23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX MONTEREY COLLECTION SV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Sir/Madam , I am writing to formally dispute the accuracy of information contained in my credit report. Please investigate the following item : - Account Number : XXXX - Creditor Name : XXXXONTEREY COLLECTION SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX - Type of Account : Credit - Date of Account Opening : XX/XX/XXXX - Description of Inaccuracy : Incorrect balance, late payments reported and address is inaccurately As per the Fair Credit Reporting Act ( FCRA ), and specifically under XXXX5 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from reporting inaccurate or misleading information. I am exercising my rights under these statutes to request that you investigate this matter promptly and correct or remove the inaccurate information from my credit report.

According to 15 USC 1692c, debt collectors must also cease communication with consumers upon written request if the consumer is represented by an attorney with regard to the debt. Please ensure that all communications regarding this disputed item comply with these legal requirements. 

Please provide me with a written confirmation of the actions taken once your investigation is complete. You can reach me at the address listed above or by phone at [ Your Phone Number ] if you require any further information. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Years back I had a wells Fargo account I haven't used in years. Just in XXXX or maybe even XXXX they sent a check for XXXX $ showing me with 3 different accounts I believe those were closed out at that time. But the actual letter is sitting at XXXX police department these scammers and thieves are forging signatures deposits of of money in different accounts from what unknown sources idk. I've contacted the XXXX XXXX FBI. XXXX XXXX XXXX of the XXXX XXXX sheriff 's office. Possibly XXXX XXXX my XXXX location had shown up in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc I need help as I said before there may be even a possible murder suspect on the run hiding under my information all of this I've filed with the local police department etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYears back I had a wells Fargo account I haven't used in years. Just in XXXX or maybe even XXXX they sent a check for XXXX $ showing me with 3 different accounts I believe those were closed out at that time. But the actual letter is sitting at XXXX police department these scammers and thieves are forging signatures deposits of of money in different accounts from what unknown sources idk. I've contacted the XXXX XXXX FBI. XXXX XXXX XXXX of the XXXX XXXX sheriff 's office. Possibly human trafficking my XXXX location had shown up in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc I need help as I said before there may be even a possible murder suspect on the run hiding under my information all of this I've filed with the local police department etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are using apps such as web watchers to get into people 's personal information I've never seen this app or used it. That email was XXXXXXXX XXXX XXXXXXXX. They also used XXXX XXXX and many more these are forged documents that went into XXXX XXXX courthouse
Product: Credit reporting

My credit report is showing a public record XXXX. However, I am unaware of this record dated for XX/XX/2014 and Equifax is not reporting the source of their information on this judgment. All of which is a violation of the FCRA.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfers

Xoom Corporation advertises and says that money remittance to XXXX Banks will be done within 4 hours during XXXX Banking hours, because of this feature whenever I need to send money immediately I use XXXX hence on XX/XX/2016 XXXX PST I had sent some money to XXXX and the transaction number is XXXX after few minutes I saw the transaction status got changed to delayed and there was no mention why the delay and then I contacted customer care and they said they have some problem with their XXXX Banking partner and its delayed for 3 days, then I asked them to cancel so that I can send money with other remittance providers but they said we can not cancel since the partner had already processed and I had to wait for 3 days but still the transaction was not processed and had to call several times to cancel the transaction. I was supposed to give money to someone in XXXX hence I used xoom to send instantly because of xoom irresponsible and pathetic service I had incurred a loss of XXXX and no proper notification and false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a letter XX/XX/2020 asking Synchrony Bank to remove late payments posted on my Paypal credit account account for the following months : XX/XX/XXXX and XX/XX/2020. I was affected by Covid-19 and where unable to make on time payments, due to the lack of flying. I have been current since XX/XX/2020 and ask that these late payments be removed.
Product: Credit card

I purchased a car from a private party on XXXX. I paid {$2500.00} ( XXXX/XXXX/2016 ) for the car and {$640.00} to have the car shipped to XXXX, WI. Immediately upon delivery ( XXXX/XXXX/2016 ) receipt the car had numerous issue like non-start, no power, odometer rolled back, leaking fluids. The car was advertised as 'runs and drives great ' with original miles. 
I immediately ( XXXX/XXXX/2016 ) filed a return request through XXXX with the terms that the seller would pick up the car or if he no longer wanted it then it could be scrapped. The seller agreed. 
I notified my credit card company and they removed the XXXX charge. Now, more than 2 months later I receive a letter stating paypal/ebay is refuting the chargeback even though the XXXX seller agreed to the return terms. XXXX has evidence on their system the seller agreed to the terms of the return, yet 'XXXX ' from XXXX ( XXXX ) erroneously completed the chargeback form stating they had no proof the seller agrees to the return! They have all this information in their records including the seller accepting the terms of the return and refund. 
The letter I received requires a 'second opinion on company letterhead from another merchant in the same field ' which is impossible. This was a private party sale, not a purchase made at a business. XXXX knows I can not fulfill this requirement since it was not a merchant sale, it was a private party sale. Therefore the dispute will not go in my favor and my card will be charged for the damaged merchandise even though the seller ( who used paypal for the transaction ) has agreed to the terms of the return/refund. 
I 've contacted my credit card company but they have offered not much more than empathy. I 've done everything I can I my end, I need some assistance to get the refund I was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, XXXX, I became a member through Experian to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " XXXX '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XXXX/XXXX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.
Product: Debt collection

This company has yet to bill our insurance but has now sent a collection agency after my wife. 

On XXXX XX/XX/XXXX, my wife went into XXXX  XXXX  and had a XXXX  with XXXX XXXX. XXXX XXXX XXXX in XXXX, Maryland ( XXXX ) did not send us any statements until XXXX XX/XX/XXXX. The statement amount was {$4200.00}, and listed our insurance provider as XXXX XXXX XXXX XXXX XXXX XXXX, which is correct. On XXXX XXXX, shortly after receiving the statement in the mail, my wife called in order to have the bill sent to our insurance provider. The billing clerk said they would send the bill. The insurance provider did not ever receive a bill from XXXX , so this is not an issue of improper coding. We again received a bill on XXXX XXXX, again my wife called XXXX , who said they will send it, and again we confirmed with our insurance provider that they have not received a bill, statement, or notice from XXXX. 

XXXX has now sent our bill to Financial Corporation of America , a collections firm for the full amount. To our understanding, XXXX has yet to file with the insurance provider. Since this procedure, my wife had another routine anesthetic procedure on XXXX XXXX. The XXXX XXXX University Department XXXX  XXXX  managed to bill our insurance provider and in less than two weeks the bill was settled. At best this is a situation about incompetence, of a clerk who simply can not handle a simple task like sending a claim to an insurance agency. At worst, this is a case of malfeasance, whereby the company is taking a chance by harassing a customer to receive a greater payout than they would through insurance. I can only hope it is the former and not the latter. 

To be clear, XXXX XXXX XXXX XXXX XXXX XXXX is a XXXX  insurance plan. I am a XXXX  XXXX  and my wife is my dependent. I do not believe they are at fault. They cant process what they have not received. It is after hours, but tomorrow my wife will again call XXXX and XXXX  to attempt to resolve this issue. To XXXX, please feel free to contact me so I can provide my wife with a better number than your billing department, as this appears to be beyond their skillset.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX XXXX and noticed that there were inaccurate accounts and unauthorized inquiries on my credit report. 

Inquiries : XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of inquiry : XX/XX/XXXX Accounts : XXXX XXXX XXXX IN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " Transunion LLC '' and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original applications bearing my signatures and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.
Product: Debt collection

In XXXX i received a debt collection letter from national credit systems for a lease at XXXX XXXX XXXX XXXX XXXX. I have never lived at this apartments and subsequently after receiving the letter i filed a dispute directly with the collection agency online and the debt was added to my credit report anyway. Despite me providing the housing agreement i had already entered into with my university for on campus housing, my check in and check out dates, and the official email from my colleges XXXX department where they locked my account due to it being compromised they have refused to remove the collection from my credit report. Subsequently i disputed the debt directly with the credit bureaus in which seemingly nothing was done, and all it says was updated but nothing was changed. Due to the evidence i have provided and the fact there is XXXX proof I have ever stepped foot into that apartment I would like the XXXX, XXXX and experian to remove the collection for {$6800.00} from my credit report and for national credit systems to cease all collection efforts.
Product: Credit card

On XX/XX/year> I wanted to make up for some presents that XXXX had messed up for XXXX. After finding the software I was looking for I attempted to purchase the item but my card kept getting declined not knowing why. 
I called the Best Buy number located on back of the card and spoke to a rep explain what was going on. Rep claimed that they send a notice on the XXXX XXXX explaining the reason on why my card was closed. 

Now I have been trying my best to work on my credit and have been doing well with the exception of one card XXXX because of miscommunication I had a late payment However, I always made sure I was up to date with Best Buy. In fact when they closed my account my available credit was {$500.00} or XXXX XXXX with a XXXX balance and never had any issues. But what gets me very upset is the fact that I believe the closure was unfair and unethical by not providing a fair notice. 
I found it strange that they would send a letter on XXXX XXXX and expect to receive it durning the holidays especially news years but that's besides the point just saying something don't add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's security is such that anyone with my personal information can create an account, even if an account already exists. They can replace the email on the account and freeze or unfreeze my credit. Details can be found here : https : XXXX Yesterday, someone tried to open a credit card in my name at a XXXX, which uses Experian to gather credit reports. I immediately called their fraud hotline, and thankfully the card was flagged before the thief could use it. They told me to freeze my credit, which I did through all three Beauraus. 

Today I received an email that the email associated with my account changed. Lo and behold, I could no longer log in with my username and password. The sign in page has a feature where you can find the email associated with an SSN. Using this feature, I was able to see the first two characters of the new email address, which I did not recognize. I can only assume that my account was hacked. 

Experian wants you to pay for a service to monitor changes to your account more closely. This is a racket- I am simply not paying to remedy a problem they created. Given that there was a recent security breach from Experian, it's likely that my SSN and personal info was obtained that way. If so, they are doubly at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Common Wealth Financial XXXX XXXX Re : Acct # To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered on XX/XX/XXXX that the item has been reinserted on my credit report. Look at the dates of the photos how my credit was perfect. Common Wealth Financial posted a bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice  to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX and XXXX and Transunion regarding errant accounts with many inaccuracies on my credit report many times asking them to investigate these accounts to make sure they are Verified and Accurate, each time they come back as Verified as Accurate, However I keep seeing many inaccuracies and mistakes which is not allowed by FRCA. I have also attached just some of the investigation results as there is too many. No matter how I try to resolve these inaccuracies these accounts still appear, which I have now learned is a direct violation of my rights. 

These several accounts are Highly Incorrect and Errant and these accounts were verified as accurate after many investigations ( unlawful ). 

However, I have a few questions for the bureaus : How did these bureaus complete their investigation? 
Did they talk to my neighbors, friends, family, etc as per law in the FCRA? If so, please inform me of the person who completed this investigation and a FULL description of the investigation within 15days or less. One more thing, I was reading the FCRA and noticed they violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and the Time to correct these accounts has long passed. Please see attached Credit Reports as reference of all the inaccuracies which is NOT allowed by FCRA, my report must be 100 % accurate. The inaccurate accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after their investigations. 

I have also attached proof of all my certified mailings to the credit bureaus, not including the mailings to each creditor. I have also notified my state attorney general of the wrong doing to my person. 

Please have them Delete all the above states accounts right away, and keep them from coming back in my credit report.
Product: Debt or credit management

The customer service person was rude and was condescending and I told her twice I was unemployed and had no income, but she then said if you aid your stuff off like you were supposed to, we would not be in this situation.
Product: Debt collection

Asked to not be called. They said they do not have to comply. The debt in question was identity theft.
Product: Debt collection

First call was at XXXX in XX/XX/XXXX.A XXXX  XXXX is calling me regarding putting a court ordered lien on all my bank accounts. I was told I owed a debt from XXXX and a judge had ordered a lien on my bank. He provided a docket number from a county I lived in at the time. I asked for correspondence regarding the legitimacy of the debt. He got loud and ordered me to talk to the court where the judgement was ordered. I again asked him to provide the proof as I am unaware of any judgements on me and nothing has been sent to me, nor do I recognize the debt. He gave an address to a place where a family member once lived at the time. On the night of XX/XX/XXXX I advised him I talked to the MA State Attorney Generals office and they advised me to again request documentation be sent out. He then told me hed email me the court decision to me. On the first night he stated the lien would be for {$3500.00} all said and done. On the second night he stated the lien was going to be {$7500.00}. I told him I need to know the legitimacy of the actual debt being mine and that way I could have a lawyer look at it and tell me if it was in fact not a scam and then Id settle anything that is in fact mine. He started yelling and talking over me. I asked what company he represented and he stated he works for Norfolk Financial thru the law office of XXXX XXXX in the XXXX Ma area. I called the low office of XXXX XXXX and they claim to have never heard of XXXX XXXX who claims to be a lawyer sometimes and then a paralegal the next. He then tells me he can have the Norfolk Finacial call me since they are right across the hall. I asked for a number and he provided XXXX and his number is XXXX. I asked for the toll free number and he stated they no longer have a public number. I decided to hang up at this point telling him hes not providing me the proper documentation to prove I owe the debt and two he cant prove he has the right to settle the debt.