23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid off an account with Upstart back on XX/XX/year>, via XXXX XXXX. I've asked Upstart repeatedly to remove this account from my account since mid-XXXX. They give me the same generic email that XXXX XXXX owns the account now, but it still shows on the Upstart website as only 7 % paid. I sent Upstart an email from XXXX  twice stating the account was paid in full, but I continue to get the same generic email that XXXX  owns the account, so no one is paying attention to my message. 

My ask is very simple, that Upstart should remove the account from their website as the information is incorrect, it's paid off, and no supposedly does not belong to Upstart anymore, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently the victim of Identity theft. I requested the at the various Credit Reporting Agencies and furnishes validate accounts that were unknown to me. 

Equifax without my authorization took it upon themselves to place a personal fraud statement on my report, and then Equifax sent a notification to both XXXX  and XXXX XXXX also without my knowledge and authorization. ( while at the same time not removing the un-validated identity theft accounts from my equifax report. 

XXXX in response to this request by equifax placed the following statement on my XXXX  report. 

Personal Statement ( s ) 06 & XX/XX/XXXX 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I did not make this statement and do not appreciate XXXX  placing it on my report and exposing my phone number.
Product: Debt collection

I was contacted by a debt collector without confirmation of my identity started to talk about my debt without even verifying Im the right person. Got transferred to a rude lady who said I would be sued and she will see me in court. Also stating Im mad that I dont how to be responsible and pay my bills being absolutely rude before I can ask for a manager she hung up. I called back asking why she hung up and she said dude we already gon na send to the courts so we will just see you in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX   XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX   XXXX XXXX
Product: Checking or savings account

My employer XXXX XXXX XXXX XXXX executed an unauthorized debt from my bank account at USAA FSB. The bank allowed the unauthorized debt to be executed even though there were insufficient funds in the account and transferred funds from a secondary account to fund the transaction. The bank 's overdraft policy is problematic in that it transferred money to satisfy the ACH Debit but it doesn't transfer funds to cover day to day debit card charges.
Product: Debt collection

I received a phone call at work that followed with an email, stating that, " I was to pay {$500.00} for what they called a protection from litigation payment by absolutely no later than today at XXXX ''. Today was the first and only contact made by this collection agency requesting payment from a lawyer I used over a year ago. I paid the lawyer a retainer but never approved him for work beyond that amount and he is asking I pay him another {$1000.00}.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally dispute a bankruptcy entry listed on my credit report. The bankruptcy, referenced as # XXXX, is a XXXX XXXX Bankruptcy filed on XX/XX/year>, and discharged on XX/XX/year>. Its continued presence on my credit report violates the Fair Credit Reporting Act ( FCRA ). 

Details of the Bankruptcy : Type : XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> Asset Amount : {$0.00} Liability : {$0.00} Exempt Amount : {$0.00} Court : U.S. Bankruptcy Court Violations of the Fair Credit Reporting Act ( FCRA ) : Limit on Reporting Period : The FCRA stipulates that a XXXX  XXXX bankruptcy can be reported on a credit report for a maximum of 10 years from the filing date. However, due to its discharge date, it should not be impacting my current financial opportunities as it represents outdated and inaccurate information. 

Accuracy and Fairness : The continued listing of this outdated bankruptcy is inaccurate and unfair, adversely affecting my credit standing, which is against the FCRA 's requirement for accurate information. 

Obligation to Correct Errors : I have previously disputed this bankruptcy with the credit reporting agencies. Under the FCRA, they are required to investigate and correct any inaccuracies within 30 days, yet the bankruptcy remains on my report, indicating non-compliance. 

Consumer Notification : Upon resolving a dispute, credit reporting agencies must inform the consumer of any changes made to their report. I have not received any notification regarding this matter, which further contravenes the FCRA. 

I request the immediate removal of this incorrect bankruptcy entry from my credit report, as it is unjustly impacting my credit score and financial opportunities. 

Please confirm receipt of this letter and provide information on the actions taken to resolve this issue promptly. 

Thank you for your attention to this matter. 

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

My Wester Union XXXX XXXX was hacked. On XX/XX/2023, I received multiple emails regarding payment transfers from Western Union totaling to {$1400.00}. Right away, I called Wester Union and reported it but while i'm on the call, the transfers were still happening. And then it stopped when my bank ran out of money. The claim was filed then they told me to call XXXX XXXX XXXX My Bank ) to dispute it there as well. I did it and they said they will dispute it. And then recently I just received a letter dated XX/XX/2023 saying that they are closing the case and they said they lost it and they will not return my money. I've been calling them both ( Western Union and XXXX XXXX ) but they keep on telling me they can't do anything. I'm losing hope now. Its big money and it affects me and my family a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently Viewed My Equifax Credit Report and Noticed EQUIFAX has An INQUIRY.. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX I DID NOT GAVE OR AUTHORIZED EQUIFAX PERMISSION TO FURNISHED AN INQUIRY ON MY REPORT. NOR DID I SIGN AN AGREEMENT OR CONTRACT WITH EQUIFAX ... .SO I NEED THAT iNQUIRY TO BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I transferred money to these two emails ( listed below ), who were hiding behind a fake XXXX  account. My friend and I were interested in buying an RV pass for a music festival, and she told us she'd sell hers. After transferring the money on Paypal, she blocked us and never sent us the tickets. I went on the festival 's event on XXXX  and found out that more people were scammed by this person.

These are emails they used to transfer the money : XXXX   XXXX Both emails have accounts on Paypal. I'm hoping there is something that could be done about it ( ideally I'd want my money back ). I have screenshots showing the girl selling us " her RV pass '' and also a screenshot from the moment she blocked us.

I'm also attaching the link to the event on XXXX  ( in this post, there are more people showing screenshots of the same person trying to scam them -and more people posted on the event 's wall telling the same ) : XXXX XXXX XXXX
Product: Checking or savings account

I filed dispute on my checking because I have XXXX and been in and out the hospital some unauthorized transactions went on in my checking account me thinking I can trust my Financial institution I let them know what was happening in XXXX XXXX I tried to withdraw funds from my SAVINGS account nothing to do with my checking account I found the put a hold on both accounts for credits only they said they are closing my account and it will take 3 months to do so and that they have a right to hold my XXXX checks now I have read the depository agreement even had a paralegal and serval others read this and nothing states that they can hold anyone money for that long it states XXXX business days there is nothing pending on my saving there is NO FRAUD NOTHING WRONG AT ALL I can not pay any of my bills get food or medicine because they are holding my funds
Product: Debt collection

I received a Collection Letter Dated XX/XX/2022 from XXXX XXXX XXXX. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with Jefferson Capital Systems LLC. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by Jefferson Capitol about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from XXXX about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} LateClose XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

The bank closed my account unexpectedly my payroll check was deposited into that account it 's been over a month and I have not received it
Product: Money transfer, virtual currency, or money service

Ive had the account since XXXX it was restricted because they decided they no longer could service the state I lived in. I finally got my account unrestricted the beginning of XXXX. Since then they have blocked me from transferring my funds, they have blocked me from using my XXXXl XXXX, they have transferred funds from my XXXX without my authorization, they have blocked me from trying to attach my bank account so that I could close my account with them, they have restricted my account numerous times when I have tried to move funds out of my account. Every time they restrict my account, I ask for reasons for it, they wont give me any. They refused to transfer me to anyone that can help. They tell me that there is no way that I can get in touch with anyone other than their customer care, which has no authority to do anything regarding the account itself. They say Ill be contacted by a department. The only contact that I received from an escalation department was to ask me if the problem had been resolved, And that it had been more than XXXX hours since I submitted my request and there was no reply from me. There was no place to reply to. I asked for an email address for their escalation department and was told that there was no way for me to get in touch with them. They also told me that they had no way to send me the email address because it was on a macro which they didnt have access to. They explained to me that theres no one that can call me from their company and that everything has to be done through an email to a department that they have no access to. I asked if I could transfer funds from their company to XXXX of my bank accounts in the states or XXXX and was told that I could not because my account was restricted. But would not give me any reason why my account is restricted. I asked for an email to be sent to me with a link to their departments. They refused, they did send me an email with a link to the complaints Upon clicking went to a blank page saying there is a problem processing your form. I just want my money out of this company and they are not allowing me to do so. I have been a client of theirs for XXXX  years and Ive only started to try to utilize my account in the last XXXX months. I have spent over XXXX hours on phone calls trying to get these problems solved with absolutely no chance of resolution.
Product: Credit reporting or other personal consumer reports

America express or amended card has been denying us our securities and doing the remittance coupon processes or Negotial instrument using us funds all of these are 1 in the same and all I wanted was to pay on the account we keep getting denied which all debt are prepaid we have unlimited credit and all sum of money should be returned back to the creditor which we are 15 usc 1615 12 usc 1431 and XXXX
Product: Debt collection

Transunion is illegally reporting information on my credit report. XXXX notified the credit bureaus on XX/XX/24 of this alleged debt and neither XXXX or Transunion notified me within XXXX business days of this debt. I get alerts today that Transunion lowered my XXXX XXXX XXXX points and I am closing on a home next week and need this off of my credit report ASAP! XXXX has not notified me of this debt via mail nor did Transunion. This is a reinsertion which is illegal. 

This is NOT my debt! I am not liable for this debt! This is an illegal collection. XXXX has no license to collect debt in my state of residence. Also, This was being reported XX/XX/24 as a " reinsertion ''. I do not have a contract, purchase agreement or account with XXXX and I want them to remove this off of my credit report ASAP!!! My score has went down XXXX points because of this illegal debt. None of the credit bureaus or XXXX provided me a letter of this information within 5 business days under 12 CFR 1006.349 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 15 U.S. Code 1681 ( c ) ( 2 ), 15 U.S. Code 1681 ( B ), 15 U.S. Code 1681 ( C ) ( 2 ), and 15 U.S. Code 1681 ( s ) ( 2 ).

I have not supplied proof under Stoppel by silence Engelhardt v. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore such debt, in fact exists.
Product: Mortgage

Request I am writing to request that the late payments reported by Dovenmuehle be removed from my credit report and to highlight Dovenmuehles poor processes and behavior that ( 1 ) led to the missed payment report and ( 2 ) prevented me from resolving the issue with Dovenmuehle itself.

Summary Dovenmuehle failed to properly notify me that they cancelled my online recurring payments. Instead, I was notified of a payment issue for the first time on XX/XX/18 by XXXX XXXX because Dovenmuehle reported my account as delinquent to the credit bureaus.

Dovenmuehle claims they mailed me a letter stating my accounts were delinquent. I did not receive that letter. Dovenmuehle did not notify me that they ceased recurring payments by phone or email.

I immediately called Dovenmuehle to resolve the payment and credit report issue. I was repeatedly harassed, intimidated, and threatened by Dovenmuehle agents as I tried to do so.

Attempts to Resolve Issues with Dovenmuehle Attempt 1 : Phone Call with Collections Agent, XXXX, Saturday, XX/XX/18, XXXXXXXX XXXX   CST, 10 minutes. 

During this conversation I was told that I couldnt resolve the missed payment and credit report issue together until Monday. I stated that I would wait until Monday to resolve both issues together. The agent then stated that if I didnt make the payment with him immediately he would report that I made no promise to make the payment in the future. 

I believed he was trying to scare me by threatening me with legal action/foreclosure if I did not pay immediately. I subsequently asked him if our conversation was recorded so that I would have proof that I did not say that. After this question the agent stated that he was changing his report. 

Attempt 2 : Phone Call with Customer Service Supervisor, XXXX, Monday, XX/XX/18, XXXXXXXX XXXX  CST, 25 minutes. 

I was told that Dovenmuehle would not resolve my credit report issue unless I mailed them a letter. The representative stated the issue could not be addressed by phone, by email, through the website, or any transparent processes.

Dovenmuehle could give me no guidance on what the letter needed to prove, what the timeline was, who would oversee it, or any information that made me believe the letter would be considered. Instead, their lack of transparency led me to believe this was an attempt to ignore my concerns. 

Attempt 3 : Phone Call with Customer Service Supervisor, XXXX, Tuesday, XX/XX/18, XXXX XXXX CST, 21 minutes. 

I explained during this conversation that if the company would not make me a promise to address this situation with the credit bureaus that I would dispute the claim with all credit bureaus and file complaints to the XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX. The supervisor subsequently told me that my complaint would be forwarded to a senior manager and that I would get a response to the credit bureau situation within 48 hours. No one followed up.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Type : Line of Credit Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$8500.00} Highest Balance : {$5500.00} Late Payment Date : 1 XXXX XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX 5 ) XX/XX/XXXX 6 ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received a bill in the mail around XXXX stating I owed a bill of XXXX dollars for a hospital visit. I reviewed the information and realized that this was for a visit that I never had. I have never been to XXXX Georgia but they are claiming that I received services from them as of XX/XX/2020. My issue is that I again have never been to XXXX GA. Now they have placed this on my credit which is becoming a hassle to have removed. In addition to this, me and my insurance provider reached out to the company seeking resolution but they gave us the run around. I requested verification by way of identification they used to process this and they stated I was unconscious. It has been a nightmare and still I am being affected by this foolishness.