23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The date the account open was XX/XX/2023 The amount due on the debt according to XXXX XXXX is {$290.00} The company has already attached this debt to my credit and has derogatory marks stemming from it. I already have XXXX service on a friends account and this fraudulent activity stopped me from being able to transfer my phone to my own line of service with XXXX. 
I already tried to dispute it with XXXX XXXX and it came back, not changed. I even let them know that I had been a victim of the data breach through XXXX XXXX XXXX  and that my information as far as my Social Security number and other sensitive information was leaked onto the black web.
Product: Credit reporting

I 'm a victim of identity theft so there 's a lot of increasing on my report I already contacted the creditors and they said they already send out letters to the creditors to remove the increase that does n't belong to me and for some reason XXXX and XXXX not removing them
Product: Bank account or service

JP Morgan Chase allows for funds to be removed from your checking account to pay for payments up to XXXX this means that while you 're sleeping your bank account could over draft and it wo n't let you know until it 's too late to fix it. Chase has done this to my husband and I multiple times. 
It 's understandable to have overdraft fees, but to allow payments to be deducted from the account at night when people are sleeping or working and are unable to bring the account positive is just crooked. I check my bank account every night before I go to bed. Last night I had {$32.00} in it. At XXXX this morning I had $ XXXX. Because a check went through last night, at XXXX when I am physically unable tocorrect it because I 'm already asleep. Now Chase will not refund the money because I have had the maximum amount of refunds they allow. This is unfair business practice because I would n't have had so many fee reversals if they would stop charging me overdraft at XXXX eastern time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am reporting this complaint to the CFPB due to the lack of XXXX/XXXX XXXX to remove this account from my credit bureaus and they are reporting it as derogatory and past due. This account was sold to Midwest recovery systems, XXXX XXXX XXXX. The account was paid off in full and they agreed to remove the account from my credit report. I filed an dispute with XXXX, XXXX, XXXX  and they reported that XXXX/XXXX  says that I still owe on this account and they don't own the account anymore as it was sold to the third party agency. I called XXXX/XXXX  and they stated that they no longer have my information and they are not allowed to send me a letter to remove it from my credit report as stating it was sold to a third party agency. If we can get this removed this will be great. It stressing me out and holding me back from my life.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX {$800.00} was pulled from my account from cashapp..under the name XXXX. He nor I authorized that. it was hacked. Causing my account to be negative XXXX dollars plus overdraft fees. I've filed XXXX disputes, the bank keeps closing them out. And the bank got their XXXX out of my paycheck. Which is not right.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries listed on my credit report, which I believe are fraudulent. I have no association with the listed creditors and suspect that my identity may have been compromised.
Product: Debt collection

Subject : Unauthorized Access & Misrepresentation of Debt Dear CFPB, Im filing a complaint for violating my privacy rights and misrepresenting a debt they claim I owe. 

Heres what happened : 1. Unauthorized Access to My Credit Report They pulled my credit report without my permission, which is a clear violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ). I never gave them written consent or authorized any agreement that would allow this. They have reported this information and it is damaging my reputation when I have no agreement or have ever done business with this company.

2. Failure to Prove I Owe This Debt Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), theyre supposed to provide proof that I actually owe the debt. Ive asked, and they havent given me anything validjust generic statements with no real documentation. This is a blatant disregard to the laws that protect consumers.

3. False Reporting & Misrepresentation Theyre reporting this debt as if its legitimate when they havent proven they have the legal right to collect it. Thats deceptive and against FDCPA ( 15 U.S.C. 1692e ).

4. Privacy Violations & Harassment Theyre trying to collect without proper documentation, and their actions are not only invasive but also illegal. Their reporting publicly to my credit report is harassing in nature.

What I Want : Remove any unauthorized credit inquiries and delete this account in its entirety from my credit report.

Provide legitimate proof of this debt if its valid. Show where I signed an agreement allowing you to access my private data or where your company name is in contract with me.

Investigate this company for violating consumer protection laws.

Hold them accountable for violating my rights.

This situation is causing me unnecessary stress, and Id appreciate your help in getting it resolved as soon as possible. 

Thank you
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent they were done with our my knowledge or approval I called XXXX XXXX  and stopped the IRA or Checking account and I told them to stop the cred card they said they could not stop it but will remove the inquiry afterwards, I had no idea of XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX card are all fraudulent applications that ran my credit without my knowledge or consent, I am requesting an hard copy of my credit report from all credit bureaus Experian, Transunion, Equifax as I am requesting and Equifax has refused to send an hard copy of report or dispute my inquiries. and dispute XXXXXXXX XXXX XXXX on XX/XX/2024 from Transunion.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I was sent XXXX dollars by my mom on Google pay to help me with the purchase of a vehicle so I had transportation to and from work. Now as soon as that balance was sent I was able to make a XXXX dollar transfer and a XXXX dollar transfer to a friend for a ride to go look at vehicles and to buy us lunch. I found a vehicle and was looking forward to purchasing it but when I went to transfer my balance out of Google pay it came back with an error message and the {$2900.00} withdrawal was not approved and I got a message that my account was suspended and I had to verify my account now I just verified and had my account approved by google pay on XX/XX/2024 and have used it on a pretty regular basis every week to send money to pay bills and to receive money when I needed it. But now I had to re verify the account and so I sent them all required information, I sent a bank statement with the information to verify my bank account and debit card and then sent a picture of my driver 's license which was approved on the XXXX of XXXX. They did not approve it this time and after countless attempts I decided to call. Only to be given no use full information and I even tried to send verification info while I was talking to someone on the phone only answer I could get was I had to wait XXXX to XXXX hours for their support team to investigate and verify my information. After becoming very frustrated I asked to speak to supervisor on phone only to be told he would email me. Well 2 days later I received email stating they were permanently suspending my account and they couldn't tell me why and that it was a decision made by their team because now they couldn't verify my information and said it was suspicious. Then I read further to find out they will not be letting me access my balance of XXXX and that I could not use or withdrawal it or send it to anyone because my account was suspended for reasons that they won't tell me.. they won't refund it to my mother either, so now it's almost like they are stealing my money from me and I can't do anything about it, I'm about to loose my job because of lack of a ride. Please help me I've attached the communications email from the supervisor and the last email I got from Google support. 

XXXX XXXX
Product: Debt collection

This company XXXX put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called ERC. The account number is # XXXX with the company XXXX The last dispute letter date was XX/XX/2020 The amount is for {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : Experian I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you  provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on XX/XX/2017 U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}
Product: Credit card or prepaid card

On XX/XX/2021, my credit card has been closed due to inactivity. I called my provider on XX/XX/2021 requesting to reactivate my card. They said, No we can't. However, the credit card agreement does not mention anything about reactivation not being allowed. I had this card for almost 4 years and Oldnavy Synchrony does not help on resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED XXXX XXXX AND EXPERIAN about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.
Product: Credit reporting or other personal consumer reports

DESPITE MY CONTINUOUS EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Reporting in XXXX 1. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

Reporting in XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

Reporting in TransUnion 1. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit card or prepaid card

Synchrony has unethical practices by lowering credit limits to good paying customers. I contacted Synchromy on XX/XX/XXXX to request an explanation as to why my account limit was lowered negatively affecting my credit score. Agent was outside of the US and couldn't understand me and transferred me to an agent in the US. Agent in the US offered to close my account which I did not agree to. A month later I received a card that my account had been closed.

I contacted company on XX/XX/XXXX and XX/XX/XXXX to get a response as to why my account was closed. Both agents stated that I had requested to close.my account. However, I never agreed.to have my account closed. When I had previously called synchrony I discussed with agent option to close, but never agreed to close account because call.dropped. synchrony closed my account without reading the appropriate disclosures to me or getting my statement recorded. 

This company has negatively affected my credit after I have been a good paying customer. Their practices as harassing and deceptive.
Product: Vehicle loan or lease

Please see the attached letter of dispute. Wells Fargo failed to communicate with me that a joint account was delinquent. They had contacted me in the past of a late payment and I brought the account current asap. Had they made any effort to reach me, a signer on the loan, I would have made sure it was paid. No mail, email, or phone call attempt to contact me. Furthermore, they only reported the one 30-day late payment, after almost a year with them. I had to call and ask for a third time that all the previous on-time payments be reported. Of which they have only reported a few at this point. The current credit reporting is incomplete and I want the 30-day late removed as I was unaware the payment was not made and they made no effort to advise me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX account for months. XXXX  and Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Mortgage

I purchased a home XX/XX/XXXX and took out a mortgage with a 30 year term from Wells Fargo to finance this purchase. I refinanced with another lender in XX/XX/XXXX. I recently received a refund from my Wells Fargo Escrow account in the amount of {$150.00}. I believe I am due much more than this amount as explained below. 

Wells Fargo collected a total of {$5800.00} from me to cover my escrow account expenses. 
Below is a list of the dates and amounts of each escrow payment I made to Wells Fargo. 
XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXXWells Fargo escrow payments on my behalf XXXX {$1400.00} - XXXX and XXXX {$1400.00} XXXX XXXX Tax XXXX {$1100.00} - XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX and HomeThe payment of {$1400.00} to XXXX XXXX on XX/XX/XXXX should not have been made. I switched insurance carriers from XXXX XXXX to XXXX XXXX XX/XX/XXXX and notified Wells Fargo of that. Wells Fargo paid my XXXX XXXX premium of {$1100.00} on XX/XX/XXXX but also paid XXXX XXXX {$1400.00} six days later and apparently expects me to cover this payment. Total legitimate Wells Fargo expenses were {$4000.00}. My escrow overpayment was {$1800.00} which I 'm requesting Wells Fargo refund to me. 

When I refinanced the mortgage XX/XX/XXXX the total loan amount I owed to Wells Fargo was {$110000.00}. The payoff total they supplied to my new mortgage company was {$120000.00}. This resulted in an over payment of {$1200.00} to Wells Fargo which I 'm requesting Wells Fargo refund to me. 

The total amount due me is {$1800.00} Escrow Payments {$1200.00} Final loan payout $ XXXX {$150.00} = {$2900.00}. 

I 've attached the following:1. My XX/XX/XXXX mortgage statement from Wells Fargo showing the remaining amount due of {$110000.00}. My HUD Settlement statement showing a payment of {$120000.00} to Wells Fargo. 
3. A Wells Fargo Account Activity statement detailing the same payment. 
4. The Final escrow account disclosure from Wells Fargo.
Product: Credit reporting

Please accept this as a formal complaint against TransUnion Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold - remarks : transferred to another lender ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately one month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2018. Office of the Attorney General of Texas has reported a incorrect amount about child support and arrears. Since then custody has change hands in my favor. I have custody of the child. I am still paying the other parent but the AG off is till reporting that I am paying late. Been trying for almost 2 years to get this matter back before a judge and still no action has been taken. My credit has been damaged because of this matter and the credit bureaus has not done or addressed the reporting.
Product: Credit reporting or other personal consumer reports

Dear Experian please advise this is not a dispute, this is a consumer permissible request. PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS DISPUTES I am the original secured creditor I do not dispute accounts! I give proper directions and permissible requests for you to act as an agent and correct your misleading information. 
I understand Experian is not a bureau nor is your agency backed by any government agency. I am aware that Experian is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 
Under these circumstances I am aware of pursuit to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As A Third party agency Experian must comply with my written instructions. I have given Experian my written consent and instructions to remove multiple fraudulent and misinformed Tradelines from my consumer report. 
Experian has continued to update my report with no proof of proper verification/Validation. Also the accounts are exactly the same! I will be contacting the attorney general in regards to the matter as well. There is no way a proper investigation was done within a 3 day time period to receive these fraudulent misinformed results! 
Please see attached affidavit for such fraudulent activities and all violations listed. 
15 U.S. Code 1681a ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

15 U.S. Code 1602 ( l ) My credit card was used to initiate a credit transaction.

Everything that arose from my credit card, should NOT be on my consumer report.

Under FCRA Section 623 ( a ) ( 1 ) ( A ) 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. 
Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Pursuit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I XXXX XXXX XXXX, natural person, living person is giving written instructions to to remove and cease furnishing any and all reporting activities in regards to the accounts above. 
These are the accounts that need immediate removal 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

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me..XXXX XXXX XXXX and XXXX XXXX XXXX