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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

My name is XXXX XXXX XXXX and On XX/XX/XXXX i tired to use my bank card and it was declined i called my bank and they told me Midland credit management inc but a freeze on my account and i needed to contact them after i called them they say that i owe them money because they brought a loan that i owed and they served me to come to court back in XX/XX/XXXX but i was never served! I told them i was never served and i believe they served my son instead of me because we have the same name his name is XXXX XXXX also and i needed my bank account to be unlocked but they wont do it! I never got to explain my side in court because i never knew i had a court date
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX  2016 which is NOT accurate never had an account with this company and why this collection account states  I was 30/60/90 days  late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.
Product: Money transfer, virtual currency, or money service

I sent {$100.00} via Paypal to my friend 's dog rescue on XX/XX/2020. She never received it and it wasn't pulled from my bank account yet, so on XX/XX/XXXX I sent another {$100.00} thinking the first transaction didn't go through, but I used her personal email instead of the XXXX XXXX XXXX email. The second transaction was deducted from my bank account immediately, and my friend received the money. The next day, the first {$100.00} was deducted from my bank account and my friend never received the money. I have been following up with Paypal and they keep telling me the transaction was completed, but have not offered any proof. In the meantime I sent them copies of my friends transactions showing that she only received the second payment of {$100.00}. I have been trying to resolve for over a week now and Paypal keeps telling me the transaction was completed when it clearly was not because my friend never got her money. How can I get this resolved so she either gets the second payment of {$100.00} or I get my money back?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : XXXX. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor to whom this debt is allegedly owed. 

XXXX. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. This request is specifically for the validation of the amount of the alleged debt as outlined under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Enclosed are copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question. 
Any previous correspondence regarding this matter. 
Please initiate an investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Details of the Account in Question : Creditor Account # Account Type Balance Date Opened Status Last Reported XXXX  XXXX Collection {$530.00} XX/XX/XXXX Collection/Chargeoff XX/XX/XXXX Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - No. of Months ( terms ) : - High Credit : {$530.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX ( XXXX and Equifax ), XX/XX/XXXX ( XXXX )
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 confidentially under 15 USC 1681. 



Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Debt collection

I was contacted by this law firm- Linebarger , Zgoggan Blair & Sampson claiming to collect a debt on behalf of XXXX prepaid program, but the issues with the letter they sent me were that : it had the wrong parent company name ( they used XXXX instead of XXXX ), they used the wrong website ( XXXX, instead of XXXX ) they used an account number that was n't mine, and my account setup with XXXX mandates that they automatically reload my account from my credit card, so having an outstanding balance is not possible. My opinion is that this law firm - Linebarger, Zgoggan Blair & Sampson is practicing some sort of fraud to collect money from toll customers.
Product: Mortgage

XXXX XXXX sold my mortgage payments to Seterus or XXXX and they are trying to foreclose my home saying iam two or three payments behind when iam not.Everytime I talk to them add a month and saying I owe {$2500.00} for two payments and my house payment is $ XXXX.Two payments is about $ XXXX.I believe they 're trying to rip me off.I know they 're trying to get more monies off me andy family.
Product: Money transfer, virtual currency, or money service

I am writing to discuss my concerns regarding XXXX company of accounts being scammed and closed
Product: Money transfer, virtual currency, or money service

Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information with XXXX, XXXX and Transunion over the past few months. I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor
Product: Mortgage

I was emailed an approval from DEO ON XX/XX/XXXX. I was approved for {$4800.00} in past due payments for my mortgage company Shellpoint. I was told that on XX/XX/XXXX the payment was mailed. It has been 5 months and the payment hasnt posted. I emailed Shellpoint and called them on XX/XX/XXXX advising that the payment never posted. I called HAF AND EMAILed to file a complaint on XX/XX/XXXX to file a missing payment complaint. I still havent received a resolve from Shellpoint, Homeowners assistance fund, DEO, or Horne. No one has been able to locate where or what happened toissing past due payment.
Product: Credit card

My account statement for a Chase Credit Card was due on XXXX XXXX in the amount of {$1700.00}. I processed the payment in full on XXXX XXXX XXXX day prior to the due date in the amount of {$1700.00}. The back of the statement states and I quote " If you pay your account in FULL each billing period by the due date and time due, NO INTEREST is charged on new purchases month to month ''. I call this evening and question why when I paid my account balance in full per my last statement was I charged {$25.00} interest. I was told that is the interest due from the XXXX of the month until such time I paid my balance on the XXXX. That is contradictory to the information listed on the back of their statement. He then proceeds to tell me that if I pay the new balance in full with the interest charge by the due date I will not be charged any further interest. That is exactly what I did last month but yet am charged interest. I am forwarding this information to legal counsel as well as it appears there is " double dipping '' occurring and they feel the consumer wo n't questions this. If a statement balance is paid in full by the due date it is paid in full. At this rate you would never pay the card off as they would continue to generate interest monthly unless you overpaid.
Product: Credit card or prepaid card

On X/XX/17 I attempted to log on to my credit card account as usual ( to track purchases ) but was denied access unless I provided my annual income. I am a 20 year user of this card with no missed payments and a lot of credit I have never used. I saw no reason for their needing information regarding my annual income except to target me for credit increase offers or other offers. I explained I did not currently want either. If I were to initiate a request for a higher credit cap, I would certainly understand their needing my current income ; otherwise, especially given my record with their company, no. I will be closing this card and leaving Capital One. Extremely disappointed in this approach to a longstanding customer.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
XXXX Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my investigation on XX/XX/2021 - I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed dated 02/2021 and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Checking or savings account

Ive been having my car payment taken out for the past 3 months for {$570.00} but the car company is not receiving my funds. When I asked the bank about it they said it was not their problem. 
I just want my money back nearing XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit card or prepaid card

Once upon a time, in the year 2021, XXXX and XXXX discovered that a sneaky account had been opened in my name. It turns out, my partner at the time, took advantage of my vulnerable state. I was XXXX, sick, and enduring XXXX. Not only did they open a credit card in my name, but they also put utilities in my name without my knowledge. It was a nightmare. 

But, thankfully, I managed to escape that toxic relationship and start rebuilding my life. As I looked at my credit report, I noticed a recurring problem - missed payments from that fraudulent account. It was frustrating because I had been a stay-at-home mother for years, always responsible with my finances. 

Now, I have big dreams for the future. I want to provide a stable home and a bright future for my XXXX daughters. But to do that, I need to address this credit issue. I want to buy a home and have reliable transportation. Before that partner came into my life, my credit was impeccable. 

So, I'm determined to take action. I'm ready to rebuild my credit and create a better life for myself and my daughters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX XXXX ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their 30-day validation window. I would like the credit Bureau to open an investigation. That affirms I did not receive a proper debt validation that proves XXXX are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like the credit Bureau to take the collection off my credit report. As is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Product: Vehicle loan or lease

I purchased new XXXX XXXX XXXX  back in XXXX XXXX XXXX  from Westlake Financial. Due to my divorce I lost my home and my credit went downhill. I had no choice but to purchase this car. I believe the interest rate is at 26 %, I recently looked up how many payments I've made since I've purchased the car. I have made over {$17000.00} in payments since XXXX of XXXX. My balance is still at {$16000.00}. How could this be? I need help. I am on XXXX and I can not afford to keep making these payments. I feel I've been taken advantage of. I have made my payments on time except for when my payment date was changed at my request and the payments apparently were 30 days late. I also had to defer a few payments. But as the creditor can see I have been extremely consistent in making monthly payments of {$450.00} a month. Now being XXXX XXXX XXXX and on XXXX. I need all the help I can get. I have contacted Westlake Financial and they said they don't refinance. I went to XXXX XXXX XXXX where I originally purchased it to maybe trade it in but they would not do this. Please help. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX 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. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptlyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a CD account, but, didn't ask for the {$12000.00} amount which was then voided and replaced with a {$2500.00} contract. This happened on XX/XX/XXXX. I was told that the funds would be back into my checking account on XX/XX/XXXX or XX/XX/XXXX. I went there XX/XX/XXXX and was told that a email was received about the money being replaced, but, that was all that was said. I scheduled another appointment for XX/XX/XXXX to ask them about those funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 i bought XXXX worth of bitcoin in my XXXX  and it will not let me access it at all without an i d scan, but the i d scanner will not work ( i read reviews after this, it is happening to many people ) i complained to support but they will not respond. Not only that, they have blocked me from contacting support at all.
Product: Debt collection

This account is coming from XXXX and it is showing up more then once on my credit report I havent ever had XXXX.