23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was contact by XXXX XXXX and they said they were collecting a debt on an old account I told them I needed additional information and I was told it cost them more money to get account information but they have enough to proceed with further actions if I do not pay. They mentioned they seen I have cleared up all my past debts so that prompted them to contact me to clear the one they purchased. I have they kept asking me if I seen them on my credit report which I answered no but then said used it as a threat which they did add to my report. Once on my report I could see the name of the original creditor " XXXX XXXX XXXX '' The qualifications to join this union are to be a XXXX resident. I have never lived or know anyone who lives in those stated. I am not eligible to even have services from this credit union. This is clearly fraud and they are constantly acting as if they a re making changes to my report so they know my credit monitoring will alert me. I submitted a dispute to experian they did not change anything. They should have an application of some form with my address or how I am eligible to have a loan from this credit union. This is not a standard bank. That should have been an easy way to find out if this is a true debt of mine I am not sure what the review process is but I do n't believe it was looked into correctly. I communicated with XXXX there were several disconnections they told me the have a internet phone system. If I legitimately owe this I would pay but it seems far too sketchy and they seem to now how to pull of the disputes of experian they did n't even try to add to my other credit files. I am not trying to discredit anyone maybe they bout a bad debt with wrong file information. I tried to submit another dispute being more detailed about the fact I am not eligible for this credit union but they say they will not review the same dispute twice but I can put a comment on my file. If they do not look closely they are only adding to the problem.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX : number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX from NP Group called me today XXXX/XXXX/XXXX. she claimed i had up to {$3000.00} from loans that i have not take. she claims that money was deposited into my XXXX XXXX account ending in XXXX multiple times. XXXX she claimed on XXXX/XXXX/XXXX and XXXX in XXXX XXXX. I got in contact with the bank and verified that was my account at the time and had them email me the statements from XXXX XXXX to XXXX XXXX there are no deposits from the companies she claimed i took loans out with. She did not identify as a debt collector. The only payday loan i have taken online i have paid back in full. These supposed payday loans are not on my credit report either. this is the first i have heard about these so called loans. XXXX XXXX told me to go to XXXX ( already a red flag for the site ) and gave me XXXX numbers to look up, XXXX the info on their site has XXXX numbers that pull up no info. only XXXX of the supposed loans are in the time frame of the bank account being opened
Product: Debt collection

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX. Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at [ Your Contact Information ] to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had a paypl account for many years used for buying and selling on XXXX. All of my transactions are documented from start to finish with all paperwork that is required. I have not had charge backs or complaints on my account since I opened it. All happy customers and great reviews on both platform 's. Recently I started selling my collection of sneakers and there was a uprise in transactions on my account. I got a email from PayPal on Wednesday XX/XX/2021 at XXXX XX/XX/XXXX saying PayPal locked me out of my account and is holding roughly almost {$1600.00} dollars for 180 days. I tried calling XXXX XX/XX/XXXX to rectify the issue and they said there's nothing they can do and wait 180 to receive my money because of charge backs .I have never once had a charge back or problem with that platform. I only have one pending transaction for {$260.00}. I think this is unnecessary and not right. Paypal has had several class action law suits for this reason. I'm not unwilling to work with them, but they are being unreasonable and giving me very broad reasons for the freeze. I don't care about working with them anymore. I just want my hard earned money. Please, any help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX, : XXXX Account # : XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise TransUnion was reporting FALSE INACCURATE information to my consumer report by marking an account in collections as " open '' and by having inaccurate balances. On XXXX I disputed This inaccurate information with TransUnion nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and TransUnion is currently RE-AGING this account which is a violation of FCRA sec.605. On XX/XX/2022 TransUnion responded by saying this account is " verified as accurate ''. How is this account verified as when TransUnion has not verified the ACTUAL date of last activity and XXXX has the real " date of last activity '' THIS IS FRAUDULENT AND ILLAGAL UNLESS TRANSUNION CAN SUMBIT MY PAYMENTS RECIPTS FOR THIS ACCOUNT. PLEASE REVIEW MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE TRANSUNION HAS NOT VALIDATED THIS ACCOUNT AND HAS BEEN VIOLATING MY RIGHTS UNDER FCRA SEC. 605 RE-AGING DEBT!
Product: Student loan

I have no outstanding debt owed. The " debt '' they are trying to collect was for a semester I never attended. I fell ill at the beginning of the semester and withdrew and had a confirmation of withdrawal. I was informed that there would be no charges since it was prior to the semester start. I still received a bill and when I contacted the school, they said to ignore it as it was already handled, and it must have been an error. This was back in XXXX, I think. Since then, I received many calls saying it went to collection, and it needed to be paid. I was told by the school to not answer these calls. Fast forward till now and I and my family/friends have been getting calls requesting information and stating I have a debt in collections. I do not have access to most documents as they were through my school email and old email, I no longer have access to, and calls to my " advisor '' at the school.
Product: Bank account or service

I have a business checking account with Bank of America. My ATM cards magnetic strip apparently wore out, because XXXX ATM machines at the branch had trouble reading it. After repeated attempts at the XXXX ATM 's I was finally able to perform my transaction. I logged into my account to request another card, and it said a fee would be charged for cases like lost cards, which makes sense, but it did n't clearly say if a fee would be charged if a card wears out. I then went into the branch and told the representative that my card was n't working and I need a new XXXX, but was not willing to pay a fee. She then typed on the computer and told me a new card would be mailed, and said nothing about a fee. XXXX days later ( this morning ) I log into my account and see they charged {$5.00} for the new card. This is absolutely unacceptable to charge someone a fee without telling them, especially when they are standing in front of the employee telling them they are not willing to pay a fee. Obviously I 'm furious, because had she told me there would be a fee I would have said do n't order a new card. I 've had multiple problems with BOA and this will probably be the final straw that makes me close my account. I will be going back to the branch today to tell them I want the charge refunded, but no matter the outcome I am filing this complaint for their deceptive and unethical business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in accordance with the Fair credit reporting act XXXX  Account #, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent / instructions. 
XXXX XXXX # -- XXXX XXXX XXXXXXXX XXXX # -- XXXX XXXX XXXX # -- XXXX XXXXDept/ED # XXXX -- XXXX XXXX # -- XXXX XXXX XXXX XXXX # -- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, my checking account was a victim of fraud. It was debited {$1400.00} causing an overdraft to that account. I noticed it on XXXX when Overdraft protection kicked in for {$200.00} and I received an email notice of same. 
I immediately went into my account and noticed that there was an entry from XXXX that said Banking Center withdrawal at XXXX XXXX , XXXX . I live in XXXX XXXX, XXXX and was not in XXXX XXXX at XXXX XXXX withdrawing {$1400.00}. As a matter of fact, there was only {$1200.00} in my account when the {$1400.00} was given by a teller to an unknown individual. The teller gave this person more than was even in my account! 
I called XXXX  XXXX XXXX Fraud division on XX/XX/XXXX at XXXX and reported same.They asked if I had my debit card and I replied yes. I was given the following confirmation id : XXXX. I was told it could take 60 business days for them to investigate. After XXXX days ( which was on Friday, XXXX, I received a notice in my email from the Fraud Department. They stated that they had determined that the claim would not be honored because the Debit card and pin were used as ID during the transaction. This is an outrageous result! Given that this was a teller transaction, did they view the camera footage?? What investigative methods did they use? My assumption is that at one of their banking centers someone must have had a way to copy my debit card and pin. I have been a B of A banking customer for almost 16 years and this is how they treat me? Not only did they fail to protect the security of my debit card but they released more money than was even in my account to a criminal. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for debts and credit inquiries that are reporting on my credit report. These following companies are not mine and do not belong to me. XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX  on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These are accounts and inquires on my Credit Report that I am not liable for. Also on my Credit Report I am a cosigner with XXXX XXXX. It is stated that I am responsible for Late Payments. I have requested the original contracts for all above accounts which I still was not provided with and XXXXXXXX XXXX has not provided documents of late payments which I also requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through my bank and through XXXX credit. Both advised me Transunion reported my score as a XXXX. My score with transunion has been over XXXX for the last few years On line the score was over XXXX. When they did the hard inquiry I saw the score change to XXXX in real time. There is obviously a mistake in Transunions reporting. I called Transuion and was advised there was a big discrepancy between a XXXX and my actual credit score which in fact much higher. They were going to send verification via email but I have not received anything yet. I called a second time today and they advised me that I needed to file this complaint. This disinformation from Transunion cost me points on my loan application and a great deal of cash over the course of the loan. I NEED Transunion to fix this and send me confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering me.
Product: Credit reporting or other personal consumer reports

After pulling my consumer report on XX/XX/, I filed a dispute with Dep of Education Loan Services/ Aidvantage also the three major credit bureaus XXXX XXXX XXXX XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by Aidvantage/ Dep of Education Loan Services that were reporting age was over 7-10 years. Lawfully Aidvantage should have removed these accounts from my consumer report as they were delinquent. On XX/XX/ XXXX sent me their Investigation Results also XXXX dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 Aidvantage accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to Aidvantage for continuingthe furnishing of false and lawfully disputed information. Aidvantage has made it clear that they do not respect my consumer rights.
Product: Debt collection

In XXXX of 2015, Trident Asset Management began reporting an inaccurate collection account of {$290.00}, regarding an account they said they " purchased '' from XXXX. I have never had service with XXXX. Several years ago, I did contact XXXX about getting cable service at my former residence in XXXX XXXX, XXXX XXXX XXXX out and said service was n't available in my area. Later, I got a bill from XXXX for equipment that was " not returned, '' which is absurd since I received no equipment from them as they could not provide service to the area I lived in at the time. I attempted to fix this with XXXX at least five times through their customer service department. I also disputed the information XXXX reported to the various credit bureaus. XXXX did delete its information when I disputed it. But, lo and behold, it shows up on my credit, again, under Trident Asset Management. When Trident reported it, they appear to have " re-aged '' it as the date of original  delinquency is more than six months more recent that what XXXX had reported. We all know means it will remain on my credit for longer as a result of this.
Product: Credit reporting

Today I have contacted legal advise in obtaining an attorney to sue the credit reporting companies for not removing an account that was opened up fraudulantly ( XXXX ). I obtained very important information from legal advise in regards to how many times I have disputed this information and requested to show me proof when and how I supposably opened up this account in 2012. I have allowed more than enough time to have this issue addressed. I advised the attorney that I spoke with ( XXXX ) from the fraud investigation department at XXXX and was told that this account will be removed. I still have not received anything in writing via mail that this fraudulant account will be removed from my credit reports. I have intent to sue if this is not resolved. Having this fraudulant account reporting on my credit reports is affecting my credit in a negative way.
Product: Checking or savings account

On XX/XX/XXXX, XXXX, XXXX XXXX doesnt want to refund me they keep telling me to call my bank and chase denied my claimed without reviewing any of the attached i submitted which isn't fair from both parties, i don't have my item or my money very unprofessional.
Product: Credit reporting or other personal consumer reports

In XXXX my XXXX loans were paid off when I became XXXX. It took me until XXXX of XXXX to get XXXX TO DELETE IT. NOW XXXX XXXX TRANSUNION ARE REFUSING TO REMOVE THIS FROM MY REPORT! IM TIRED OF TRYING TO TALK TO THESE PEOPLE, ALL I GET ATE EXCUSES!! NINE YEARS & ITS STILL THERE! I NEED HELP WITH THESE PEOPLE!
Product: Mortgage

In receipt of today 's billing statement dated XXXX/XXXX/15 from Wells Fargo and reviewing the previous billing statement dated XXXX/XXXX/15. The total payment due for XXXX/XXXX/15 was {$2400.00}, my deposit on XXXX/XXXX/15 were, $ XXXX $ XXXX {$820.00}, totaling {$2400.00}. In the XXXX/XXXX/15 billing statement the unapplied amounts were {$810.00} and XXXX. In today 's billing statement I know have total unpaid payment of {$2400.00} and a total payment of {$3300.00}. According to Wells Fargo there is also {$540.00} in unapplied funds balance. In previous correspondence, this is exactly the frustration that I described when having to deal with the Executive Offices and in particular XXXX XXXX XXXX XXXX XXXX XXXX. Which you will see in the previous dispute letter, I requested to have another point of contact assigned to me, due to her lack of knowledge, unprofessionalism, passive aggressive behavior and her inability to control herself, as she constantly talks over the client. I have additionally sent out a direct email to the CEO of Wells Fargo, in hopes that this request will take place. Due to the nature of my work XXXX XXXX XXXX XXXX and my hours of operation ( XXXX-XXXX/Monday thru Saturday ), it was my request that I not be contacted in those time periods. Today I received a phone call from XXXX XXXX at XXXX after I specifically requested, that in those times not to be contacted. Due to the safety and security of the Railroad workers, with whom I protect. In true fashion of XXXX XXXX and the Wells Fargo Organization and the lack of disregard for Railroad Workers personal safety, she continues to pick up the phone and contact me. Thus showing her passive aggressive boldness and utter lack of respect. It baffles me that Wells Fargo can not show where my deposits were applied to my mortgage account. The only response from Wells Fargo is, " We 're working on it ''. I have my records to show deposits made and unapplied funds to my account, which sit collecting interest on a daily basis. I have requested all correspondence in writing, as I understand and can digest everything more clearly in that manner.
Product: Debt collection

I am infuriated by the sudden appearance of unauthorized and unacknowledged account [ XXXX XXXX ] and the inaccurate reporting of Bankruptcy XXXX XXXX - Dismissed [ Reference # : XXXX ] on my credit report. No judgment was issued, and I never had a case tried. Remove it promptly.