23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Credence Resource Management put an account into collections on my credit report. I dont recognize Credence as a company that I have a contractual relationship with. I wrote Credence Resource Management a letter asking for contractual proof that I owe them. Credence Resource Management responded with a letter stating they verified my account with the original creditor and said I owe the payment. I called Credence Resources Management and spoke with XXXX XXXX ( XXXX ) in reference to my claim. He informed me that the account was closed by the original collector in XX/XX/XXXX. I informed XXXX that the account is time barred and Id like him to remove account from my credit report. XXXX stated he couldnt remove account without permission from original debater. 
Had I not monitored my credit report I would not know that Credence Resources Management was out to collect a debt from me. Because they put this unconfirmed debt on my credit report, my score has decreased and it hurts my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report, called the Company ( XXXX ) to dispute, called XXXX in regards to this matter, and sent dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Collection agency : Receivables Performance Original Creditor : XXXX XXXX XXXX
Product: Mortgage

Lender provided a loan estimate consistent with its policy of matching competitive loan offers from other lenders. I accepted the lender 's offer conveyed pursuant to its estimate and application package. The lender arranged for an appraisal to occur and I met with the designated appraiser. The following day, the lender contacted me to inform me that its compliance group believed that the loan could not be made based on the amounts stated on the Loan Estimated provided, because it incorrectly calculated those fees. I note that there was no change in my status, creditworthiness, or the value of the property ( which was never actually verified because the appraisal was cancelled by the lender ).

The Lender then sent me a notice that it could not verify my credit. This was clearly a substituted reason rescinding its loan offer. My credit could easily have been verified, but the Lender chose not to do so, such that it would have a quasi-legitimate basis for rescinding its loan offer, despite the fact that its underlying miscalculation was true basis for its declining to make this loan.
Product: Credit card or prepaid card

merchant name, XXXX XXXX base out of XXXX, they sell financial instrument and offer forex trading currency. bitcoins, this merchant is not register in the usa, they are not allowed to offer any type of services to people residing in the usa nor citizen of the usa and not allowed to accept funds from usa financial institution. they have violated their regulation and defraud me and manipulating documents to scam me. at first I open an account to get electronic currency as they have promise, however they never render any services, they install a robo access for trading with out permission and they charge my bank card from TCF BANK without my authorization. I file a complaint and dispute those charges made unauthorized by the merchant to TCF BANK dispute department and send all evidence include email to cancel services, they have fail to understand the situation and the fraud by the merchant, TCF BANK fail to reevaluate the dispute, they just closed the dispute base on false documents and scam from the merchant, the total amount was taken from my bank card TCF was {$12000.00} plus bank fees of {$340.00}, I 'm asking to please help me to get the money back.
Product: Money transfer, virtual currency, or money service

I initiated a transaction from the XXXX to XXXX through Remitly, providing the necessary details, including the debit card number, full name of the receiver, and mistakenly selecting XXXX as the recipient bank instead of the correct bank, XXXX. Despite the money being deducted from my checking account and the Remitly XXXX app marking the transaction as successfully completed, the intended receiver did not receive the funds due to the error in the selected bank. 

Upon realizing the mistake, I promptly contacted Remitly to rectify the situation. They advised me to wait XXXX hours for a response from XXXX to reject the transaction and refund the amount. However, even after the designated waiting period, the issue persists. 

My subsequent communication with XXXX has been unsatisfactory. Their response conveyed regret for the error but failed to provide a resolution. The only document they presented as subjective evidence of a " successfully '' deposited transfer is a PDF file from XXXX XXXX XXXX XXXX. While this document indicates successful transfer, it lacks crucial information necessary for tracking the transaction using the XXXX de XXXX XXXX service. This omission raises concerns, as XXXX law mandates transparency in electronic transfers, and the provided document falls short of meeting these requirements. 

I am seeking a prompt and comprehensive resolution to this matter, including a refund of the erroneously sent funds. Additionally, I request Remitly to provide documentation that aligns with XXXX legal standards, ensuring transparency in electronic fund transfers.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for the unauthorized and unlawful use of my consumer credit report. Specifically, I discovered that the Office of the Attorney General of Texas had been accessing and reporting on my consumer credit report for months without permissible purpose. This unauthorized access persisted even after multiple disputes I filed with Experian. It was not until XX/XX/year> that these inquiries were removed, which indicates a failure on Experians part to take appropriate action promptly. 
Violation of FCRA and Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ), a consumer reporting agency is prohibited from providing consumer information unless there is a valid, permissible purpose. To the best of my knowledge, there was no valid reason for the Office of the Attorney General of Texas to access my consumer credit report, as I had no existing relationship or legal obligation that would justify such an action. Their persistent access to my report constitutes a clear violation of my consumer rights under the FCRA, specifically XXXX XXXX. XXXX and XXXX XXXX. XXXX, which provides for civil liability for willful noncompliance. 
Harm, Injury, and Loss As a result of Experians failure to act diligently in protecting my consumer file, I have suffered material harm, injury, and loss. The unauthorized reporting negatively impacted my financial standing, causing me to expend significant time and resources in resolving this issue. Moreover, the presence of unauthorized information in my credit report resulted in emotional distress and potential damage to my creditworthiness, which could have long-lasting effects on my ability to obtain credit or favorable financial terms. 
Remedy and Timeline I am providing Experian 15 business days from the date of this letter to issue the requested payment and to confirm that my consumer file reflects the correct name, free from unauthorized inquiries and information. Should you fail to comply with this demand within the stated timeline, I will pursue legal action, including but not limited to, filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and taking legal action under XXXX U.S.C. XXXX for willful violation of the FCRA, seeking additional statutory damages and attorneys fees. 
Conclusion Experian must ensure the accuracy and protection of my consumer credit report, and I expect swift action to address this serious matter. This letter serves as formal notice of your obligations and my demand for remedy. 
I look forward to your prompt and favorable response to this complaint.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent information on my credit report, I have requested validation and never received.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report that I didn't authorize. It appears my identity may have been compromised, as I did not approve these accounts. I've raised this issue previously and now urgently request that these accounts be promptly removed from my report. Their presence is causing significant stress as they do not accurately reflect my credit history or financial management. Dealing with this situation has been challenging. 

If we can not resolve this matter swiftly, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous entries are severely impacting my financial goals, such as purchasing a home and supporting my family. I sincerely hope for a prompt resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasn't made aware that I could opt out.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act SELF FINANCIAL/LEAD BA Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX, I emailed Chase ( at provided address : XXXXXXXXXXXX ) to request reopen the dispute claim ID # XXXX for the transaction done on XX/XX/XXXX. Then Id called in several times to follow up and I always got advice that my request had been processing and I would be contacted if any further information needed. Also, on XX/XX/XXXX, I got a letter which dated on XX/XX/XXXX, confirmed that my request had been processing and well contact you if we need more information to dispute the charges. ( Please see attachment for details ). 
However, on XX/XX/XXXX, I called in again because no-one contacted me and now I got advice from Supervisor named XXXX XXXX XXXX that the disputed claim had been closed because there were no supported documents and if I wished to re-open the above dispute claim, I could email the supported documents with the narrative to request for re-opening which I did on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I received the letter ( please see the attachment for details ), which dated on XX/XX/XXXX, stated the above dispute claim were denied with the reason : a significant amount of time has passed since the date of the charge. Despite our efforts, the merchant is not willing to credit your amount. The merchant is not required to credit your account because the charge took place too long ago. Then I called Chase Customer service, I got advice that the timeline allows for a transaction dispute is 3 billing cycles while the original transaction were on XX/XX/XXXX and my first requests for reopen the dispute claim were on XX/XX/XXXX, both were less than 60 days. Thus, the denial of crediting me {$6000.00} for the transaction on XX/XX/XXXX was not reasonable and not compliance with Chase dispute guideline. Even though I emailed Chase on XX/XX/XXXX to request for re-opening the above claim, but I also would like to send this letter to your department to ask for your attention because I want to make sure the request to be taken care properly and asking for expediting on the process of my request because I have been waiting for more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX  XXXX XXXX. Act # 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: Credit reporting or other personal consumer reports

There are accounts on my credit report involved in pending litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

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

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

15 US-CODE 16921 ADMINISTRAIVE ENFORC
EMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account XXXX XXXX XXXX Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


1. The following personal information is incorrect Account Number : NAME : XXXX XXXXXXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

in response to my dispute, LexisNexis failed to validate, authenticate, or certify the procedures utilized WITH ORIGINAL CREDITOR ( U.S. Bankruptcy Court District of Hawaii ) and did not identify the persons or sources contacted as required by FCRA regulations. According to 15 U.S.C. 1681i ( a ), consumer reporting agencies are obligated to conduct a reasonable reinvestigation to determine whether the disputed information is accurate, and must provide the consumer with the procedures used to determine the accuracy and completeness of the information. 

The Fair Credit Reporting Act ( FCRA ) mandates that upon receiving a dispute, LexisNexis must conduct a reinvestigation to determine the accuracy of the information and provide specific details about the sources and procedures used during this process. 

Given the lack of proper validation and the absence of a detailed report on your reinvestigation procedures, I am requesting the immediate deletion of the bankruptcy information from my LexisNexis file. Additionally, I demand that LexisNexis notify all consumer reporting agencies to which this erroneous bankruptcy information was furnished, ensuring they also delete this information from their files, as stipulated under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

I have attached the original complaint where i specifically asked for detailed verification methods. As well as a copy of the response lexisNexis mailed me regarding the dispute, and a Copy from the Bankruptcy court stating that they do no furnish, validate nor verify disputed information to Credit reporting agencies.
Product: Credit reporting or other personal consumer reports

This is my another complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

Please delete this account I sent my letter a month a ago untill now I never recieved any response. Please verified it now Please XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I made a mobile deposit with two, nearly identical, weekly payroll checks. They informed me the following day, one or both were counterfeit, and my account would be closed in two weeks without any investigation into the matter. I attempted to inform them my sister is my employer, and both checks were authentic, but they didnt seem to care. They cancelled one check, and are holding the other for two weeks. My sister issued me two replacement checks, but one can not be cleared until WF releases the other supposed bogus check. Ive bounced three checks because of this overreaction, and Ive nearly been evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX 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

Atlantic Recovery solutions called my mom and brother multiple times when they already contacted me which violates the fdcpa.
Product: Debt collection

Contract was cancelled due to the original creditor selling this debt to XXXX. I have no contract or no legally binding documents with my signature agreeing to this debt with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

it's fraud I didn't apply for credit cards or loans it was my XXXX  XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX  XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
Product: Credit reporting, credit repair services, or other personal consumer reports

I was currently looking into becoming a first time homebuyer and I notice some companies pulled my credit report unknowingly : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES ON MY CREDIT REPORT WAS NOT UNTHORIZE BY ME XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

Credit Card Bill was due on XXXX/XXXX/17. I called into the customer service on XXXX/XXXX/17 and paid the bill over the phone. ( Details of time, person spoke with, and confirmation number given, can be made available, if needed* ) Received bill due XXXX/XXXX/17 and noticed bill from prior month not paid, also included late and interest fees. I called back to customer service ( * ) on XXXX/XXXX/17, explained the prior month and stated I was willing to pay what I owe ( using my original given payment information, on XXXX/XXXX/17 ), not the late and or interest fees, since I paid this on my previous call ( on time ) and received a confirmation number in doing so. I was told I would hear back within 3-4 business days. I then received a letter on XXXX/XXXX/17 ( dated XXXX/XXXX/17, which is 5 business days since my last conversation with customer service on XXXX/XXXX/17, not 3-4 as I was told ), asking for information not pertaining to how my original phone payment was made ( XXXX/XXXX/17 ). 
Due to my work and travel schedule, I returned a call to customer service ( * ) on XXXX/XXXX/17 after receiving bill due XXXX/XXXX/17, balance still not paid, after 2 previous calls and additional late and interest fees. It was at this time where customer service noticed my previous calls, apologized for the error/s on their behalf, paid my bill in full and credited back all additional late, interest fees, etc. DO NOT UNDERSTAND WHY THIS WAS REPORTED ON MY CREDIT REPORT, SINCE IT WAS NO FAULT OF MINE, HOWEVER, I REQUEST THIS REPORT TO BE REMOVED FROM MY CREDIT REPORT, FOR IT IS HURTING MY OVERALL CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( s ) -XXXX XXXXI : {$3400.00} - XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.