23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I disputed tidewater finance with the credit bureaus as well as I filed a previous complaint against them with the consumer finance protection bureau, the results of investigation I have attached for review. My previous complaint was due to inaccurate credit reporting and water finance reporting different balances and past due amounts monthly to the credit bureau. The response that I received from XXXX and XXXX both for complaints on XXXX/XXXX/15 both reflect that they were verified to be accurate see attached for details and below are the balance discrepancies of that investigation. 
XXXX XXXX balance XXXX past due XXXX XXXX balance XXXX past due Once again I have found tidewater to be in violation and have attached documentation for you t review that this account is reflecting open and that is impossible because it is charged off. This account has also failed to report a date of last activity on XXXX credit bureau and this is another manor violation and a continued discrepancy on their part. It is the furnishers duty to provide accurate details pertaining to a consumers report and failure to report the last activity date effects who long a derogatory item is reported. Tide water finance repeatedly provides false information on my credit report that is affecting the integrity of my credit and score.
Product: Money transfer, virtual currency, or money service

My account was closed with XXXX. They said it was too much activity on my account when all I did was have friends send money to me. I had no business account but a Personal Account with PayPal. I have called several times to try to get my Payapl back but the customer service representative said that I had reached my limit with trying with the Resolution team which is fine with me. I called PayPal a couple of times to try to get my {$1200.00} back with no prevail. They keep saying I have to wait 120 to 180 days to get my money which is not fair. I have bills to pay and I can not afford to wait this long. I am a single mother and I work hard for my money just for PayPal to say wait for 120 days to 180 days is not fair at all. I need my money to Pay my bills. I did nothing illegal. If I did, I would understand and accept responsibility but I haven't did anything illegal. I have receipts showing proof that I went to XXXX and added my own money to PayPal. The thing is my account was active and open with Paypal because I checked my Paypal account before I left home and the time I added my money to PayPal from XXXX, shortly after my account got blocked. If I knew this I would have never added my money to PayPal. Why wait until I add my money to PayPal and then block me permanently. This is not right. All I'm asking for is my money to be returned to my bank account. All of my bank account information is in Paypal. I don't think it's fair. I really do need my money. My plans was not to file a XXXX  complaint but no one wants to work with me at Paypal to give me my money back when I have proof that I have added the funds. I have receipts from XXXX showing that I added my moneu to Paypal. Please give me my {$1.00}, XXXX back to me so I can pay my bills. Thank you.
Product: Credit card or prepaid card

Upgrade Credit Card- Had a Credit limit of {$3000.00} and never missed a payment or never been late with a payment. After my last payment on XXXX XX/XX/XXXX  for {$170.00}. My available credit never posted, and when I contacted them today XXXX XX/XX/, and asked, when will the available credit post, they informed me that after review of my combined credit, that my Line of Credit was reduced to {$2800.00}. So they kept my {$170.00} payment and left me with an available credit of {$.00} cents. They said the money was used for principal and interest. I have automatic payment setup, to be taken out every month. This is unacceptable, a total Scam, they should not be allowed to steal someones payments.
Product: Debt collection

I received a letter from Hunter Warfield the beginning of XXXX  for utilities that I didnt owe. I sent a certified letter to Hunter to verify that debt as being mine in XX/XX/XXXXXXXX  and they have yet to respond with proof regarding this debt.
Product: Checking or savings account

In XX/XX/XXXX, XXXX XXXX, one of my service providers withdrew an unauthorized amount from my checking account in the amount of {$210.00}. Once I notified XXXX, they told me I would need to contact my financial institution to get my funds returned to my account. They also claimed that they did not withdraw the funds from my account, but Huntington just sent them the funds. The Huntington dispute ID is XXXX. The Consumer Financial Protection Bureau notified Huntington Bank regarding my complaint and the bank Escalation Department contacted me and refunded the money. However, for some reason, the bank followed a " dispute procedure '' and stated that I needed to provide supporting documentation showing that I paid this merchant some other way. I once again explained to Huntington, that there should not have been funds pulled from my account period, this was an unauthorized transaction and XXXX happened to have one of my debit/credit account numbers on file. ( I have since closed this card ). 
The bank representative updated notes stating that no further documentation was needed since this was simply " unauthorized charges '' and was " not '' for services rendered. I now have another issue regarding this matter, Huntington made yet another error and pulled the funds from my account in XX/XX/XXXX! They pulled {$100.00} & another {$37.00} fee claiming they did not receive the supporting documentation showing I paid XXXX another method. On XX/XX/XXXX, I spoke to a supervisor who stated that I needed to call back at XXXX XXXX. so the matter would be escalated to their " Dispute Department '' who is the only group who can return my funds to me. Additionally, there are additional fees totaling {$250.00} that Huntington withdrew from my account in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I want credited back to my account immediately. Once all fees have been returned to my account, I plan to close my account and end our relationship with this financial institution.
Product: Credit card or prepaid card

Someone I do not know hacked my computer and made fraudulent charges under my name and was made on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I used the services of Remitly to send {$220.00} dollars to the XXXX XXXX and in the XXXX XXXX XXXX used XXXX XXXX to make a home delivery. 
I received a delivery notification and since I had use Remitly services before without any incident, I believed the funds were delivered. 

The following Month the recipient call me to make sure I send the funds I normally send on a montly basis because he had not receive the Month of XXXX and that landed the recipient in hardship. 

I asked him to contact XXXX XXXX in the XXXX and the very next day he showed up in person ti inquire about the missing delivery and he was told that there such transaction never occurred and that Remitly never send such transfer, I called Remitly Customer Service and remitly contacted XXXX XXXX to inquire about the transfer in question, XXXX XXXX responded to Remitly with a receipt bearing a signature which was not the recipient signature So there you have it, XXXX XXXX told the intended recipient that such transfer never occurred meanwhile, XXXX XXXX acknowledged to Remitly that they received the transaction and produced a bogus receipt claiming they had delivered the funds. 
The next day I asked the intended recipient to go back in possession of proof of the transaction and a copy of the receipt the supplied Remitly with. 

When confronted, someone at XXXX XXXX produced another receipt bearing the recipient legitimate signature, the thing was that such receipt was was for a different amount and sent by someone else on the same date but at a different time which the recipient received. 
For the record, I have a copy of such receipt with the recipient signature and another copy of a produced receipt without the recipient signature but bearing someone else. 
I would also like to state that Remitly Customer Service Representative judging by the noise around the conversation sounded like he was sitting in a bar and was likely speaking from somewhere in XXXX XXXX XXXX. 

Remitly did nothing further to investigate my claim and when presented with the proof all they said was well, XXXX XXXX claims they delivered and there is nothing we can do.
Product: Credit reporting 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$68000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXX XXXX XXXX Owed : {$930.00} XXXX  XXXX XXXX XXXX Owed : {$650.00} XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX  XXXX Balance Owed : {$6700.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. 

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. 

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I do not know who these ppXXXX are and I get emails from them many times that I had to block them and now they are listed on my credit. I need this complaint submitted as well as I will be reporting to the credit bureau that it is now affecting my credit
Product: Debt collection

In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XX/XX/XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). 

After receiving this information, attorney for the plaintiff, XXXX and XXXX, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XX/XX/XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I withdrew XXXX from bank of america atm in XXXX ma. the atm only provided me with XXXX and ran out of my money. I called right away and was told it would be credited in two business days we are now on day ( 5 ) and still has not been credited to my account. each time i call always getting different answers with nothing being resolved and my money returned to account! 


please help me resolve this issue! 

sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Entered into a reduced payment plan agreement XXXX XXXX XXXX XXXX and have paid as agreed from XXXX XXXX XXXX XXXX XXXX The agreement was pay {$99.00} electronically every month and my interest would be reduced to 6.50 % if paid as agreed. 
Bof A reports as 120 days late to all credit agencies from XXXX XXXX. 
This is incorrect. This is not in the agreement. I have paid extra more than the agreement many months. I have paid as agreed. I ordered the last 12 months statements from BofA and the statements reflect this. BofA refuses to acknowledge my dispute which I sent USPS Express with signature. BofA denies my dispute to credit agencies. Still reporting 120 days late from XX/XX/XXXX- until XX/XX/XXXX. I asked them to report as current for those months because I paid as agreed per the agreement they sent in writing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX, MO, XXXX 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've submitted multiple certified letters to XXXX, I was told that they did not receive the letter countless of times when I have time stamps showing it was received I was told by an agent at XXXX that they do not investigate any disputes their is Hard inquiries on my report that I did not authorize and every time i send XXXX a letter they claim they never received it
Product: Mortgage

this time they sent XXXX at XXXX ext XXXX he stated I am the successor and he was sending me a packet in the mail to complete the assumption even though this has been done a few times this time it was for real??? I went to go see my home???? My home is completely destroyed- that code compliance when I called told me the owner is XXXX XXXX XXXX the highly recommended dependent administrator- whom with the ex-wife working with XXXX XXXX and XXXX trustees and select portfolio service who hired- XXXX- as charges on every single bill was for preservation, and the fact that the Code Compliance by XXXX XXXX on his sending a cleaning crew to clean up and they clean out my home of property and autos are all gone- and grand theft auto? every single file and computer device burglarized- and it makes sense why they prevented my return to my home- was because they had made it so unlivable- and demand they repair the damages and the cease and desist on the fraud acts of charges for services they never planned to do but only wanted to extort money viacariously to charge and make a fraud earning at my expense and losses- They took the laws into their own hands and trespassed, had others trespass without notice or warning of such destruction- They have extorted a vulnerable adult protected under ADA sec 504- as they deprived me the rights to have an assumption and modification- as it was used to run the clock and tally up a loss by their hand not by mine- and then want to tac it on as a bill I owe when in fact they owe me as the law states 3x my losses- I meed to file an insurance claim- not on the insurance I was paying for via the billing statements as this is fraud and corruption to ruin the structure of the home to bank on insurance- so need my home back to a home that is not a health hazard as it is for me and the public- I have been deprived of home and property by the court appointed administrator the liasons who viacariously are responsible for the gross neglect of the illegal acts of this dependant administratpr- as he never cared about the benificiaries just the forclosure- I demand Justice- I been complaint after complaint- still they do not care as its like too many people they have hurt one class action after another- please advise
Product: Debt collection

I am writing to dispute and bring to your attention the ongoing inaccuracies in my credit report, specifically regarding fraudulent accounts that are significantly impacting my XXXX XXXX. I find it perplexing that while other credit bureaus have successfully determined the accuracy of my information and resolved similar disputes, your bureau continues to report misleading and damaging details. 
XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that fraudulent accounts are still present on my credit report maintained by your bureau, even though other credit reporting agencies have completed their investigations and cleared my credit history of any disputed accounts. This inconsistency raises serious concerns about the accuracy and diligence of your reporting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you 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 #, and I'm including it again. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NEVER OWED CCS OR XXXX  THIS IS NOT MY DEBT AND WHEN I CALLED THEY CANT PROVE IT.
Product: Debt or credit management

I did not authorize these inquires on my credit profile. please remove the following inaccurate inquires from my TransUnion credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Yesterday my acct # XXXX, at JPMorgan Chase had a balance of over {$55000.00}. Today the balance is XXXX. The bank refuses to tell me what happened to the money I have reason to believe it was stold by an employee named XXXX She also stole my government benefits from social security totally over XXXX usd
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Mortgage

Predatory closing. I had an original 80/20 loan in which the 20 % expired in 10 years in which I was tricked into signing. This caused multiple close calls for foreclosure and stress.