIS PURCHASE, BUT THEY JUST WANT TO CHARGE MY ACCOUNT WITHOUT ANY PROOF WHATSOEVER! 

I DEMAND A RECEIPT PROVING THAT I MADE THIS PURCHASE!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I do not recognize the debt the collection agency is attempting to say that I owe. The dates they are saying I owe is incorrect and I did not take out a loan with the company they're saying I did. 

I have requested on XX/XX/2019 that they provide written proof of the debt, then again on XX/XX/2019. One of their representatives reached out to my father and stated that if I did not take care of the debt a bench warrant will be issued and I will be arrested. 

The representatives I have dealt with leave verbally abusive voicemails stating they are coming to my job to serve me, have yelled " XXXX XXXX will you give me your email!? ", etc. 

I have requested several times via phone and email that they provide proof of this debt and they refuse yet they continue to contact me. 

On XX/XX/2019 I received 8 back to back calls from one of their representatives,, I could not answer because I was at work. When I hit " ignore '' the individual proceeded to leave a voicemail and call right back numerous times putting my job at jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to XXXX, Experian and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXCiti Bank . failed to send me statements via paper mail or electronic since I opened the account causing me damages in my credit history. I called many times and always games no resolution or help me to follow this issue. I opened the account mentioned but unfortunately that is the worst experience I ever had with this credit card. I will like your institution to start an investigation and go to the end since this issue was not follow properly and fairly. 
I really need your help and investigate why they failed and lied stated to me everything is corrected. I went to the USPS and also talked to a supervisor and they are stated not issue was found with my address. 
I already file a complaint with the XXXX  and other credit report companies XXXX, XXXX, XXXX and XXXX. 

Contact information XXXX XXXX XXXX/CBNA XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX AMOUNT : {$13.00} DATES : XX/XX/2022 FAILED TO SEND STATEMENTS CAUSING THIS ACCOUNT TO BE LATE AND REPORT AS NOT PAYMENT. 

NO STATEMENT PROVIDE BY THE COMPANY VIA PAPER MAIL OR ELECTRONIC.
Product: Debt collection

i checked my credit recently and This collection account list the following company as the creditor ( MIDLAND CREDIT MANAGEMENT , INC. ). 
This company is NOT the creditor, I never contracted with them, and I sent certified letters to them to immediately correct my report and remove this fraudulent account. 

they are abusing my rights and i never received a letter from them and if they did ( i honestly do not recall receiving one or i would have for sure dispute it ) so my potential failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court ( 15 usc 1692g. ( a ) ( c ) as i just found out looking at my credit online. this is stressing me greatly! 

I sent Notice & Demand for validation of debt, Dispute letters, see attached This account is to be removed immediately! it is affecting harshly my credit worthiness i work so hard for. 

MIDLAND CREDIT MANAGEMENT , INC.- Last reported XXXX XXXX Reported balance {$1800.00} Thank you for your help getting me proper remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially submitted a dispute with Experian regarding the following accounts reporting on my credit report : XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX This dispute, regarding this unverified and fraudulent accounts was received by Experian, via certified mail, on or about XX/XX/2019. Despite my disputes regarding these fraudulent accounts and my requests for proof of verification of these accounts, Experian is the only bureau that still negligently keeps these unverified accounts on my credit report. The other two bureaus have deleted these accounts, as they are unverified and fraudulent. It has been 63 days and Experian refuses to resolve this issue and I have even been sent a letter by Experian, stating they will not investigate further, when they never truly investigated these accounts in the first place. FCRA states that any account that can not be verified and that is fraudulent must be deleted. Experians willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These accounts need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DISPUTED ACCOUNT ON MY CREDIT REPORT THAT WERE MADE WITHOUT MY CONSENT. According to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorze these account and can not find any permissible purpose under this section that justifies their presence on my report,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

in XXXX i sent a debt validation request to Midland Credit Management regarding a collection account originally from XXXX XXXXXXXX XXXX  with a balance of {$1300.00}. I requested proof of their legal right to collect, a detailed account history showing how the balance was calculated, and documentation verifying my obligation to repay. Despite sufficient time to respond, I have not received the requested information. The account remains on my credit report marked as " past due '' even though it is listed as paid off, which I believe is inaccurate and negatively impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called hyundai motor finance to put my account on an autopay arrangement. This was never completed, I was never contacted by Hyundai motor finance and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as Hyundai with proof of my payment and my phone record showing my phone call to setup the autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not comply with the Fair Credit Reporting Act, Section 609 and 611, in  regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. On XX/XX/XXXX, I obtained my credit file and noticed that Equifax had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. Equifax received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. Equifax sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking Equifax how they verified that these accounts were mine and that they were accurate. Equifax received this letter on XX/XX/XXXX which I have proof of. Equifax once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that Equifax continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX/XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.
Product: Mortgage

I have been late with payments a few times but am current with my account. I paid Ditech on XX/XX/19 $XXXX. The funds have been taken out of my bank account but like so many other times never posted for days sometimes weeks. Ditech is stating on my credit report as of today that my account is 47 days past due and still not reflecting my last payment was XX/XX/XXXX Ditech has reported that my last payment was made on XX/XX/XXXX. This keeps happening and I am trying to refinance. I just learned Ditech has been submitting late payment notifications on my credit report, which is not allowing me to refinance.  I am not paying my XXXX payment until Ditech removes the 60 day past due notification from XX/XX/XXXX and both the 30 day past due notifications from XX/XX/XXXX and XX/XX/XXXX. They are reporting false information and I want ALL past due notifications removed. It is affecting my credit score and the ability for me to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently sent certified requests to investigate information on my credit file. On, XX/XX/20, XX/XX/20 and XX/XX/20. To date the companies have failed to comply AND not done their duty as mandated by law. There actions were a generated computer response. This is my third attempt requesting them provide an investigation and verification into these accounts.
Product: Debt collection

I contacted XXXX XXXX XXXX at XXXX on XX/XX/year> to get the balance of the garnishment. Transferred to XXXX XXXX ( XXXX XXXX XXXX ) that provided me with the outstanding balance of {$1400.00}. I inquired on the payment dates as I was nearing the end of the garnsihments from the total that was filed with the courts. I was provided with the number to the XXXX 's office XXXX XXXX XXXX that confirmed the amount that was received and sent to them should reflect {$3800.00} which is the amount that my employer reflects also. I reached out to my employer and received a print out that I am attaching and have tried to call XXXX back leaving multiple messages to try to resolve this. As my checks will continue to get garnished until they reflect the account is paid in full and send a order to stop. It's very concerning that the money was sent to the Law Firm and the money is not accurately reflecting. Another thing if any additional fees were added I am due the right to know what I am obligated to be paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. code 15 U.S.C. & 1681 Section 604 of The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$15000.00}, {$9700.00}, {$2500.00}, {$8800.00}, {$3000.00}, {$1500.00}, {$470.00}, {$3300.00}, {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I purchased an item from the company website XXXX XXXX XXXX at the end of the payment, the website took me to PayPal to make the payments as personal funds. where I paid the amount. Later I realized this website is a scam and they using PayPal to scam and fraud people. I reached out to the PayPal mentioning the problems and provided all the evidence. Paypal said you send the money as personal funds so we can not do anything and they closed the case. Later I reached out again and mentioned the person using PayPal and still continued to scam the people can you please mention what kind of investigation Paypal did and what actions they took on the account? Paypal is so lazy they said we closed the case and they did not give any information about what exactly Did. 

Later I followed up with my Credit card company and explained the situation and disputed the transaction. My financial institution did the investigation and provided the details, where my financial institution provided the proof that shows the XXXX company seller completely provided the fraud documents that I made different purchases. I provided these proofs to PayPal and I mentioned that This person is scamming people. Paypal did not do anything and The person still continued to scam the people using PayPal. I am so disappointed that PayPal did not provide any update on what actions they took they are so careless and they didn't even verify and check my financial institution investigation and read the seller 's response where the seller used PayPal completely falsified the information. 

Date of Transaction XXXX XXXXXX/XX/2022, Transaction id : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX the company used for money transfer : Paypal