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

When I checked my credit report and I saw things on it I didnt recognize and other things on it like amounts the amounts were higher I been trying to dispute it but nothing wont work and they put stuff on my report without my permission
Product: Mortgage

1st issue -- Their website 's is impossible to log into. I believe this is intentional. 
I have done everything asked of me -- over and over again. 
2nd issue- I sent a XXXX check at the beginning of XXXX 2016 for an appraisal ( needed to get rid of my pmi ) No response from Seterus 3rd issue-I would like to know if a lien was dismissed when I filed for bankruptcy several years ago.
Product: Checking or savings account

Opened the account on XXXX. 
Received a direct deposit on XXXX. 
Still have not received the {$400.00} bonus yet. 
Have already contacted the customer service. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian -- I have submitted several letters or Experian in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. Experian refused to update that my report, simply stating they don't have to reinvestigate a dispute they already investigated. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX account. The original XXXX account WAS removed by Experian, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 

This is the third complaint Ive submitted against them. They remove the things only after I submit a complaint. Even after sending in both mailed copied of price report and uploaded online. This has now cost me the ability to refinance my house. 

XXXX  -- I have submitted several letters or XXXX in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. XXXX  refused to update that my report. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX not my account. Result of identity theft from someone who opened an account. Police report provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX account. The original XXXX account WAS removed by Experian, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 


XXXX  -- XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, 2017, I was approved for an Auto Loan through my financial institution ( XXXX ). After researching vehicles, I test drove a XXXX XXXX XXXX-I liked the vehicle. To give my choice consideration, an hour or two after the test drive I went back to XXXX XXXX XXXX XXXX, XXXX IL, XXXX ( ( XXXX ) XXXX ) : to begin negotiations. <P/>I settled on a price. After a drawn out process with the salesman, I was then taken to the Finance Manager ( XXXX XXXX ) who was inappropriate and unprofessional insulting XXXX and my loyalty to them. I rejected all offers for other financing options and refused to sign the loan application he had prepared befor I sat down indicating " I had to sign it! '' I DID NOT sign nor authorize XXXX XXXX or any other auto dealer to run or prepare a loan application on my behalf. XX/XX/XXXX, 2017 I received a rejection letter from XXXX XXXX regarding a loan I had applied for. Loan application # XXXX. I called XXXX XXXX but they would not give me any information other than the car dealership name regarding this issue. I was told to contact the dealer. <P/>I am sure you can understand for the safety of myself and my family ; with regard the mechanical readiness of the purchased vehicle I refuse to do so. <P/>Furthermore, I also received a credit card for an AUTO purchase with a line of {$7500.00} XXXX dollars. This offer I discovered is from a XXXX XXXX. Some how this is associated with XXXX XXXX or the value extended to this organization. <P/>I have been the victim of TAX fraud in the past ; both my banks in the past week have upgraded and increased my security measures regarding my accounts : this is an indication my information is being compromised. <P/>Please I implore you to look into this on my behalf. <P/>Your interest is greatly appreciated. -- -- - Respectfully XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone stole my account and routing number as well as my card as wel as made changes on the XXXX of this month to my account with out my knowing i need to close this whole account right now its jepordized
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX - XXXX  XXXX XXXX Balance : {$7400.00} XXXX CARD XXXX Balance : {$2500.00}
Product: Credit card

This is a written dispute of the following transactions to my XXXX XXXX credit card for dates XX/XX/year> and XX/XX/year>. I did not authorize the charges nor did I give my credit card to anyone to make purchases on my behalf. To dispute these charges/purchases I immediately signed into my account and reported the problem under each transaction however, XXXX XXXX has not removed the transaction nor credited back my account, per their own instructions listed as to how to dispute a transaction. As such I am requesting that the following charges be immediately credited and refunded back to my account, to resolve this matter. TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00} XXXX, MI XXXX XXXX XXXX XXXX Tue, XX/XX/year> Posted : Wed, XX/XX/year> Appears on statement as : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11.00} XXXX, MI XXXX XXXX XXXX : Tue XXXX XX/XX/year> Posted : Wed, XX/XX/year> Appears on statement as : XXXX XXXX XXXX XXXX MI XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX MI XXXX XXXX Purchased : Tue, XX/XX/year> Posted : Wed, XX/XX/year> Appears on statement as : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6.00} XXXX, MI XXXX Purchased : Tue XXXX XX/XX/year> A XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX {$1.00} XXXX Hi, MI XXXX Purchased : Wed, XX/XX/year> A XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX {$1.00} XXXX Hi, MI XXXX Purchased : Wed, XX/XX/year> ; A XXXX V XXXX XXXX XXXX XXXXXXXX ... XXXX {$1.00} XXXX Hi, MI XXXX Purchased : Wed, XX/XX/year> ; A XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX {$1.00} XXXX Hi, MI XXXX Purchased : Wed, XX/XX/year> ; A XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX {$1.00} XXXX Hi, MI XXXX Purchased : Wed, XX/XX/year> ; A XXXX V VXXXX XXXX XXXX  XXXX ... XXXX {$1.00} XXXX Hi, MI XXXX Purchased : Wed, XX/XX/year> XXXX XXXXXXXX plus XXXX totaling XXXX. I am requesting that the following charges be immediately credited and refunded back to my account, to resolve this matter Submitted by, XXXX XXXX Faith XXXX XXXX XXXX XXXX XXXX, Michigan XXXX
Product: Debt collection

A charged off credit card account which was bought by LVNV Funding LLC.for {$400.00} ( {$840.00} is what theyre trying to extort from me ), which was then sold to a company called Resurgent.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally advise you of the deletion of an account from my XXXX credit report and to request that the corresponding charge-off account be deleted from my credit reports with the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ). The account in question, which was a XXXX charge-off, was disputed and subsequently deleted from my XXXX credit report after an investigation was completed on XX/XX/year>. Given that XXXX has completely deleted this account from my credit file, I respectfully request that XXXX, XXXX, and TransUnion take the same action. The information associated with this account is now verified as inaccurate and can not be substantiated with documentation. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, any information that can not be verified must be removed from the credit report. The FCRA clearly protects consumers from having unverifiable or incorrect information impact their creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I request that the unverifiable XXXX charge-off account be deleted from my credit report with your agency within 30 days of receiving this letter. Failure to do so within this timeframe would be a violation of my consumer rights under the FCRA. As outlined under Section 611 of the FCRA, if an item is not verifiable after an investigation, it must be removed. If the credit reporting agencies do not delete the unverifiable debt, I am aware that I have the right to take legal action, including but not limited to pursuing claims for damages. I also reserve the right to take any additional legal recourse available to me, including reporting the violation to the CFPB and potentially filing a lawsuit for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Please confirm the deletion of this account in writing within 30 days, or if the information is still being reported, kindly provide a complete and accurate response substantiating the debt. I look forward to your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Your complaint on XX/XX/2020, I sent a third party debt validation letter to Portfolio Recovery Associates, requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), Portfolio Recovery Associates, has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.
Product: Bank account or service

The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. In 2014, upon request I paid {$2000.00} dollars to XXXX XXXX, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX XXXX I was on the phone for at least an hour ), she mentioned that she could n't open the dispute simply because it goes against company policy and procedure via XXXX and XXXX card, they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay. 

Thank you, XXXX XXXX
Product: Debt collection

I received a letter by priority mail, with the address being from : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. There was no entity name on the envelope, VERY DECEPTIVE. The U.S.P.S. tracking number is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. I opened the envelope and in a LARGE BOLD LETTERING it said ATTORNEY REFERRAL PENDING. The letter is threatening lawsuit, doesn't say anything about my rights and looks very misleading as if it were from an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

Hello,

Thank for your time.  On Friday XX/XX/XXXX attempts to transfer funds to two of three accounts held at Etrade Bank.  Upn not being able to transfer funds either by ACH (check) or Direct Deposit i phoned customer service.  The rep stated the accounts were in the process of being closed and refused to provide any explanation for the closures, and also wouldn't provide a supervisor whom could more insightful explanation of the situation.

With phone calls to the customer service dept. who refused to provide  any explanation or answers as to why the company abruptly closed and blocked the accounts I found the accounts open online through the online banking site end of the company.

From the Online banking site, a request as follows:

START----------->
Sent: XX/XX/XXXX XXXX XXXX
Reference Number: XXXX

Customer Service Message:


Dear XXXX XXXX,

Thank you for your message regarding your account.

At this time E*TRADE has chosen to no longer do business with you because there has been abuse of this account and known fraud. As a result this account will be closed. 

Should you have additional questions, please feel free to respond to this message or contact our Customer Service team at XXXX (+XXXX XXXX). Our representatives are available 24 hours a day, seven days a week.

Sincerely,

XXXX XXXX
Sunday - Wednesday XXXX - XXXX ET
XXXX (XXXX)
Associate Financial Services Representative
E*TRADE Securities LLC
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XXXX XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, Kia Finance America : action : exposed to data breach Pursuant 15 USC 1681, section 602 XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX  XXXX XXXX  XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XX/XX/XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the U.S. Department of Justice, U.S. Senate, U.S. House of Representatives, Federal Trade Commission, and Consumer Financial Protection Bureau, requesting an investigation into the following fraudulent and unauthorized credit inquiries thats constantly listed on my XXXX, Experian and XXXX XXXX credit report : XXXX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX/XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the payment history associated with the account : XXXX XXXX Open Date : XX/XX/year> I believe the reported payment history is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported payment history associated with my account.

2. The provision of complete account-level documentation that verifies the accurate payment history in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Debt collection

This is a payday loan, I was told by a lawyer that is illegal in Virginia and not to pay this. 

They have been calling multiple family members and now have called my father telling him it was a loan that we were paying and had a small amount remaining that we need to take care of. And it wasn't much but we needed to do this. 

They are also calling me and my wife 3-4 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of Receivables Performance management added a file to my credit report. I have called this company multiple times and have been hung up on and cursed at. To no avail that have not done anything. I do not have a signed contract/ and or account with this company. Also this company is not bonded and or licensed in the state of Michigan to collect debt owed. It is illegal in Michigan to try and collect anything and you are not registered with the state.