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

I discovered an unauthorized and inaccurate collection account on my credit report from Transunion associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Transunion has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost my phone with my bank apps and my wallet in late XXXX. Ended up getting my things back but I recently checked my credit report and noticed some inquiries that I have no knowledge of so I would like them to be removed immediately. Thank you. The inquires are as followed XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX bank XXXX - XX/XX/XXXX XXXX XXXXXXXX bank XXXX  - XX/XX/XXXX XXXX XXXXXXXX bank XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against ABILITY RECOVERY SERVICES ABILITY RECOVERY SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to ABILITY RECOVERY SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) ABILITY RECOVERY SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Credit reporting

XXXX XXXX Equifax, placed a collection for {$290.00} from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX on my credit report. I disputed the collection and Equifax investigated and stated the debt was mine. I submitted a request for reinvestigation ( XXXX ) and again Equifax investigated and stated it was mine. I again asked for a reinvestigation ( XXXX ) and finally the debt was removed. XXXX XXXX, this same debt was placed on my credit file this time by XXXX I again disputed ( XXXX ) by a letter referencing all the above investigations and the debt was removed from my file. XXXX XXXX this debt has again been placed on my credit report by the XXXX XXXX XXXX XXXX. I have again submitted a dispute ( XXXX ) at this time the dispute is still pending. This debt belongs to a relative who 's name is similar to mine. However our names are not the same. I have even spoke to Equifax and the agent advised a notice would be placed in my file to ensure my social security number was on any negative information placed on my file. ( I can fax supporting documents )
Product: Money transfer, virtual currency, or money service

I received an email on XX/XX/2022 from PayPal saying that a request for money had been made for {$1300.00}. I then logged in to my PayPal account using my password and there was an invoice for that amount. To the right of the amount it said " if you don't recognize this transaction please call '' an 888 number. The person who answered stated that a IPhone 14 was purchased from Michigan under my account, but he could refund my money. Since I was already on PayPal, he then used a program that I had to type in my name and the amount, but he said it had to be done in {$600.00} increments, and I had to be very careful when typing it in. But when I typed in {$600.00}, it came up as {$6000.00} ( I assume they manipulated that ) so then he said I would have to pay that back, and said PayPal banks with Target, and I would have to go buy {$4500.00} in target gift cards, and take pictures and send them to him. He then told me to look at my bank account and he showed that they had transferred the {$4500.00} back, but I was to wait until the next morning to finalize. I was awoken in the morning to a text from my bank that they had taken all but .09 cents from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I received a wire in the amount of {$14000.00} in my Bank of America ( BOA ) business account from a transaction with a third party. About a week later I saw that my entire account was frozen without anyone from BOA informing me. So I called BOA and I was informed that the account was frozen because they have received a claim from XXXX XXXX that the {$14000.00} received was not from an authorized source. 

I was informed the investigation will take up to 90 business days and once the investigation is over, the funds will be unfroze or returned to XXXX XXXX. 

I didnt hear anything from BOA after 90 business days so I called them and they told me the investigation is not over. At this point, I realize this was a sham investigation with no concern for me as the customer. 

Finally, around XX/XX/XXXX I saw that the {$14000.00} was unfrozen in my business account so I contact the party that sent the wire. I received wire instructions and sent the funds out thinking the everything was over. 

Today, XX/XX/2023, I opened my personal account, different from my business account where the {$14000.00} was held, and saw a debit of {$14000.00} from my personal account. I contacted BOA again and asked why {$14000.00} was debited from my personal. To my surprise, BOA informed me that they have deducted the {$14000.00} in my personal account because of the wire transfer on XX/XX/2023 in my business account. I questioned why they unfroze the funds in the business account and they couldnt provide me with an answer. The wire fraud department person I spoke to keep telling me she doesnt have answers and that the back office people were the ones that deducted the money from my personal account. 

I am reaching out to your organization because of the unfair treatment of BOA to me as a client and also deducting {$14000.00} from my personal account after an investigation into wire was completed and funds unfrozen. 

Please I want BOA to unfreeze the {$14000.00} in my account and write an apology letter for this unfair treatment to resolve this issue amicably. 

Thanks
Product: Credit reporting or other personal consumer reports

The following company made an unlawful request on my credit report, and I am writing to let you know about it. Below is the company name along with the date that I received the inquiry. 
XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act JPMCB CARD Account # XXXX XXXXXX, has violated my rights. 


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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting acXXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 


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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.
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 XXXX  Account Number: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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$210.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Given the negative impact on my creditworthiness, I am requesting the removal of these incorrect items from my report. 

Please let me know if you require any additional information to proceed with the investigation. I appreciate your time and assistance in resolving this matter. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. Hard Inquiries involved : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXX/XX/2020 The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me. 

This issue has taken over 90 days to this date. XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card

My Discover Card reduced my credit limit even though I have made all my payments on time, always paid more than they minimum amount due and have never come anywhere close to the credit limit they stated because balance on cards are to high with others and because I have finance company accounts on my credit file. NONE of my accounts have ever been delinquent with any of my creditors. I have an EXCEPTIONAL payment history. There was no reason for them to reduce my credit limit at all doing so caused me harm by making my credit usage shoot up. What the XXXX is up with these companies it like here is the card but don't use it!
Product: Credit card or prepaid card

On XX/XX/2018, I purchased my then to be Fianc a ring from Zales XXXX XXXX XXXX. XXXX XXXX XXXX ( credit card company for Zales ) only approved me for {$2000.00} and I had to pay the difference and lay away the rest of the money.

I chose the ring and when it was time to pay, the credit card was swiped for {$2000.00} but strangely it took the whole payment of {$5400.00}. I was in the Zales store for 4 hours because of this mishap and the management team couldnt come up with a solution. So they told me that everything is ok and to sign for the payment and I would get a call within 3-5 business days for a  solution. Nothing was explained to me regarding a plan I am on or if I had a certain time frame to pay off the ring. I was told this had never happen and the whole payment being taken on a credit card is a first. I never got a call or email stating what is happening with my account until I made a call on XX/XX/2018. I was told my account is in good standing and they are aware of my situation, to keep making payments on time and not to worry about interest.

On XX/XX/2018, I received an email stating all the money I paid was taking away because interest was charge per agreement, in which I wasnt aware of any agreements.

In a years time, I paid almost {$1500.00} and made every payment on time.

Interest charged was {$2200.00}!!! It was not charge per month like all other credit card companies do, it was charged from the whole year I started with them, which was false advertisement.

I called Zales customer service management team and explained my situation letting them know I was not warned on any interest charges because of how the whole payment was charged on the credit card. They said I had to write a letter to the customer service team, in which I did and they denied my claim, did not contact me back and is expecting payment, which is NOT FAIR. Now my credit score drop significantly which hurt my chances of buying a house for my family.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
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: Vehicle loan or lease

This complaint was to inform you that Wells Fargo 's repossession documents contain false information which steadily results in Wells Fargo keeping vehicles. You admit fault and excuse it by stating it's a state requirement to obtain receipt from local authority. This is true. Being that it is a state requirement, Wells Fargo should adhere to it. It is not to be used to mislead borrowers. That is what it is doing, correct? Its not only misleading, its Grand Theft Auto. Those were my harsh allegations that Wells Fargo is admitting fault to and apologizing for, correct? Wells Fargo is requiring borrowers to obtain a receipt But lists the incorrect local authority and also includes incorrect address, and lists incorrect documents required needed to obtain the reciept. Please describe how borrowers are able to fulfill this requirement if you are specifying the wrong authority to obtain the reciept? Wells Fargo is able to claim complete financial ownership because borrowers are not able to fulfill the requirements needed in order for Wells Fargo to release the vehicle within 15 days prior to auction. Your apology and dismissal are not welcome. You have acknowledged fault, apologized yet did not make any changes to fix your current practices for other borrowers. And completely dismissed my claims with an apology. 
My original complaint is ... .XX/XX/2020 I recieved an NOI letter from Wells Fargo Dealer Services . The letter has an order of steps required to reinstate or Redeem your vehicle after repossession. Borrowers are required to obtain a reciept for cost of filing from the Sheriff 's and lists the sherriffs headquarters address. Letter is attached. THIS IS FRAUD. The sheriff 's do not file repossession reports. Sending borrowers to obtain a reciept from an agency and address that is not valid resulting in failure to reinstate or Redeem vehicle is unethical and dirty, even for Wells Fargo. Why make us run in circles just take the vehicle and say XXXX CA law. Being that I only had 12 days before my truck was to be sold, NOT 15, I called Wells Fargo in a panic trying to get more information on how to obtain this receipt and they were unable to provide me with an alternative ... .... which IS FRAUD. I was required to obtain a reciept for cost of filing that is a non-existent filing because sherriffs DO NOT file repossessions. Requiring borrowers to obtain a reciept that does not exist, before they reinstate or Redeem their vehicle is not possible and would certainly result in Wells Fargo stealing vehicles. Wells Fargo tried to blame their NOI Letter on the repossession agency. As if the repossession agency sent the NOI Letter. Wells Fargo will not accept fault for this meaning they are actively stealing vehicles. Please see your attached response and re-advise. I am denied reimbursement for time without my vehicle because I allegedly sent 2 checks to the the wrong state. Not NC. That's false. XX/XX/XXXX next day shipment tracking has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no-one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Product: Mortgage

Contacted SPS to request information on how to cancel PMI because I am well over the 80 % threshold. I owe {$140000.00} and it is worth {$300000.00} which is 2.07 %. I sent letter to them with the information requested to them on XX/XX/XXXX. SPS responded and acknowledged the letter. SPS sent me a letter on XX/XX/XXXX stating the how to request to remove the PMI. It has been well over sixty days and I do not have an answer, they are charging me {$38.00} per month as I await their response!