23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've written two letters to TransUnion about reporting the incorrect information for my account with XXXXXXXX XXXX  There have been a lot of discrepancies of what they're reporting and what the other bureaus are reporting which is a violation to FCRA requirement as they all should be reporting the same thing. TransUnion has not removed the account from my report.
Product: Debt collection

Midland Credit management is a company attempting to collect an alleged debt i have no liability for as i have never has a wet ink signatured contract with this company at all.They are not registered nor license to do business in the state of florida and are clearly in violation of identity theft as well as the fdcpa.This company has been harassing me, has not provided documents i have requested and has not honored the cease and desist til any of the documents are provided.This company has violated my federally protected consumer rights and has been trying to extort me and my family. 
in violation of : 15 usc1692b, c, d, c, e, f, g, j,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to XXXX and TransUnion, as well as, XXXX  is also reporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Checking or savings account

I received a letter from wells fargo stating that they apoligize for any negative information that has impacted my credit report this has been going on for 7 to 8 years and the send me a letter saying sorry when i am part of the class action lawsuit where they are ordered to financially compensate everyone that is apart of it .I am in XXXX late in life and i cant get the financial help i am eligible for because of this i cant get a loan i cant even qualify for a credit card. i always assumed it was for a few hospital bills never checking to see well my eyes are open now and i am not willing to let anyone else destroy me. i only want tobe treated fairly and not like i am going to accept them ruining my credit and send me a sorry letter and thats enough no it is not enough it just not iam starting with you to try and resolve this matter in a timely order its already gone on way to long i deserve to move on from this yes slowly but surly my report is clearing and my score is riseing but do you think its right that iam paying for their mistakes it was not even a mistake them employees knew what they where doing i am being denied eligible assistance for education because some one somewhere wanted a bonus please assist me in putting a end to this as soon as possible i need to continue my education thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment XXXX you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$82.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

Affirm financed by XXXXXXXX XXXX  continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Clerk of Courts stated that they do not report bankruptcies to the credit agencies. Either this is a mistake, or this is a lie. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accord with the fair Credit reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can't furnish an account without my written instruction
Product: Mortgage

On XX/XX/XXXX we started the process of apply for a mortgage through US Bank with their Loan Officer, XXXX XXXX ( NMLS # XXXX ). During these first few emails it was clearly stated that I was a US Veteran and had even previously used the VA Loan. Due to the construction restraints in the Midwest ( Iowa ) and the fact that my Spouse and I were living overseas, our house was schedule to be completed around XXXX, XXXX. The months went on we finally moved back to Iowa the end of XX/XX/XXXX. We finalized our loan paperwork XX/XX/XXXX for a closing date of XX/XX/XXXX. On XX/XX/XXXX I started researching tax credit on our local counties website ( XXXX County, Iowa ) and discovered the Homestead and Military Exemption Credit. Along with this researching, I discovered the Iowa Finance Authorities website which detailed a " Military Homeowner Assistance Program '' Grant for {$5000.00}. The only requirements listed on their website stated you had to be a veteran, which I was, and which our Lender XXXX XXXX knew. She is also listed as a loan officer on their website. I reached out to her on that day, XX/XX/XXXX and asked about eligibility. She replied the same date stating we exceeded the purchase price and household incomes. I thought I would check with the IFA ( Iowa Finance Authority ) and emailed them that night, the XXXX of XXXX. I received a reply from the following morning on XX/XX/XXXX stating there were no income or purchase limits to qualify for the grant, eligibility is based on service dates ( which I would qualify for ). I sent the information to XXXX immediately. She responded back later that day stating she'd have to, " restructure your loan and submit the application to IFA. We'd probably be looking at about 30 days to get everything approved through IFA and your loan restructured. '' That seemed odd to me, so I emailed the IFA again right away and they said it takes on average 48 hours to approve, maybe a few days. My wife then emailed XXXX that night and asked what would be needed and stressed that {$5000.00} is a lot of money. On Friday XXXX responded with further details and what would be needed and eventually XXXX then said it could take a few weeks ( as opposed to 30 days before ). At this point our closing date is 4 business days away and XXXX is obviously not going to help us. We told her we could provide everything right away but if we had to change our closing date we couldn't delay. I've attached all email traffic with XXXX and the Iowa Finance Authority. XXXX has personally cost us a {$5000.00} grant that we could've used toward the closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

My family was traveling to XXXX, XXXX where the incident took place. My sons were enjoying the local nightlife when, in the early hours of the morning on XX/XX/2023 at XXXX  XXXX XXXX, my sons credit cards were stolen and used without their permission. They were in a satchel attached to their waist and they do not know how it happened. The amounts in question are below : XXXX  XXXX XXXX {$550.00} on my son XXXX 's card {$130.00} on my son XXXX 's card {$33.00} on my son XXXX 's card The credit card company itself was the one who alerted me, the account holder, to possible fraudulent activity when this happened, and they called me. I did not know what was going on at the time and may have said the purchases were okay initially because I assumed my sons were just purchasing things while they were out on vacation and we could not get a hold of each other due to the limited cellphone service while abroad. Once we spoke as a family and understood the situation some days later, we reported the fraud to Barclaycard and they conducted an investigation and found us responsible for a transaction we DID NOT AUTHORIZE OR EVEN KNOW ABOUT. 

I have made it crystal clear thru subsequent repeated conversations to Barclays Bank Fraud Investigations Unit that these purchases were made without our authorization or knowledge and this is plain fraud. 

They asked for a police report and I was not able to acquire one while there due to our travel schedule and also due to the fact that we did not immediately know what was going on. Once we left XXXX and the area, it was impossible to attain one as we do not speak XXXX  and XXXX police officers do not speak XXXX. Also, the long distance calling charges we would incur would probably equal the amount of the claim. If Barclays wants to facilitate a police report for us, we would be happy to report the incident. I am at the end of my rope. They have not responded to repeated requests to speak with the individual conducting our investigation and I am tired of them making this complicated and wasting my time. My sons also had their other credit cards, XXXX, used fraudulently, and those fraudulent transactions were refunded immediately with just a quick phone call and explanation of what transpired.
Product: Credit card or prepaid card

I had a XXXX XXXX credit card that I did not use very often. I notice that I owed around {$80.00} and as soon as I saw it was due I paid it 1 day late the full amount and paid off the card. I get a statement weeks later for {$31.00} in late fees which is ridiculous and a rip off. I called them to let them know I paid the card off and I do not want to pay a late fee for a payment I made a day late. They offered to deduct {$15.00} of it and I told them I did not want to pay any of it. Again, they told me that XXXX XXXX isn't offering any negotiations and the best they can do is deduct  {$15.00} of the {$31.00}. I told them again, I do not want to pay for air and I should not have to pay for this fee since XXXX  XXXX is no longer. They put me on hold for about 5- 10 minutes and hung up on me. I called back right away explained again, the situation and they stated they could not do anything about it. I asked about the {$15.00} deduction and now that doesn't exist. They told me that is not an option. I told them they are ripping me off and I refused to pay it. I received another statement for {$64.00} and again, I called them to discuss this, they put me hold and hung up. Meantime, they have been calling me 3-5 time per day for the  last two weeks and I am also complaining harassment over {$31.00} for nothing!!! Now {$64.00} in interest fees again for nothing!
Product: Credit reporting or other personal consumer reports

I recently check my XXXX XXXX and notice accounts that I have never applied for. These accounts were : 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

It has recently come to my attention, someone has stolen my identity and has used it to open a line of credit with a company called XXXXXXXX XXXX XXXX I don't know who this person in nor do I know how they got access to my personal report. I have tried to dispute this account multiple times but the company keeps verifying this account belongs to me which it doesn't. THIS ACCOUNT WAS OPENED DUE TO A FRAUDULENT APPLICATION UNDER MY NAME. The below referenced account is the fraudulently opened one. 
XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/2022.
Product: Credit card

On XX/XX/2016 PayPal credit opened an account in my name without my consent. A charge of {$190.00} was added to the account. It may have been opened it in an outright fraudulent manner ( as in the XXXX scandal ). Its also possible that it was done deceptively in the on-line " check-out '' or " pay with Pay Pal '' process of an on-line purchase. i.e., it was set-up where the purchaser would have had to " opt-out '' of opening a PayPal credit account in the course of submitting a payment. In any XXXX, I DID NOT wish to open a credit account with Pay Pal. More payments which I thought were being made using traditional " Pay Pal '' continued to charged instead with " Pay Pal Credit. '' {$180.00} was made on the account on XX/XX/2016. Other charges were made in XX/XX/XXXX, mainly several payments to XXXX. I received no bills or notification by mail or even by email until XX/XX/2016 when I was suddenly notified that I had an overdue balance which had accrued interest and a service charge of {$25.00}. When I was finally able to contact them via phone on I was told that the service charge would be credited to my account. It was not. Under duress and fearing for my credit rating, and to avoid the time and headache of a dispute, On XX/XX/2016 I paid the balance and the interest charges which totaled {$420.00}. I was told that the account ( which I had never opened ) was closed and that there was a zero balance. However I continue to receive notices of an outstanding balance and interest charges accruing.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Money transfer, virtual currency, or money service

The scammer met me on Social media XXXX and talked with me as friend for a while. He mentioned about his recent investment in XXXX and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a Coinbase account, I had never contacted Coinbase before, so he has my phone number and Email information, I assume he can guess my password or hack into my email cuz I setup easier. Then he ask me to download another fake platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group in order to steal the victims personal information from Coinbase Money or currency transfer. And I have couple transactions been sent to a digital wallet chain address without my permission. I try to file a claim from XXXX  XXXX and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very depressed and helpless. I believe that the big platform Coinbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank XXXX I trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBI/ XXXX XXXX law enforcement when I realized everything was scam! The scammer met me on Social media XXXX and talked with me as friend for a while. He mention about his recent investment in XXXX and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a Coinbase account. He asked me to download another platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group in order to steal the victims personal information from Coinbase Money or currency transfer ). And I have a number of couple transactions been sent to a digital wallet chain address with out my permission total XXXX. I try to file a claim from XXXX XXXX and XXXX and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very XXXX  and helpless. I believe that the big platform Coinbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank I trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBI/ FTC and the police who claim they do not handle it as there is nothing related to the 3rd party, all the account belongs to me, when I realized everything was scam! I am really sad about it. I have borrowed money from family and friends because I wanted to withdraw money. I have cash flow issue, I have no money. Such incident gave me huge pressure, almost destroyed my family. Please help to stop Coinbase or XXXX to allow scammer to steal peoples money online. I need to have my money back ASAP.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since XXXXXXXX XXXX Ive requested Proof of validation of all charged off / collection accounts listed on my credit report. 
Ive sent disputes and submitted challenges with the creditors and collection companies for the last 3-4 months to get a full scope of how things are being reporting on my report. 

Although Ive seen some success All the CRAs have responded to my validation request and confirmed all information was accurate and valid. When I asked for HOW my request was investigated I was met with zero response. 

According to Metro 2 compliance and FCRA, 15 U.S. Code 1681s2 - it requires that all data reported to CRA is accurate and complete. This includes information such as account balances, high limits, payment history, account status, last dates of activity and other identifying information. 

CRAs must remove inaccurate, incomplete, or unverifiable information within 30 days of notice. It has been 90+ days since Ive sent my first dispute letters and there is still inaccurate items being reported. Also once I notified them the information theyre reporting was incorrect they still reported it the following month, which is a violation of the FCRA 15 U.S. Code 1681s2 B Ive attached highlighted proof of the inaccuracies across the three CRA bureaus. That should be reporting the SAME accurate information. 

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

THIS WAS A SETTLEMENT THAT WAS NEVER REMOVED AS PROMISED ;
Product: Credit card or prepaid card

Someone opened a Capital One credit card under my name and charged { {$3400.00} } in  which I discovered within my credit reports. I do not have any credit card accounts with Capital One. I disputed it with the credit bureaus and also contacted capital one VARIOUS times informing them that I had file an identity theft report with the FTC. I have been disputing this with them since XX/XX/2018. This prompted capital one to finally respond to me stating that they don't feel that I suffered and identity theft and do not feel that the account was opened fraudulently therefore they would not take any action. They have repeatedly sent me the same verbatim notice and they have done nothing in the matter except ignore me.The credit bureaus have responded to me and they have issued a fraud alert and freeze on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX credit card was fraudulently opened in my name and appeared on my credit report. It was issued through XXXX XXXX XXXX I have never used XXXX. This is a case of fraud and police report is being filed today. Neither XXXX fraud department or XXXX XXXX have been of any help with this situation at all, and they both informed me that it was not their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX