23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since, I believe, XXXX 2015, XXXX XXXX has been reporting a collection account on behalf of XXXX for {$1000.00}. When I switched carriers I was careful to make sure no balance was due. I never received a bill from XXXX, nor any collection notices from XXXX XXXX prior to seeing it on my credit reports, I am unaware of what this debt is for. I have attempted to dispute the collection as inaccurate through both the various bureaus AND E.R.C. directly. Each time they have verified the account as accurate. As of yet, I have not received any documents to validate or explain the debt, despite asking for them repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with my credit report with transunion. Transunion report about someone else account on my credit. The name and date of birthday of that girl similar to me and she is getting services from XXXX but did not make a payment of {$220.00} which is due on XXXX XXXX. Because we both have same names and date of birth, so transunion put this due bill on my credit and going to decrease my credit score. It happened with me second time, earlier they put credit with same name who was customer of bell. Even in my whole life i am not customer of XXXX and XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. 
I will really appreciate that if you can help me. 
Thank you Have a good day.
Product: Checking or savings account

On XX/XX/XXXX I realized that {$8500.00} had been withdrawn electronically from my Bank of America business account on XXXX XXXX I immediately called and filed a complaint with them and my case number is # XXXX. I was initially informed that it would take 15 days for an infestation and a refund on the money. Upon my follow up call on the XX/XX/XXXX it was told to close out the existing account and open a new account. I was given the earliest appointment available today the XXXX and now I am being told it could take up to 60 days. 

This is a very large amount of money and for a small business could cause major disruption in my finances. I am reaching out for help as this seems excessive and depending on the person I spoke to I got different responses..
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I was buying concert tickets from a seller. On XXXX messenger, the seller agreed to send the tickets through email after I sent money through PayPal. I sent the money but never received the concert tickets. I tried to file a complaint with PayPal, but they denied it. I also reached out to the seller on XXXX messenger as well as email. The seller blocked me on XXXX messenger and hasn't responded to my email. Could you please help resolve this issue. I transferred {$30.00} to the seller and was charged {$1.00} fee, but did not receive my concert tickets. My birthday is tomorrow and this is very upsetting. I appreciate your time in resolving this issue.
Product: Money transfer, virtual currency, or money service

I added funds to my Robinhood account to purchase crypto and invest on XX/XX/2024. They restricted my account to prevent me from having access to my funds. It has been more than 60 days and they are still holding my funds and refusing to return my money. I no longer wish to do business with Robinhood and would like my funds returned immediately
Product: Mortgage

Again Mr. Cooper has scheduled a foreclosure sale on my house for XX/XX/XXXX. Mr. Cooper is a registered mark service for Nationstar Mortgage still operating it's business as Nationstar Mortgage. Severally in the past Mr. Cooper asked me to submit same documents over and over again which were immediately submitted but were not utillised for the purpose intended that is to modify my HAMP Loan modification I applied for in XXXX. Instead Mr. Cooper engaged in telling lies, made false statements, gave deceptive information and bogus figures that could not be substantiated. Also, Mr. Cooper tried very hard to steer me away from the HAMP Loan Modification I applied for in XXXX. Mr. Cooper never conscientiously try to help me modify my loan so that I could stay in my house. Instead Mr. cooper engaged in looking for any rabbit hole it could find all in an effort to justify itself why it could not modify my loan. Is even more so now not giving me any justifiable reason or reasons why my house is scheduled for foreclosure sale on XX/XX/XXXX. It is obvious that Mr. Cooper 's goal is to sweep my HAMP Loan modification I applied for XXXX under the rug. Mr. cooper can not unilaterally resolve my HAMP Loan Modification because The HAMP Modification Program guidelines specifically stated to  resolve a loan under the Program it has to be bilaterally resolved and not unilaterally resolve. To do so is a violation of the HAMP Loan Modification Program guidelines. Also, Mr Cooper again is violating the Virginia Bankruptcy Law by repeatedly touting me with a voluntary payment in the amount of {$460000.00} which is illegal. I filed for bankruptcy in XXXX and my wife filed for bankruptcy in XXXX and both were discharged. XXXX XXXX XXXX XXXX in it's letters six of them, context the same that I received on XX/XX/XXXX said please find enclosed advertisement as published in XXXX XXXX XXXX. In all six foreclosure sale letters I received I could not find any advertisement as claimed by the Trustees, a false claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX XXXX my only address is XXXX XXXX XXXX XXXX New York XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncomplianc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Vehicle loan or lease

So back in 2018 I decided to purchase my first vehicle ever off of a car lot. I browsed online. I found something I wanted and then I went to XXXX XXXX in XXXX XXXX, Arkansas. They took my info after I told them which vehicle caught my eye. Well I was told I couldnt get the one I originally asked for because of my credit and they would want me to put a higher down payment. Well I done traded my car I was driving at the time in for a down payment on a XXXX XXXX XXXX that they pretty much pushed on me. I seen the car through pictures only and they insisted I get XXXX to go with my XXXXXXXX XXXX  for a down payment. Well I wanted another car. I thought I was being helped by a business with associates I could trust. Come to find out I was sold a car, taken advantage of and legally robbed of money, my car and my credit took a hit well they sold me a car that the motor was going out in. They took advantage of me so they could make a quick buck. I came back to the company numerous times about what the car was doing. They kept telling me it was a wire. Then I took matters into my own hands and had someone else check out the car. The motor or transmission was pretty much done. I went back to XXXX XXXX  and begged them not to do this to me as I was a single/widowed mother/ wife of a serviceman and we were going thru alot of issues that year as it was. Last thing we needed was a car problem that was aloud to hurt us all the way around by law. We they gave me a XXXX XXXX Which was a lemon also but this time it didn't start acting up til about 3 months later. It had wire damage, track stability. Eventually it quit running. Everything on this XXXX was expensive. This company new what they were doing to me and what problems I was getting and didnt care at all but only for themselves just to make a quick buck. I've asked this company to please fix the vehicle and they refused. So I didn't want the vehicle anymore. I was stuck with a vehicle that had so many problems I didn't know what to do. Well now as of today I am being sued for XXXX because of the car loan which is thru credit acceptance. I understand that used cars are as is when purchasing but at the same times these car companies are hurting people left and right and getting away with it. First off, I was getting a car I didn't choose. Yet thought I was still getting a good car which was something to be proud off. Next these car salesmen find us women especially needy ones like me at the time, a quick paycheck. These men lied to me. They even blocked me on XXXX after I begged them numerous times to please help me with this car or give me something else. They blocked me and I was banned from the property. I shouldn't be sued for XXXX amon top ofl being XXXX over on money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX ROUTE XXXX XXXX, NY XXXX Date of Birth : XXXX XXXX SSN : XXXX - XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax , I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX Account with account # XXXX opened on XX/XX/XXXX and a balance of {$73.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX XXXX  Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 
I am a victim of identity theft and I never opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on XXXX reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which you claim my account is chargeoff. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife and I have disputed these accounts on her credit reports detailing why they are wrong. Their self reporting refused to acknowledge the factual information we have submitted and keep report on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXXXXXX Account Dear Transunion Dispute Department , I am writing to formally dispute the inaccurate and inconsistent reporting of late payments for my XXXX XXXX XXXX  account on my Transunion credit report. As per my records and cross-reference with other credit reporting agencies, there are significant inaccuracies in how this account has been reported, specifically regarding late payment status in XX/XX/XXXX. Here are the account numbers reported on my report : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Transunion is currently showing XXXX late payments for XX/XX/XXXX, categorized as 90 days late but no prior 30- or 60 day prior late, which is both erroneous and inconsistent. To provide clarity : XXXX. XXXX reflects this account with an " XXXX '' status. 
XXXX. XXXX lists this account as 90 days late, but without prior XXXX or XXXX late designations. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure accurate and fair reporting of consumer information. It is my understanding that reporting a 90-day late status without any prior 30- or 60-day late notices violates Section 1681c of the FCRA, which requires that credit reporting be both accurate and updated with reasonable procedure. Reporting a 90-day delinquency without an accurate history implies misleading information, which may significantly and unfairly impact my creditworthiness. 
Additionally, the Fair Credit Billing Act ( FCBA ) offers protections to consumers from inaccurate reporting, especially when information fails to align consistently across credit bureaus. Since neither XXXX nor XXXX reports the same delinquency history, Transunions report is evidently erroneous. 
Therefore, I am formally requesting that Transunion : XXXX. Remove the inaccurate XXXX late payment entry for XX/XX/XXXX. 
XXXX. Reevaluate this account for full compliance with FCRA standards for accurate reporting. 
XXXX. Remove this account if it can not be accurately updated to reflect my true payment history. 
Please conduct a thorough reinvestigation, and provide me with written confirmation once this account has been corrected or removed. Enclosed are copies of how the inaccuracies shows on my credit reports from XXXX and TransUnion for your reference. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my report has been corrected or amended within the XXXX period required by law. 
Sincerely, XXXX XXXX XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. nor therefore any such debt in the fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$730.00}, XXXX XXXX XXXX  XXXX {$72.00}, XXXX XXXX balance {$15000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain accounts listed in my consumer report, which I obtained from your agency. These accounts should not be furnished on my consumer report as they are in violation under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports.

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX ( Unauthorized Inquires ) XXXX XXXX XXXX  open date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX  XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " 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, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent a wire transfer to EAST-WEST Bank in the amount of {$28000.00} to the account holder XXXX XXXX XXXX This money was for XXXX XXXX XXXX ' XXXX XXXX However, this transaction turns out to be a total fraud. In addition, this company promised me a refund if they did not perform. However, East-West bank is XXXX and abetting criminals to commit fraud on people like myself. In addition, it appears to be a pattern with this bank that is allowing their clients to scam people. I am one of many that have fallen prey to their client 's schemes. Please see my attached documentation to verify that I have fallen prey to East-West bank 's clients that are scamming people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identiy theft, could you please remove the below inquiries as well as the inquires attached to my identity theft 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 XXXXXXXX, personal XX/XX/2022 TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XXXX, personal XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Also, I would like the below address deleted from my credit report as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA, since the addresses is incorrect. 

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

I submitted a letter to the 3 Credit Bureaus on 12/08/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 


XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX Balance : {$6900.00} ; XXXX XXXX XXXX : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am reaching out yet again in reference to fraudulent items that I have reporting to my credit. After speaking with Experian, XXXX and XXXX I was told the steps that I needed to take to have these 2 fraudulent accounts removed and even after completing I have yet to get an update let alone a removal. My latest attempt occurred XX/XX/2022 which I submitted a notarized affidavit as well as an FTC report for the accounts in question. Yet these accounts remain on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX