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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/ I did a XXXX in the amount of {$100.00} XX/XX/ I don't know what that is. 
These are hard inquiries on my credit report. Your website states anything under the amount of {$3000.00} would not require a hard pull. If these are not removed you all are false advertising your service.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Debt collection

I received an email around XX/XX/XXXX, in which PayPal claimed that they were selling off my debt to a collection company. I was so confused by this, because not only have I not used PayPal in years, but I have not been able to even login to my account in roughly the same amount of time. Then I looked at the total of this supposed debt that I have, and it said {$15000.00} and some change. I was absolutely flabbergasted, as I can definitively say I never ever used PayPal to accrue {$15000.00} worth of anything. I actually dont even remember a time Ive used PayPal in my name. I feel like they are just trying to take money from me, and claim that I have a debt that I did not incur. I have tried to email them to appeal this supposed debt, but they are not budging. They are claiming that guy was the one that in fact spend this money. I can 100 % say I was not. They said the charges are from XXXX, and I did not use PayPal in XXXX. I am at a loss, and I do not know what to do about this. I have worked very hard to fix my credit recently, and this is absolutely going to destroy it. This is totally unfair and not right in every way. How can a company just do this to me? I need help. It is entirely possible that this is a case of identity theft, where somebody fraudulently use my PayPal years ago. I just dont know. PayPal is being extremely uncooperative, and they wont even provide me with a detailed list of these supposed charges, so that I can even dispute them.
Product: Credit reporting or other personal consumer reports

There are fraudulent items on my credit report that I did not authorize or benefit from, and their presence is not only insulting but a violation of my rights. This situation has been deeply distressing, tarnishing my reputation and causing significant emotional strain. Despite filing a report with the Federal Trade Commission to address this matter, these fraudulent entries still persist on my credit report. Its disheartening that the very systems designed to protect consumers like me have failed to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY WILL NOT PROVIDE ME WITH PROOF THAT THIS DEBT BELONGS TO ME, I REQUESTED A CONTRACT AGREEMENT. BUT THEY CAN NOT PROVIDE ONE
Product: Mortgage

I paid the loan on full then I get a bill for XXXX cents so we paid that.This was to get the release of the deed.Shell point added to the loan and said I was 90 days late how can We be late on a loan paid off.Shell point is now trying to foreclose when the payoff is XXXX.That we did not owe so they can come on and still our house.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Navy Federal credit union over charged me on overdraft fees since 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a certified letter to the 3 credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States Bankruptcy court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States Bankruptcy Court that they do NOT report any items to any credit agency and that Credit Agencies use 3rd party vendors to obtain public information. I then received a response from all XXXX credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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

The charge off has not been taken off my credit report
Product: Credit reporting or other personal consumer reports

Inaccurate reporting of late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in conjunction with XXXX XXXX, XXXX BANK AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....
Product: Vehicle loan or lease

Credit acceptance is in federal Violation as a consumer I requested a payment history of the debt of XXXX and the down payment of XXXX dollars credit acceptance maliciously stated I only payed XXXX towards the debt after short sale of XXXX down with XXXX XXXX XXXX and the remainder balance of XXXX with credit acceptance maliciously stated they only received XXXX after records of receipt of purchase and payment history in total towards this loan the consumer has payed XXXX which includes the down payment of XXXX while the short sale company with remainder balance of debt with interest of XXXX percent has received in total of XXXX which is accurate numbers from payment history and including down payment this is a federal violation
Product: Credit reporting

Transunion will not remove this misleading information on my credit report. 
I sent them a identity theft report and they removed a bankruptcy and left XXXX tax leins on my report. But they say they could n't accept the report but the item was removed. They Transunion are just stalling, and causing me financial harm, and stress. My next move will be to sue Transunion for willful noncompliance and {$5000.00} for each item they refuse to correct on my report.
Product: Credit reporting or other personal consumer reports

The follow items are suspected of being a product of fraudulent activity .My Ssn and all person information have been leaked online.I believe this has lead to some unauthorized use of my credit, credit cards, and personal information. I have files a police report and the items on my report i believe to be affected,. see atttachment
Product: Credit reporting or other personal consumer reports

Without my knowledge or consent, an unauthorized individual used my personal information to fraudulently applied and/or open accounts in my name. I did not authorize these accounts, nor have I benefited from them in any way. 
I first became aware of the identity theft when I reviewed my credit report after I was recently denied a loan. Upon further investigation, I confirmed that multiple fraudulent accounts had been opened or attempted to be opened using my personal information. 
I have taken immediate steps to address this issue, including filing this FTC Identity Theft Report, contacting the affected financial institutions, and placing fraud alerts on my credit file. I am not responsible for any transactions or debts associated with these fraudulent accounts. 

- 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be corrected.
Product: Money transfer, virtual currency, or money service

I received the email below- DO NOT KNOW PERSON CITED - AMOUNT DOES NOT SHOW UP IN MY CU ACCOUNT, COULD MY IDENTITY HAVE BEEN STOLEN???? 
Local police officer I spoke with ( about another scam wanting XXXX or they would sell all of my info ) said to never press links or call #, it was common threat against seniors- If any repeat or similar, to report it. Please help ... 

Address info would not copy- just said SUPPORT and my address. 

TEXT OF EMAIL Western union : Money transfer confirmed Thank You for using Western Union : Your money transfer now available for pickup -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TRANSACTION DETAILS : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Your tracking number { MTCN } XXXX PLEASE USE THIS NUMBER FOR ANY QUESTIONS. 

Transactions date XX/XX/2021 Receiver name : XXXX XXXX XXXX Address : XXXX, Payment method : debit card Amount sent : - $ XXXXUSD Transfer fee : - $ XXXX Total : - $ XXXXUSD -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Exchange rate : XXXX Transfer XXXX Total final XXXX Issues with this transaction? If you haven't authorized this CALL US+XXXX Headquarters : XXXX, Colorado, United States Subsidiaries : Western Union International Services , LLC , MORE Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Media Relations XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/23 someone that had a copy of my drivers license went to a US Bank and opened a business checking account. That person whom posed as me did not have more than one form of identification, had a signature that did not match mine. US Bank was negligent and did not thoroughly check for identity. They linked this fraud checking account to my HELOC and my own checking account. On XX/XX/23, {$31000.00} was transferred out of my HELOC account and multiple transactions were made to take money out of the account over {$9000.00} has been withdrawn from my accounts. I have filed claims with US Bank. They told me it would take at least XXXX to XXXX weeks to have that money back in my account. I really need the money back in my account to pay for my bills and also being charged interest and late fees with multiple billers.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I opened an account with coinbase.com, and purchased XXXX  to use for foreign exchange. I sold my bitcoins and attempted to withdraw my money in USD on XX/XX/2021 ; as a result, my withdrawal was refused, and my account was frozen. I called their customer service department ; however, no live person was available to assist me. I attempted to troubleshoot on their website ; however, I received no help there either. Meanwhile, my funds, which were purchased at {$20000.00} and increased to {$24000.00} had decreased to {$19000.00} as of XX/XX/2021. On XX/XX/2021, I also realized that approximately {$65000.00} was fraudulently withdrawn from my XXXX XXXX XXXX account ; the fraudulent activities began approximately XX/XX/2021. Money has been taken out of my savings account and dispersed to numerous financial institutions, in which I have no accounts with, nor did I authorize any of the withdrawals with coinbase.com or any other company. My account number at XXXX was changed ; I took my previous debit and ACH numbers off of coinbase.com in an attempt to discern whether or not the funds were being withdrawn via coinbase.com or a subsidiary. I attempted to add my new information to my coinbase.com account in an attempt to withdraw the remaining {$19000.00}, and my new account information was rejected ; my coinbase.com account has been frozen, and I have not been able to withdraw my funds. I have sent them an email, and as of this date, there has been no response. I understand the lack of manpower due to Covid - 19 ; however, this company 's business practices appear to be downright illegal. I am a laid-off XXXX due to Covid - 19, and I can not afford to lose any more money than I already have. XXXX has Loss Prevention working on the disappearance of the {$65000.00} ; however, I need your assistance in recovering the aforementioned money from coinbase.com, and if you're able to assist in the investigation with XXXX XXXX XXXX, that would be greatly appreciated as well. Why is this company still allowed to operate and fraudulently steal from, and mishandle their clients ' accounts. Please help!!!
Product: Credit card

I received an email from XXXX XXXX suggesting I check my account, which I did. Upon reviewing my account, I noticed a credit card that is not mine. It is from a company entitled " XXXX The Synchrony Car Care Credit Card. '' The amount shown is {$4300.00} and show as 28 % credit usage with a date of 16 days ago. 

I called the credit card company and spoke with XXXX at ( XXXX ) XXXX and she provided me with a direct number ( XXXX ) XXXX which is not in service. 

I then contacted XXXX XXXX and spoke by Chat with two representatives. Each one disconnected prior to the end of the conversation. 

I forwarded a copy of the information contained on the XXXX XXXX site to XXXX XXXX.
Product: Debt collection

Called asking intrusive questions eluding that i know a person named XXXX XXXX and my name is on this persons file. I do n't know this person. Rude, accusatory, argumentative - XXXX XXXX I believe his name is - I believe he knows I do n't know this person - yet he asked for me by name - will these debt collectors ever stop - it used to be another person that i would get these calls for. Why ca n't these stop! They just keep changing company names or who they are trying to collect from. I am on a do not call list. My number is not listed. Please make these people stop this. I receive multiple hang ups a day because I ca n't even answer my phone because its always debt collectors looking for people i do n't even know!
Product: Debt collection

A collection agency under the name " GoldKey Credit '' has reported a " past due '' debt of {$1300.00} on my credit report and is refusing to provide me with validation that I owe them this money. The account number on my report is # XXXX. I do not have any unpaid debts with this company as I have never done business with them. I mailed a request for verification on XXXX XXXX, XXXX and to this date, I have not received a detailed explanation explaining what this money is for. It is now XXXX XXXX, XXXX. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The Better Business Bureau currently has a 80 % negative review rating and XXXX has countless stories of being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.
Product: Debt collection

XXXX. Received letter XX/XX/2022 from collection agency stating debt owed. 
XXXX responded by fax of XX/XX/2022 not responsible for debt XXXX. Received e mail on XX/XX/2022 from collection agency of response recived. No acknowledge of faxed received. 
XXXX. On XX/XX/2022 responded to collection agency by e mail. Included all information that was faxed on XX/XX/2022. 
XXXX. Received a letter on XX/XX/2022 dated XX/XX/2022 from the collection agency, That we had not responded. 
XXXX. This is obviously harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL RESPONSE XX/XX/2021 30 DAY RESPONSE XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

attached my FTC report and Identity theft report
Product: Credit reporting or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some items were incomplete and inaccurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ) According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverified information. 

( A ) in general, after an investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on on the results of the reinvestigation '' and promptly notify the furnished of that information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I filled an insurance claim for two lost/stolen items through my XXXX XXXX Credit card with Amex on or around XX/XX/2022. Claim number is XXXX. I provided all of the appropriate documents and Amex denied the claim for reasons unknown to me. The dates of the purchase and the circumstances were totally in-line with the purchase protection insurance. 

In XX/XX/2022 I filed the same claim again ( XXXX ). And went through the process of providing the same documents and additional written explanation. I received a notice in the mail asking me to call the insurance department as they had questions. I did ; after answering the questions, they submitted the claim and told me I should hear back very soon. After a few more weeks with no update, I called the same number and the person advised that I was required to call in and answer questions. I told them I already did that ; they had no record so we repeated the process. I provided all required documents and answered their questions over the phone. In XX/XX/2022, I received a notice that the claim was closed because I did not provide information that they requested. This made no sense. It seems like a scam.