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

I was not present at the dealership for the purchase of this vehicle. My information was given to the dealership by my brother who is an XXXX. I did not agree to be the main signer on this account, nor was I given any information on this matter. 
XXXX XXXX never sent any letters stating the account wasn't being taken care of, only a phone called years after when the account was closed with a letter for payoff. I was not notified of a payment being deferred either. 

XXXX has now claimed the account has just closed on my credit report. Which I haven't been in contact with them in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  CARD XXXX XXXX XXXX BANK XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX  FUNDING XXXX XXXX  XXXX XXXX XXXX  FINANCE XXXX XXXX CRED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the US Post Office informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. When I contacted XXXX and XXXXXXXX XXXX, both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, XXXX approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ). 

It's very good to know that a financial institution that bears the XXXX logo does not back their customers as the XXXX XXXX XXXX ensures. When your financial information is compromised without your knowing and funds are transferred via cash transfer services, the CUSTOMER should be the one at the forefront and provided with peace of mind that their TRUSTED financial institution will do the right thing and refund the STOLEN money back to their account. This has been going on OVER 1 DAMN YEAR and this XXXX bank continues to drag something out that could have been resolved in XX/XX/2022 when I spoke with the representative the first XXXX time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 deposited a XXXX check on XX/XX/2021! XXXX was made available. Before the remaining could be cleared my accoubt was places on hold then closed. I received an account summary details of what was left in the account XXXX. The check was not for me to deposit but my landlord. However ; its been 6 months with no details of when and where the funds are. The XXXX XXXX the sender of the check is requesting the funds back or a detailed document stating Keybank is still investigating and will return funds to sender. Keybank will mot cooperate with me to get this matter resolved. It is affecting my livelyhood and life.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report. 
The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity. 
Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information.

Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards. 
Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information. 
Written confirmation of the actions taken to address my requests as required under the FCRA. 
Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 

Company : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XX/XX/2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX {$350.00} 3 )  XXXX XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 )  XXXX XXXX XXXX {$140.00} 6 ) US Dept of Education {$3800.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX {$71.00} 11 ) XXXX XXXX
Product: Debt collection

I have disputed an account/collection XX/XX/XXXX online via XXXX ( verified this information with an XXXX representative ), in which is inaccurately reporting to my credit at this time. The current balance for this collection is reporting via my XXXX credit file. 
I would like to request this collection be removed from my report as I have no knowledge of this account. I have submitted a debt validation letter via mail XX/XX/XXXX to the creditor : Rent Recovery Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX I have not received correspondence or validation of the debt/collection. Attached are supporting documentation of my attempt of validate this debt. 
I am requesting this collection be removed from my XXXX credit file.
Product: Credit card or prepaid card

A charge of {$5200.00} made on  XXXX   XXXX   XXXX  on my  Capitol  credit card was being disputed. The transaction dept o f Capitol One  requested documents in order to reverse the charge. They initially did so. On  XXXX   XXXX ,   XXXX    Cap One  requested additional info as what I had submitted " had value ''. I was told by phone and also in writing that I needed a second opinion by someone in a similar field ( real estate as I was challenging a real estate program purchase called   XXXX   XXXX   by  XXXX  and  XXXX   XXXX   ) , and that the opinion had to EITHER state why they felt program was defective OR how the program did not match the invoice, contract, etc. I was later denied reversing the charge because I did not have the second opinion person address both conditions instead of  one of two conditions. I have written Capitol One  on  XXXX   XXXX  and received a standard letter, similar to ones I received in the past. The correspondence from them dated  XXXX   XXXX ,  XXXX   XXXX , and  XXXX  did NOT request both issues or conditions be met.When I called after receiving denial letter I was told about the both not or conditions and that it was too late to submit anyway since it was past the  XXXX   XXXX  deadline. I even told them on the phone that their correspondence did not reflect their basis for their final decision and that it was misleading to me and other individuals disputing charges thr ough Capitol One. If you desire I would be happy to furnish copies of these  letters to you, upon request.
Product: Credit card or prepaid card

The Amex Business Platinum card features a benefit that offers up to {$200.00} in cash back for purchases with XXXX between XXXX and XXXX and XXXX and XXXX. I made a purchase with dell.com on XX/XX/22. The purchase posted in three transactions of 2x {$64.00} and {$74.00} on XX/XX/22. As of XX/XX/22 I have not received my cash back from this transaction. When I spoke to customer service they informed me that since the card was now closed ( correct ) I was no longer due this credit. However, I disagree with this assessment. The card was open at the time of the transaction ( clearly, or said transaction would have been declined ) and therefore the transaction would have been governed by the terms in effect at the time, i.e. the benefit offering cash back. In the same way that I as the card holder am liable for charges even after the account is closed, I expect Amex to liable for credits and benefits from when the account was open after it was closed.
Product: Prepaid card

Received a Vanilla gift card {$50.00} as a gift. The card number is missing on the front of the card and the code on the back is scratched off the card. The card is useless since the card number is need for activation and balance update. Unfortunately, the customer service number is automated, so I am unable to speak to a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is attempting collect a debt from me that is not my responsibility. The account was opened fraudulently without my consent. I keep disputing the account on my credit report and Experian will not remove it from my report. XXXX and XXXX have removed the account from my report based on the fact it is not my account and it was opened without my consent however Experian will not remove the account.
Product: Money transfer, virtual currency, or money service

I sent XXXX USD to a person using Zelle. I called zelle and XXXX XXXX  while the transaction was still pending and before the funds became available and they told me that there nothing that they could do since the transaction was in process. All I wanted to do was cancel the transaction. 

This took place on XX/XX/XXXX.
Product: Mortgage

We have 2 mortgages on our home. The 2nd mortgage was discharged in a bankruptcy and according to the company it has been written off. We had damages to our property which was covered under our XXXX  XXXX XXXX XXXX They wrote the checks to our first, second mortgage company and to us. We forwarded the checks to Shellpointe Mortgage Servicing and without our knowledge or signature they deposited the checks. We are now left with no funds to repair our damages and the first mortgage company is saying we must repair the damage in 60 days. When we contact Shellpoint  they always say we can't find your account etc until you get the right person. Basically they have fraudulently taken the funds.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


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

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account XXXX there is some inaccurate information reporting XXXX 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. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX   XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Checking or savings account

I saw there was a lawsuit against Bank of America. I experienced many fees with them before I changed my bank to XXXX. I would like to be reimbursed for my inconveniences and troubles.
Product: Debt or credit management

I never signed a lease agreement with TradeWorld System INC/XXXX. They paid my debt off with an apartment that I had when I lived in GA. Now they are saying I own them money. They are a third party. I sent them a letter on XX/XX/year>. To there XXXX XXXX and I'm waiting for a response.
Product: Debt collection

I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as XXXX XXXX. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm writing to formally request the removal of certain accounts that are currently listed on my credit report. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), which gives me the right to request that debt collectors cease communication with me.

I am requesting that you remove the following collection accounts from my credit report XXXX Key 2 Recovery ( 3 accounts listed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are either inaccurate, not verified, or are negatively impacting my credit without proper validation. I am requesting that these accounts be deleted from my credit report immediately. 

Additionally, I have two closed accounts that were paid in full but still show a negative status : XXXX XXXX Since these accounts have been settled and are no longer active, I am asking that the negative status be updated to reflect " Paid in Full '' or " Closed Paid as Agreed '', or be removed entirely if accurate reporting can not be confirmed. 

Please consider this a formal dispute of the accuracy and validity of these accounts. If you can not provide verification, I am requesting deletion of the accounts in accordance with my rights under the FCRA ( Fair Credit Reporting Act ) and the FDCPA. 

I expect confirmation that these accounts have been removed or corrected within 30 days, as required by law. Thank you for your attention to this matter. 

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

XXXX, XXXX, and experian is reporting time barred debt 4 yrs ,8 yrs, to 13 years past the statute of limitations for credit reporting, state tax liens, judgements, public records on my credit report, voluntary repossessions over 8 yrs old, and reporting credit card payments late, even after I provided a letter of evidence to them from the credit card company that my payments were on time, and account is in good standing instead of having 6 months late payments on my history, they are re inserting debt on my credit without any legal notice, the accounts for XXXX XXXX XXXX were disputed in the past and then removed by 4he bureaus and XXXX XXXX, XXXX XXXX  sold the 2 debts to XXXX XXXX, XXXX XXXX re-inserted the debt without any 5 day legal notice, or warning, and I have no legal binding contract or debt with them it is not mine, tby law they have to remove it for good, the creditors, and credit bureau were being deceptive, and they refuse to remove them, I have had numerous problems with this company, I have even requested 3 years worth of phone records, they are willfully, and negligently violating the fair credit reporting act by remaining to keep these items on my credit report even after evidence has been forwarded by complaint to them from the consumer financial protection bureau,. The credit bureau claims over video recording that they will remove the judgements, and state tax liens, and correct any I formation on my credit report that doesn't belong on there, Still nothing is done, they are walking all over my credit, and laughing about it, I guess they think that I am a consumer who will not do anything, but file complaint after complaint. This time I am requesting the consumer financial bureau instruct the credit bureaus that I will be hiring an consumer protection lawyer to file a law suit against transunion, equifax, and experian for their deceptive willful negligent practices.