23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX / XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Discover to initiate fraud complaint against " XXXX, XXXX '' on or about XX/XX/2020 after learning XXXX XXXX decided to close the business without fulfilling services to the hockey teams in the league. Specifically, in an email dated XX/XX/2020, XXXX, XXXX determined that I was owed a league credit of {$1700.00} for my team for unfulfilled games, then closed the league on XX/XX/2020, without providing restitution for the money owed to my players for these services. There are 10 credit card transactions that total {$1700.00} that Discover initially credited my account for in XXXX 2020. However, by XX/XX/2020, Discover reversed all these credits and resolved the disputes in the merchant 's favor, even though the merchant never delivered the services to my team. XXXX, XXXX committed fraud and embezzled my team 's money and Discover refuses to provide any consumer protection on this issue. In my final communication with Discover on this issue on XX/XX/2020, they stated, " the case will remain in the merchant 's favor until we receive documents showing the Discover Card has been promised a credit of the amount you are disputing, including the specific amounts and the carte number. Without that documentation, we are unable to proceed with your cases. '' On XX/XX/2020, I spoke with multiple other team captains that were taken advantage of by XXXX, XXXX, and they successfully were able to dispute their fraudulent charges from this situation with XXXX, so its frustrating that Discover will not also protect their customers.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had my complete credit file pulled and there were incorrect collections on my report. 
XXXX XXXXin account # XXXX XXXX XXXX account # XXXX in the amount of {$870.00} and another account from XXXX XXXX account # XXXX in the amount of {$4500.00}. I have spoken with each agency and was told it would be corrected however neither account belongs to me.I have no knowledge of these accounts and would like them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft and am disputing the following information appearing on my credit report/account statement, which I did not authorize. 
These transactions were made without my knowledge or consent, and I did not open any accounts associated with this information. 
Please immediately block this fraudulent activity on my credit report and investigate the matter further. 
I request that you remove all fraudulent information from my credit report and notify all creditors of this identity theft incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 card

I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of items I made on XXXX.XXXX.15 for the amount of {$73.00} from XXXX ( see attachment BofA statement ). I had already sent in all the information requested by BofA on XXXX.XXXX.15 ( see attachment pg XXXX ) but I have yet to hear from BofA. The items were refused and returned to the seller and the seller accepted return onXXXX/XXXX/2015 ( see attachment pgs.XXXX ). I could not accept the items and wanted to make a change in the purchase, but I could not contact the seller. Although all this information was sent to BofA, I still have not seen a reversal of the charges. I will be grateful if BofA issues me a refund as the itmes in question have be refused and returned.
Product: Credit reporting 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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed information contained in my consumer report compiled and published by Equifax. 
XXXX XXXX, XXXX XXXX XXXX XXXX MA, XXXX, ( XXXX ) XXXX. Equifax did an automated inquiry as noted in my free annual credit report file. The credit bureau willfully failed to conduct a reasonable investigation, instead 2 days later you reported you have confirmed that the debt exists. Assumption is not a valid reason under the FCRA to not investigate my dispute, they have no reasonable determination that my dispute was frivolous or irrelevant nor have they sent any information to validate the completeness or accuracy of the information contained in my consumer file. As per the FCRA the unwillingness to investigate is an intentional and negligent FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 consumer credit bureaus ( Equifax, XXXX, and XXXX ) on multiple occasions because of inaccurate information reporting on my reports. On XX/XX/2021 I sent a certified letter to each bureau asking them to remove the bankruptcy that they are reporting. They are in violation as they are showing different filings dates and incomplete names for the courts that they state the bankruptcy was filed in. Equifax even has the court listed as " Federal ''. 
My request went ignored and my reports did not have an " in dispute '' comment. I have also notified each of the 3 mentioned bureaus via a dispute on XXXX XXXX as a last attempt for them to remedy this.
Product: Mortgage

On XX/XX/XXXX, Ocwen Loan Servicing received a payment from XXXX XXXX XXXX XXXX ( of XXXX XXXX, MI ) of {$80.00}, XXXX, paying off my outstanding mortgage balance with them. I have an escrow account with Ocwen with a balance of {$980.00}. On XX/XX/XXXX, I contacted Ocwen about the distribution of my escrow account and inquired when I would received the funds. I was told by a customer service representative that I would have the funds within 18 calendar days, which would be on or about XX/XX/XXXX. After not receiving the funds, I contacted Ocwen on XX/XX/XXXX and asked for the whereabouts of my escrow refund. I was told that the " check was mailed on XX/XX/XXXX ''. As I explained that First Class Mail from Florida to Michigan does not take one week, I was then told to contact my local US Post Office, as there must be an issue with them. I was also told to " give it some more time '' and to not contact Ocwen until after XX/XX/XXXX. I did not wait and contacted them again on XX/XX/XXXX. I explained my previous calls to Ocwen and again was told that the check was mailed on XX/XX/XXXX and to " be patient ''. I was for the check to be cancelled and to overnight the payment to me. I was told that was not possible and that if I asked for the check to be cancelled, it may delay my refund by another month. 

It is my understanding that Ocwen has 30 days under Federal law to return my escrow funds to me. I has now been 31 days and I am still getting the runaround from Ocwen. I would like the CFPB to contact Ocwen on my behalf and request the release of my funds.
Product: Debt collection

I received a notice Transworld Systems on XX/XX/XXXX stating that they were trying to collect a debt for XXXX XXXX XXXX XXXX. I disputed the debt via US mail on XX/XX/XXXX but and called XXXX XXXX XXXX as well to verify what the actual charges were made up of and once I got clarification I went into the XXXX store on XX/XX/XXXX at XXXX where I was assisted by the Manager ( XXXX ) and made a payment in full for {$320.00} using my debit card and I was given a receipt. 
On XX/XX/XXXX, XXXX added a collection for {$320.00} for XXXX XXXX XXXX to my XXXX credit report and my score dropped XXXX points. I sent a dispute letter via US certified mail to Transworld disputing this debt and informed of the damages that they did to my credit as a result of false reporting and asked for the collection to be deleted and my credit points restored but never received any communication/response from Trans World. 
On XX/XX/XXXX, TransWorld added another collection for {$320.00} to my XXXX XXXX credit report and it dropped XXXX points. I called XXXX XXXX XXXX  and reported the issue but was told by a male staff on the phone that I had no balance on my account and to seek resolution from Transworld. 
On XX/XX/XXXX, Transworld added a collection for {$320.00} to my XXXX credit report further damaging my credit and leading to several denials for credit for both personal loans and credit card. This time I went back to the XXXX store and spoke to XXXX ( Store Manager ) directly, she called the customer service/billing department but was told there was nothing XXXX XXXX XXXX could do to resolve my issue/concerns as my account had a XXXX balance and they don't know why TransWorld would be trying to collect a debt that was already paid. 
Again on XX/XX/XXXX. TransWorld again added an unpaid collection for {$320.00} for XXXX XXXX XXXX to my XXXX  report and till this very day and continue to damage my credit. TRANSWORLD is so deceitful, unprofessional and have violated the fair credit reporting laws on multiple occasions and still continue to do so by falsely reporting on my credit report and trying to collect a debt that isn't owed and they need to pay restitution for damaging my credit. 
I disputed this debt with the credit bureau but they keep saying that Transworld systems keeps verifying the debt as actual debt. How can that be when XXXX XXXX XXXX were paid in full on XX/XX/XXXX.
Product: Credit card or prepaid card

Care Credit by Synchrony bank. 
I was charged interest on the amount I had already paid in full because the payment didn't get applied to the correct balance in spite of my talking to the customer service and making payment as advised.Two supervisors I spoke to couldn't understand the problem and I waited over 90 minute to get answers. Finally over the chat session, another representative helped me. I am now waiting to get the charges removed.
Product: Credit reporting or other personal consumer reports

I see that TRANSUNION has attempted to fix the issues I have complained about and I'm thankful. I received mail that I will have attached below from TRANSUNION in reference to my XXXX XXXX account that they're reporting. I still see my experiences with XXXX XXXX are still showing on the report such as monthly payment, balance, recent payment, original amount, etc. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to TRANSACTION or EXPERIENCES between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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. 

BanK XXXX XXXX CARD # XXXX, DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

The Credit bueau reported these accounts as verified. With no proof or validation records!!
Product: Money transfer, virtual currency, or money service

I was scammed through an internet scam on XX/XX/2024. I was told my computer had been hacked and I needed to transfer money out of my banking account to prevent the funds from being taken. A person misreresenting himself as an employee from my bank ( XXXX XXXX ) directed me to get a cashiers check for {$42000.00} from my bank and deposit into a Chase Bank Account set up by the FBI. Later that day after depositing the check I discovered that it was a scam. I reported this to my bank ( XXXX ) and Case Bank on XX/XX/2024. Subsequently my Bank requested return of the funds from Chase.however they have not complied. My bank has continued requests for return of the funds but after 2 months Case has not complied. I also reported this scam to the FBI and also my local State Police. The police have investigated and have been monitoring. I am requesting return of my funds from Case.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized credit inquiries made on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and potential aggravated identity theft under federal law ( 18 U.S.C. 1028A ).

Upon reviewing my credit report, I identified several credit inquiries initiated without my authorization or any permissible purpose as defined under FCRA. These inquiries have harmed my credit standing and have caused me significant distress. Furthermore, I suspect these unauthorized inquiries may be tied to identity theft. I have been unable to get these items removed from either credit bureau as they have verified to be accurate. I am unsure how they verified inquiries to be accurate if I have informed them that the information is due to fraud and not my approval.
Product: Credit card

The XXXX payment were completed with the business account. All XXXX payments were reversed as not account found. I called Wells Fargo customer service and the rep confirmed that account I provided is correct. I called my XXXX XXXX XXXXXXXX and they informed me that Wells Fargo never attempted to charge my account. 
I am sure that this is unlawful trick to get late fees and interest charges. 
I pay my credit cards only in full and only on time. 
This is exactly the same problem I reported last time. I have a XXXX XXXX XXXX and this action of the Wells Fargo is damaging my health.
Product: Debt collection

To whom it may concern, This collection agency repeatedly harassed me about payments on 3 medical accounts that were assigned with them. I did not have the money and explained to them. Their response was I dont care, you owe you pay every single supervisor and manager has been rude to me from day one. I finally went into more debt just to pay them off, before I paid them they said that they would do a complete removal from my credit report and that my score would go up. They lied to me. These accounts are still showing up on my credit as closed but not removed. The credit score has not changed because they are still listed as derogatory marks. Ive called them several time after to get them to delete from my report and they refuse to do so, they are rude to me and then hang up. They keep saying they dint tell me that they would delete according to their notes. I feel betrayed and violated by medical data services. Now Im in more debt because I borrowed the funds to pay them off thinking they would hold their end, but no they are still on my report. I have a newborn son and soon I will have to find us a place to live, I can not do that with this being on my report because its keeping my fico score lower than what I need to qualify. They need to hold their end of the agreement. I paid them {$3000.00}! And now Im in a bigger hole. PLEASE someone help me get these accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

XXXX Account Name - XXXXXXXX XXXX XXXX ( CLOSED ) - xxxxxxxx XXXX Experian Account Name - XXXXXXXX XXXX XXXX - XXXX XXXX Account Name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Experian is reporting that the account is PAID while XXXX is reporting the account as CLOSED. 

XXXX and Experian is reporting that the account was opened on XX/XX/XXXX while XXXX is reporting it being opened on XX/XX/XXXX. 

XXXX is reporting a high credit balance of {$7000.00} while XXXX and Experian are reporting {$8800.00}. 

XXXX and XXXX are reporting the status of the account as current while Experian is reporting the status as late 180 DAYS and XXXX. 

XXXX is reporting a last report date of XX/XX/XXXX, Experian is reporting a last date report of XX/XX/XXXX, and XXXX is reporting a last report date of XX/XX/XXXX. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. XXXX is reporting last date of activity as XX/XX/XXXX, Experian is reporting the last date of activity as XX/XX/XXXX and XXXX is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.
Product: Credit reporting or other personal consumer reports

Removal Of All Inquires Listed Below : XXXX XXXX XXXX  XXXX. XXXX, Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Transunion Decided to Remove 3 of the 4 Inquiries from FTC Report : XXXX
Product: Mortgage

I paid a payment on XX/XX/year>. 
The payment was NOT posted toward the balance due and was posted to a suspense account. 
I received a billing statement and a subsequent letter saying i was past due for a full payment when i was really only short {$280.00}. 
The letter also said that i was incurring interest charges on the late amount. 

Why wasn't my payment that was paid applied to my account balance? 
How can they charge interest on an amount due that has been paid. 
How can they post my payment to a suspense account and not toward the balance?
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, Experian, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of acoounts/inquiries that are still reporting on my Credit Reports : Inaccurate Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX