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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS RESIDENT VERIFY Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS RESIDENT VERIFY Date of inquiry : XX/XX/2023 Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS RESIDENT VERIFY Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I applied for a rental advertisement, signed a lease agreement, and wire transferred the first month and security deposit to the scammer 's account. A few days later the scammer requested I send additional funds before sending the keys to the rental. I filed a police report and called my bank, Navy Federal Credit Union, but they claim because it was an ACH transfer there is nothing that can be done about it. I called the scammer 's bank, XXXX, who also claims nothing can be done.
Product: Mortgage

Hi and thanks for your time ... we recently refinanced in order to take advantage of the reduced FHA monthly MI premium and move from 5yr ARM ( originated with same lender about 12 months prior ) to a fixed product. The monthly savings are less than {$100.00} but the silver lining was ARM to Fixed. The day before closing I received the following e-mail : XXXXXXXX , Funds to close is $ XXXX escrow return is {$4400.00}. 
Sorry about the funds to close but the difference it is made up in the escrow return. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXOffice : XXXXTollFree : ( XXXX ) XXXX ext.XXXXFax : ( XXXX ) XXXXXXXXXXXXwww.usmortgage.com XXXX $ XXXX at closing to save less than {$100.00} per month is a lot but the promise of the escrow refund made it tolerable. 
A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference. 
We closed XXXX/XXXX/15 and I have been going back and forth with the lender to figure out what happened for the past month and every contact ends with let me look into it and I 'll get back to you ... then nothing until I reach out again. 

We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund. 

Do we have a legit complaint? 

Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian monitors my credit report for a monthly fee. I received a notice today from my XXXX XXXX  line of credit reducing my line of credit by XXXX due to XXXX/XXXX XXXX XXXX  reporting a mortgage loan on my credit file with Experian. I have provided Experian with numerous two separate police reports and letters disputing this account as Fraud. The account is updated and then shows up again when Experian has removed it due to fraud. Now whenever I try to dispute the item I am told to call in. When I call their fraud specialist and leave my number as told I am never called back. Whenever I try to dispute the item online I am denied saying that I have disputed the item before and Experian does not have to allow me to dispute it again. How is it I can not dispute a fraudulent item? I have called and called and called and each time I think I am to someone that can help me I am disconnected or not allowed to speak to anyone but I can leave a message? WHY AM I NOT ALLOWED TO DISPUTE A FRAUDULENT ITEM WHEN I HAVE PROVIDED TWO SEPARATE POLICE REPORTS TO EXPERIAN.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my XXXX XXXX  as published by your company. Following a XXXX denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Credit card

I made a {$740.00} purchase via PayPal that was then issued by XXXX Bank credit to XXXX for website development. The developer stole my money and didnt leave me with a working website. I sent several disputes via PayPal XXXX. Paypal credit stated they couldnt refund due to the no refund policy, yet PayPal they sent me dispute paperwork from XXXX. XXXX stated they returned the money back to my PayPal account but PayPal credit and PayPal is stating they havent received funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to verify this judgment and they sent back a letter stating it was verified with the courts. I then asked the courts if they verified information and they sent me a letter stating that they in fact DO NOT verify information. I sent this letter to all three bureaus and it was removed by XXXX and XXXX. I have also sent this letter to XXXX XXXX  and XXXX  and they also said they do not verify any information. I sent another letter to Transunion and all they sent back was verified. I have asked them how did they verify the bankruptcy and they have failed to sent me proof.
Product: Credit reporting or other personal consumer reports

Experian is reporting falsely a account that is included in a bankruptcy filed inXX/XX/2019 as negative showing the vehicle as repossessed and it was never repossessed they are also reporting 49 months negative payments and this is false i have contacted theXX/XX/XXXXXXXX XXXX XXXX XXXX ) and they confirmed that it is Experian reporting this negative information because it is not them and they also confirmed that XXXX and XXXX are reporting correctly but that Experian is not reporting correctly i have called Experian and they have not corrected this incorrect information which is hurting my consumer report
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX
Product: Money transfers

I submitted a Chase XXXX transaction to an individual. Unfortunately for some reason Chase routed the payment to the incorrect account that was not in the recipients name to XXXX, even though they had a Chase account and the associated phone number is with Chase. The payment was transmitted by Chase and accepted by XXXX. XXXX had that number associated with the wrong individual and accepted the remittance even though it was not in that person 's name and was not associated with the account. Chase is saying this is a " self-service '' tool. That is not a valid response ... a check is a self service tool. For example, if my XXXX was on check ( Aperio strategy ) but my LLC that is attached to XXXX Results, was not, Chase would and should refuse to cash that check. Even though the account numbers were correct and matched, the name did n't. The same happened here and the transaction should have been refused. I 've already contacted Chase and the recipient has contacted BofA and each are blaming the other ... to make matters worse, Chase is claiming 'because it 's a self-service tool they have no responsibility. As a courtesy they will try to recover the funds. '' They have not to date and i 'm contacting you, because i 'm sure i 'm not the only person this has happened to.
Product: Debt collection

I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the credit freeze to be removed from my file ASAP. I am about to buy a HOME and the bank can not access my credit profile. I have attached my ID and SS card to this complaint and address information. Please remove any and all blocks/freeze from my credit thank you
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXXXXXX XXXX TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

On XX/XX/2022 I spoke to a rep on the phone regarding my issue with the public record ( XXXX ) on my report and a social security number on my report that doesn't belong to me. Experian had social security XXXX and that's not my social. They claim to have updated it to the right one. I disputed the public record on XX/XX/2022 and the results came back verified on XX/XX/2022. Experian did not tell me who verified and/or how. They simply said it was verified. I called customer service and the rep stated that they don't need to tell me how it was verified. He also stated that I shouldn't believe what people tell me about how credit works. This employee violated my rights. 

There is laws that we must all go by and Experian has a history of violating peoples rights. It's in the data base and this can't be tolerated. 

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately.
Product: Credit card

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed listed int attached document.
Product: Debt collection

In XXXX of XXXX I received a debt collection letter from " Schlee & Stillman Law Office, LLC '', regarding a debt I supposedly owed a " XXXX XXXX XXXX ''. I immediately replied ( by certified mail ), requesting details of the debt, including copies of statements, amounts owed, prior collection efforts, etc. 

I received absolutely no response until yesterday ( XXXX XXXX, XXXX ), when I received what appears to be a copy of a Garnishment Summons, relating to a judgment apparently obtained in XX/XX/XXXX against someone with a similar name to my maiden name. 

I do not believe I owe this debt, but apparently this law firm is attempting to garnish my wages, and will not even respond to my attempts to contact them. I have attempted to call them, and get nothing but a recorded message about their firm being a debt collector - no human ever answers.
Product: Money transfer, virtual currency, or money service

I made a purchase from a fraudulent company, XXXX ( XXXX XXXX XXXX ), using Paypal on XX/XX/2020 in the amount of {$99.00}. XXXX also claims payment is for item " XXXX  XXXX Item 1 '' and uses a personal email address " XXXX '' for their paypal account . As soon as the order went through and I didn't receive email confirmation or the order, I emailed and called the seller immediately to no avail. I got a gut feeling being a fake website/ scam, I immediate on the same day of the transaction XX/XX/XXXX ( within couple of hours maximum ), logged a dispute with Paypal stating this to be scam. So they should stop processing the transaction, which they never did and proceeded without proper investigation to allow funds being transferred to the scammer. 

On the dispute with PayPal and XXXX provided a fake tracking number ( for a order to different address in the same destination city ). PayPal accepts this without investigation and closes the dispute. I notified PayPal, that I have video surveillance in my house and do not show any deliveries from XXXX  that day either. Again to no avail and no investigation. 

Paypal has been made aware of this company by many other people and still allows its account to sell and denies disputes or to return money. I have provided these to Paypal and they never investigated and closed that dispute either to no avail. 

XXXX XXXX XXXX # XXXX XXXX XXXX   Additionally, The XXXX  tracking shows delivery to someone else 's address within same city of an item of 10lbs weight. The item I purchase a basketball hoop weighs well over 120lbs as per description on XXXX, XXXX XXXX.. Paypal has done no investigation on its part and just closed the case without proper communication and investigation into this matter and also has not safeguarded buyer 's and has left them vulnerable to fraud/scam by still allowing these sites to operate on their platform. 

While talking to a customer rep at paypal he agreed that proper procedures need to be implemented and that I " will not lose a penny with Paypal '', but that has not been fruitful either. There's no buyer 's protection that paypal touts and is deceptive in its tactics. Their platform may be serving criminal money laundering activity and the do not perform proper KYC/EDD/CDD checks on their merchants. 

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion According to 15 USC 1681i XXXX XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b XXXX XXXX ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I disputed an acct on my credit report named FIN. XXXX sent me a response of validation. So I sent XXXX a request for the information pertaining to their method and chain of communication. But I also sent FIN a letter of validation because they are reporting an account on me that I receive no correspondence for. The letter I sent to FIN was returned to me undeliverable as addressed. How can that be? That's the address on my credit report for FIN. How did XXXX verify an account that is reporting an address not valid? My complaint is against XXXX and FIN for putting this on my credit report knowing its invalid therefore unverifiable. How am I supposed to request any information from FIN if I don't have a legit address?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # 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 a account without my written instructions
Product: Debt collection

In XXXX I cosigned a loan for a vehicle. In XXXX the owner of the vehicle filed a chapter XXXX bankruptcy and the car was repossessed. The creditor currently still has the loan showing past due on my credit and tells me I am not allowed to make payments or even pay the debt in full due to the bankruptcy. I was told by the creditor, capital one auto finance, that I need to just wait for the debt to fall off my credit report. It is currently preventing me from getting a mortgage. They will not give me anything in writing to give to the underwriters that they will not allow me to pay off this debt and they will not remove it from my credit. I spoke with capital one yesterday and about six months ago regarding this issue.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC :
Product: Debt collection

Resurgence capital is a fraudulent company. I want to get this off my credit. I will pay it but not them. I just want a different company or way to pay it.
Product: Consumer Loan

I purchased a car XX/XX/XXXX and the loan was through BMO Harris Bank. I had to take a Chapter XXXX Bankruptcy XX/XX/XXXX. However, I was allowed to keep my car and make the rest of the payments IN FULL to a court-appointed trustee. I paid over {$11000.00} in principal and over {$800.00} in interest ( documentation attached ) to the trustee, who in turn paid BMO Harris Bank. I have completed all paybacks on my bankruptcy and yet Harris Bank ca n't seem to locate my title. They also turned me in to all XXXX credit report agencies as having over {$8000.00} " charged off as bad debt '' which is absolutely not true ( see attached documents ). I have spent hours on the phone, hours writing letter, and hours waiting for return calls that never come.