23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

In XXXX XXXX, Chime closed my checking account and did not send my fund to me. I tried to call them and email them multiple times, no one can solve this issue. Until now, XX/XX/XXXX, I did not receive my fund. I have more than {$2000.00} in that closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : Balance Paid to XXXX prior to putting this in my credit report Dispute : This was paid there is no balance XXXX. 
Request : Remove from my credit report.Complaint Against : XXXX XXXX XXXX Creditor : XXXX  Insurance {$330.00} PAID there is no balance.Good afternoon please investigate this issue XXXX XXXX company has deposited false information in my credit report. I am aware that this is a fraudulent company and they have stolen people information claiming they are the creditors. I have already paid the balance that I had with XXXX. I have never had an account with XXXX XXXX. Please remove this entity. The balance I had was only {$330.00} in which I have since paid please check with XXXX XXXX  this is paid. {$430.00} listed in credit report this is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an updated copy of my Experian Credit File. Several accounts that I disputed where deleted from my Experian Credit File. There are still some accounts that remain that are not my accounts. Each time that I contact Experian to investigate the remaining accounts that send my letters stating that they can not accommodate my request. I need these accounts removed. If Experian ins going to continue to deny me a new investigation how am I ever to fix my credit report? I do not feel that Experian has the right to deny me an investigation when the information is truly not mines or inaccurate or fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

2 MEDICAL COLLECTIONS FROM COMMONWEALTH FINANCIAL SERVICES - WHO IS THIS COMPANY AND WHY ARE THEY ON MY CREDIT REPORT??? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my auto loan was paid off in full. XXXX XXXX XXXX account number XXXX Auto Loan. Transunion is reporting incorrect information. My credit score was affected by this.
Product: Debt collection

I was an authorized user on my fianc 's credit card for almost a year but I decided to have him call this credit card company to remove me from the account. When I was initially authorized and received my card in the mail, I was not able to activate the card. No reason was given from 1st day it was opened and remained that way after several failed attempts of trying to activate card. A month and a half later, XXXX XXXX XXXX called me about collecting debts from 2013. I asked them if that had anything to do with the Capital One Card I was an authorized user on and they said he. I called Capital One again in XXXX but the made Cardholder speak on my behalf. He explained what happened, they said there was nothing they could do and removed me from his account and updated my credit report as of closed the account with his balance. I have received calls from this XXXX number who asks for my fianc after stating she's on a recorded line. I asked where she was calling from so he could call back after his shower. The call happened tonight at XXXX. They would call his phone 1-5 day and respond in one of two ways- " We are calling because your payment is past due and if you need us to help you with payments, stay on the line ( on hold for 20 seconds or so and they end call. Capital one is harassing me and I never even had the opportunity to use the card! So why are they doing this after ive asked them to stop multiple times. This is 3rd call this week but this specific call was the time we spend unwinding after dinner. I would like to pursue the next step after this has been documented and is found to be in violation of my rights. Thank you!
Product: Credit card or prepaid card

I keep getting bombarded with numerous emails messages in my inbox from the message center and now two pieces of mail I missed XXXX payment and have retained a lawyer attorney XXXX XXXX out of XXXX XXXX  that will be filing my bankruptcy. Therefore I suggest going forward you deal with him as hes been retained and said you can write or call him going forward Thanks Cease all communication with me now Call the attorney at XXXX.
Product: Debt collection

Dispute Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : AmSher Collection Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Email : XXXX Subject : Demand for Immediate Removal of Inaccurate Credit Reporting Dear AmSher Collection Services, I am writing to formally dispute the collection account reported by your agency on my credit report, dated XX/XX/XXXX. This account is inaccurate, unverified, and constitutes a violation of my rights under federal law. 
Violations Noted : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Page XXXX Dispute Letter to AmSher Collection Services - 15 U.S. Code 1692e - Prohibits false or misleading representations. 
- 15 U.S. Code 1692g - Requires debt validation upon request. 
XXXX. Fair Credit Reporting Act ( FCRA ) : - 15 U.S. Code 1681s-2 - Obligates furnishers to report accurate information and correct inaccuracies. 
Despite my requests, you have failed to provide adequate validation of this debt, including a signed contract or proof of the original creditor. Reporting such unverifiable information is a direct violation of the statutes mentioned above. 
Legal Precedent : In FTC XXXX XXXX XXXX XXXX ( XXXX ), the court held that collection agencies must possess and provide adequate documentation to validate debts. Failure to do so constitutes a violation of the FDCPA. 
Demand : I hereby demand the immediate removal of this account from all credit reporting agencies. Failure to comply within XXXX calendar days will result in : - Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney General 's Office. 
- Initiating legal action in federal court seeking : - {$1000.00} per violation under the FDCPA. 
Page XXXX Dispute Letter to AmSher Collection Services - {$1000.00} per violation under the FCRA. 
- Compensatory and punitive damages for emotional distress and reputational harm. 
Please consider this your final notice. No further communication is necessary unless it is to confirm the complete removal of the disputed account. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My demand for you to help me give all the info as to who you talked to just like the addresses and names of the person or persons approached has sadly not been satisfied. So now I am deliberating court action and also have established the operation of calling legal " aid ''. I'm inquiring for one last moment in which you still take me using the data that was previously asked and furthermore make sure deliver me with a duplicate of the contract agreed upon or voice dialogue where I documented charging me within this account. Otherwise, it's best to pull this out of my credit report in accordance with the Fair Credit Reporting Act and the Fair Credit Billing Act. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate information. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX {$0.00} XXXX XXXX-Balance {$0.00} XXXX XXXXXXXX {$78.00} XXXX {$3500.00} XXXX {$3300.00} XXXX {$3100.00} XXXX {$3100.00} XXXX {$2200.00} XXXX {$3900.00} XXXX {$3100.00} XXXX {$6300.00} XXXX {$650.00} XXXX {$0.00} XXXX {$0.00}
Product: Mortgage

I am aXX/XX/XXXX XXXX veteran and I was attempting to purchase a home that was new construction. The home was XXXX and I was already pre aprroved through XXXX XXXX  for up to XXXX but the builder and they realtor was requiring me to have his bank look over my application to see if they would be able to approve my loan. They were forcing me to have their lender look over my credit to see if they would approve my loan. They were also giving an incentive of 2 % on closing costs if I used their lender but refused to offer it to me because I refused to utilize thier lender. I had already chosen XXXX XXXX  to do my mortgage. I had no affiliation with XXXX XXXX  so I refused to let them go over my credit. they refused to sell me the house if I didn't let their lender which was XXXX XXXX  look over my credit. I refused to let XXXX review my credit so they refused my offer for the house. I subsequently bought a XXXX house 2 weeks later with no problem. I feel like they discriminated against me due to the fact that my Mortgage Company and my Realtor are both XXXXXX/XX/XXXX owed and because I am also XXXX XXXX. I'm filing this claim because I know tht they have done this to other XXXX veterans
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

paypal account number XXXX amount {$1000.00} i don't know this person or have a pay pal haven't for a long time because of the fraud being done to me when my identity was stolen and the same thing happened with XXXX XXXX i dont have this money so i don't understand why this is happening again got a letter in the mail about this and i want to dispute it thank you for your time
Product: Prepaid card

XXXX was loaded into my netspend Card to purchase a airline ticket the transaction was cancelled by the agent the netspend company is withholding my. Money for almost a week and a half asking for all these documents which is impossible to get I set them evidence of the transaction and they still refused
Product: Credit card

I had an account with Discover for nearly 10 years. I recently acquired high balances on all of my revolving credit as I prepared to sell a real estate property. I sold the property and proceeded to pay off ALL my revolving debt, including the balance on my Discover card. within a matter of days, Discover informed me that they cut my credit available from {$7200.00} to {$900.00} because of data they had from XXXX. They did not even allow at least 30 days to pass to truly verify my current credit worthiness. In fact, I no longer had any credit card debt and was more worthy at this point for credit than I was before. When I called to complain and explain that their decision was based on outdated information, they said I had no other choice than to wait 90 days and request a credit increase. I explained that the decrease should n't have happened in the first place because they were using outdated and inaccurate information to base their decision. It seems as though once they were no longer going to collect interest payments from me, the did n't want my business. Odd timing and poor decision based on inaccurate data. I finally just closed my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not responded to none of my disputes. I wrote to them requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was delivered. I asked for a investigation to remove accounts that are Inaccurate. This is affecting me from purchasing a home and is upsetting. I have not received a reply from you or any acknowledgment that an investigation has begun. I am requesting for you to delete these accounts immediately from my credit file. I sent my dispute letter on XX/XX/XXXX and a follow up letter on XX/XX/XXXX so this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, we are now on day 45 people! Again, please DELETE these inaccurate items from my credit file, permanently.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS # : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. My friend is doing a refinance for me. When he pulled credit it triggered my servicer NewRez to have their call center try and solicit me. They without my permission locked up my FHA case number and refuse to release it to my lender. I have sent a letter stating I wanted it released as well as emails. XXXX XXXX at NewRez is the loan officer that pulled the case number. Others that were notified at NewRez were  XXXX and XXXX who stated, " Please see request for this FHA Case number transferred to another lender. This is a Call Center loan in Clear to Close status, loan # XXXX XXXX. '' This statement is false. I never applied, signed any disclosures or had an appraisal inspection so how can I be " clear to close ''? They are also stating that I have to have my loan that I never started cancelled in their system before they will release the case number. The delay NewRez is causing me can translate into rate lock extension fees or worst.
Product: Credit card or prepaid card

KeyBank sent me credit card convenience checks ( 0 % until XXXX 2019 ) with a slip attached to the checks stating Fee : None. The accompanying letter mentioned : " with a 0 % fee for transferred balances, you can use your checks to : ... travel and entertain ... write yourself a check .... '' And : " ... for a limited time only, you 'll enjoy our 0 % fee for transferred balances using these checks! '' There is no mention anywhere of a fee for using the checks to deposit cash into a checking account. On the reverse of the letter it states : " Is this ... subject to the terms and conditions of my cardmember agreement? A : Yes, except as otherwise described in this offer. 

The offer is clearly intended to mislead and make customers believe there is no fee for using the checks in any way. To be sure, I called KeyBank and was put on hold twice, and then told that the " no fee '' provision was only for transferred balances. I did not use the checks, have no damages, but am notifying the CFPB of this misleading offer. Let me know if you want me to scan documents to you. 

Also, please note that a XXXX search for Consumer Financial Protection Bureau resulted in a list, at the top of which are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i submitted a letter to the credit bureau disputing all inaccuracies on my credit that i have listed below. The credit bureau completed their investigation verifying the accounts as accurate. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of the information.

They stated my accounts were verified but how is that possible if they didn't not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % Accurate and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have the credit report showing the inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, we formally informed XXXX XXXX Resorts of our intent to release from timeshare agreement on the grounds of fraud, misinterpretation and financial hardship. 
The company continue to charge us annual fees during the process and had ruined our credit report.