23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Commonwealth Financial System, Incorporated XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian, Equifax, Transunion. 

Account : Dispute/Refuse I am stunning that reviewing my credit report I found this absurd collection, damaging my credit. 
This collection agency is complete inaccurate and I do not owe any money for those services, for that reason I requesting to be removed from my credit. 
This claim is complete absurd and unacceptable. The incident happen several years ago when my son has an accident and ambulance services was utilize to transport him from XXXX XXXX GA to the Hospital at XXXX GA. 
At the time the XXXX XXXX XXXX shield insurance was provide and paid off. 
Several Months later we received a letter stating that the insurance information was necessary one more time. Witch we provide one more time. 
Over a year after that second incident a law firm stated that they will send the letter requesting the paid off or will be send to collections, which they did. 
After several attempt letters, phone call and on line chatting, they agree that it was an error on their part, and promise to remove from the Credit report. 
Now after about 6 years have being pass of the incident. The same company send a bill to collections one more time and that of course is affecting my credit. 
This is totally unacceptable. I am XXXX with more than XXXX years serving my country. 
My credit is review every time I have to obtain clearance for my employment. Actions like this due to negligence from they 're part my life and my family life is affecting. 
I am requesting your assistance to resolve this matter in a positive manner, and I demand from that account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

I received a letter today from a company that I believe is a scam. I have only once ever applied for a payday loan and paid it back right away, let alone any time recently. Since I have purchased this new house in XXXX, I have received many scam attempts from mortgage insurance and the like. After doing research, the website XXXX  and associated website I found online XXXX are reported to be very new and are a potential threat. The letter came by mail to my new address which I am sure is public record because of the sale of my home. I have not called the phone number ( XXXX, which is being reported by an archived web address of also being XXXX ) associated with the website, interacted with any buttons or links on the website, and protected myself behind a firewall and VPN. They have my last four SSN on the document, and a credit score, which is much higher than my current reported score. They have given me 5 days to pay, according to the letter. They are threatening legal action, wage garnishment, and liens on my property and bank accounts. They are claiming I committed wire fraud by closing an account that I submitted a request to obtain a payday loan from. I certainly have done none of the things alleged. I hardly ever use checks and they are all accounted for. I have never used any service called CheckIntoCash, ever!
Product: Debt collection

I've been contacted by a few debt collection companies for collections I do not owe. They are all from energy companies I have no relation to. Many of these companies seem to be from XXXX, a state I do not not live in. I've never had any dealing with any of the companies the debt claims I have. 

The energy companies involved are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Most of these accounts seemed to be created in XX/XX/year> and a few in XX/XX/year>. The debt XXXX involved are XXXX XXXX, XXXX XXXX XXXX, and most recently Online Information Services. There are multiple accounts with each of these companies under many different dollar amounts. 

I'm not sure if maybe my information was leaked or they added my name to all accounts under a different address. I've told the debt companies multiple times the debt is not mine and have sent letter to them. I tried contacting the energy companies and can never get a hold of any real person on the phone except for XXXX XXXX XXXX who couldn't help me with any additional information. I've sent identity theft reports for a few of the claims. 

These account are damaging my XXXX XXXX and I'm not sure what other steps I need to take. I've sent several dispute claims to places like XXXX to inform them the debt is not mine. I'll send some of the documents I've received and the letters I've sent as well as other information related to all of this.
Product: Credit reporting or other personal consumer reports

I have been with Mr. Cooper/Nationstar since XXXX of XXXX. My monthly mortgage payments were {$2100.00}. I have been paying every month, on time with more than minimum. I pay {$2200.00} every month on the XXXX of the month. XX/XX/XXXX of XXXX my {$2200.00} payment was submitted by auto-pay. My next statement showed a mortgage increase to {$2200.00}. This was received after my XXXX autopayment. XX/XX/XXXX I submitted my payment for {$2300.00} by auto-pay. 

XXXX XXXX I received notification that I was subject to foreclosure due to missing my XXXX payment. I called Mr. Cooper and was informed that because my XX/XX/XXXX payment was not the total of {$2200.00} therefore it was not appropriated to my mortgage but just sitting there as unappropriated towards nothing. I asked her to fix it and she stated that she would. 

Yesterday, I received notification that my credit score dropped by XXXX points due to Mr. Cooper/Nationstar reporting me as 30 days late on my mortgage. I again called and was told that because the {$2200.00} was not the full amount it was not considered a mortgage payment and thus I was 30 days late. 

1. ) I was not properly notified before my XX/XX/XXXX auto-payment that my mortgage was increased or I would have adjusted my auto-payment like I did in XXXX. I received no formal notice in advance of the increase in my mortgage statement. I only found out it was increased due to looking at my XXXX statement and noticing the increase. 
2. ) If my {$2200.00} payment was insufficient why has it not been returned to me and is being held by the company as unappropriated? That payment is not good enough for my mortgage but good enough to keep my payment? And what are you using my {$2200.00} for if you are not applying it to my mortgage, escrow, or principal? 
3. ) If Mr. Cooper/XXXX refuses to reappropriate my XX/XX/XXXX payment towards my mortgage then I demand that money back plus interest. 
4. ) I demand they rescind the delinquency on my credit report as it is inaccurate and false reporting.

5. ) I have been a loyal customer. I have put my payments on autopayment through my bank to avoid missing a payment or late fees which is what any responsible individual would do. I am a XXXX XXXX with a XXXX degree and my husband is a XXXX XXXX. We are taxpaying, responsible citizens and I feel we are being punished for nothing. This is unacceptable.
Product: Credit card

Dear CFPB. Thank you so much for your help. I'd like to file a complain American Express dispute team. I've filed dispute this summer. Then shockingly merchant responded with complete forgery of consent form with my fake signature that says " I agreed to non-refund policy '' OMG. Hello? anyone can win dispute if card issuer allows merchant to submit 100 % fake document. or American Express do not know what forgery means as a crime?! I submit rebuttal follow up how it's a forged document, provided a " clear '' evidence and my real signature what it should look like from public ID... However dispute team isn't carefully patiently go through and read my submission and responded to me I'm lost over a FAKE document that I didn't even signed for. This is insane. I'm shocked to know American Express is up to support evil criminal! Where is Justice? XXXX I'm with amex 23 years. They don't even keep a record of my real signature to XXXX to match. I had much more expectation to AMEX. so what I'm going to do is to hire. a lawyer and battle at court?
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I ask XXXX, Transunion, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Reason : Account is fraudulent AccountName : XXXX XXXX  Account # XXXX Reason : Account is fraudulent Account Name : XXXX XXXX  Account # XXXX Reason : Account is fraudulent.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rectify this with Transunion and XXXX they allow companies to pull my credit without my authorization and do nothing to look into this matter, they refuse to provide any proof or contact these companies that pulled my credit, i want these inquiries removed
Product: Credit reporting or other personal consumer reports

Who do I even talk to about this? Yall marked my account as disputed, and now I cant get a car. Yall need to take that off ASAP. Why yall keep playin with peoples credit? This dont make any sense.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXXXXXX XXXX 2024XX/XX/XXXXL XXXX XX/XX/scrub> 2024 XX/XX/XXXX XX/XX/XXXX2024 2024
Product: Credit reporting

This Account have been in my credit report more than 11 years is legal to have this in my credit report for this long please remove creditor as soon as possible thank you.
Product: Checking or savings account

ON XX/XX/2022 THERE WERE XXXX UNAUTHORIZED XXXX TRANSACTIONS THAT OCURRED FOR {$300.00} AND {$500.00} ON MY WELLS FARGO ACCOUNTS. UNDER REGULATION E THE BANK HAS THE OBLIGATION TO REFUND ME THE MONEY IF THERE WAS AN " ERROR '' THAT OCURRED. THERE WAS IN FACT AN ERROR BECAUSE I DID NOT COMMIT THESE TRANSACTIONS. I AGREED WITH THE BANK TO CLOSE MY ACCOUNTS AND OBTAIN NEW ACCOUNT NUMBERS. THEY NEVER REFUNDED ME MY XXXX DOLLARS AND TOLD ME IT WASNT A SCAM AND IM THE ONE WHO DID THE TRANSACTIONS. THESE WERE IN FACT A SCAM AND MY INFO WAS COMPROMISED. I REPORTED THE INCIDENT ASAP TO WELLS FARGO BUT THEY LOOKED THE OTHER WAY AND NEVER REFUNDED ME THE MONEY. I AM WRITING TO YOU FOR A SOLUTION BECAUSE I WANT MY MONEY BACK.IT IS NOT FAIR THAT A BANK IN WHICH YOU PUT TRUST INTO TO KEEP YOUR MONEY DOES NOT WANT TO GIVE IT BACK WHEN IN FACT IT WAS STOLEN BY A CRIMINAL. I ATTACHED THE DENIAL LETTER FROM THEM IN WHICH I DONT AGREE ON
Product: Credit card or prepaid card

Self lender is closing my account after taking my money. I proved I was me after making two payments on the account they closed the account and kept my money saying it was suspicious activity wont give my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX Date Updated : XX/XX/2019
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 {$2000.00}, {$0.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you the Transunion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX for {$410.00}, XXXX  XXXX opened on XX/XX/XXXX, XXXX  opened on XX/XX/XXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX for {$760.00}, XXXX opened on XX/XX/XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX for {$290.00}, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX. Auto loan account opened at XXXX on XX/XX/XXXX another auto loan XXXX on XX/XX/XXXX. Another loan opened at XXXX XXXX on XXXXThese accounts have resulted in several hard inquires and fraudulent collections appear on my consumer report. Hard inquires 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 XXXXXX/XX/XXXX. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us B ankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.
Product: Credit reporting or other personal consumer reports

I have filed so many disputes through the phone and through the electronically about my address changed changes that that those are not my addresses the phone numbers are not my phone numbers I have one address and that's the only one I have just going through this drives me crazy they don't give you a chance and they come back verified now they haven't even sent me anything about it I hope I'm doing this right
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of unauthorized accounts that have been reported on my credit file following a recent data breach. These accounts were not authorized by me, and in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal. 
Unauthorized Accounts 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
Product: Money transfer, virtual currency, or money service

Coin base refuses to change my email address that I no longer have access to, I can not access my Funds For withdrawal or transfer
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$650.00} XXXX OF XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$43000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX
Product: Credit card

Appealing Citibank 's Decision I am writing to appeal Citibank 's decision to deny my dispute against XXXXXXXX XXXX XXXX ( " XXXX '' ) regarding a misleading listing for an apartment in XXXX. Here are the key points : - I booked an apartment in good faith after the host assured me it was reasonably quiet, but failed to disclose the adjacent unit was under construction. 

- The construction noise was excessive due to thin walls, forcing me to leave the apartment XXXX hours daily to work remotely. 

- I tried a different unit in the same building but the construction noise was absollutely overbearing on a daily basis including weekends and nights. 

- Had the host been honest, I would have selected a different place to stay. The host 's omission was intentional to induce me to book the property- XXXX 's " Host Friendly '' refund policies make it nearly impossible to get a refund from the merchant. 

- After the host made it clear that he would not provide a refund, I vacated the property and took a hotel for the rest of my stay. I provided details to Citibank. 

- I provided Citibank with specific evidence ( text exhibiits of my conversations with the host ) proving the host misled me, but they closed the dispute in XXXX 's favor. 

- Citibank claimed they had no further information from XXXX to justify their decision and could not compel the merchant to provide more details. 

I am appealing this decision because the evidence clearly shows the merchant misrepresented the property 's condition, violating XXXX 's own policies. Citibank should have used their leverage as a major credit card issuer to compel XXXX to provide a full refund in this case of egregious misrepresentation. 

I request Citibank re-open this dispute in the amount provide the full refund, and take appropriate action against XXXX to prevent similar incidents in the future. Please let me know if you need any additional information from me to support this appeal. I look forward to your reconsideration. 

Sincerely, XXXX XXXX Transaction Details Transaction Date : XX/XX/2024 Dispute Date : XX/XX/2024 Transaction Amount : {$1600.00} Dispute Amount : {$920.00} Merchant/Description : XXXX XXXX XXXX XXXX Citibank Dispute ID : XXXX
Product: Debt collection

Consumer Portfolio Services is reporting to my XXXX and XXXX credit reports a debt that i was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX M XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Person called me from Universal Recovery XXXX on behalf of XXXX. The bill was {$92.00}. They want me to pay $ XXXXwhich I know I have to pay. I wrote a check and it bounced. When the guy called, he said his name is XXXX he was very rude and abusive verbally. I tried to explain what happened but he was loud and told me that " I should n't have wrote a check anyway and this is what I get '' I told him to never call me again. I called a couple of weeks later to try to pay the bill and a lady answered the phone. I told her what happened during the last call, she said " he should have spoken to me that way. She said that she was going to report me to the credit bureau tonight! Of course I got upset too but I was n't at work. The name of this business is Universal Recovery. I fully intended to pay this bill, as a matter of fact I called to pay it but this is the second time that I have not been able to because of the aggressive behavior on both their part. This company should not represent anyone. They did send me three letters but I was trying to explain that my son was XXXX and noting else was on my mind at the time. I pay my bills and still fully intend to pay this one but I need advise on another way to pay XXXX because I ca n't talk to these people again.