23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I received a letter from a collection agency XXXX XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : Paypal Inc., regarding an amount owed of {$80.00}. As the only account I have ever had with PayPal was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. 

I contacted PayPal Credit and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at PayPal, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. 

In XX/XX/XXXX, I received a second collections letter, but this time from a XXXXXXXX XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or PayPal credit even though I was told someone would contact me. 

I assumed the issue was resolved until I received another letter from XXXX dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from PayPal indicating no change to collections balance. I was transferred to PayPal credit who could no longer locate the account to investigate further. payPal then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with PayPal initially. At this point PayPal gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. 

Note that between XXXX when this account was created to XXXX I never received any communication from PayPal via phone, e-mail or mail indicating that I had an outstanding account. 

I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by PayPal would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother  helping figure out how to resolve this issue.
Product: Checking or savings account

XXXX. In XX/XX/ I notice that someone had done several withdrawals from my checking account funds were missing I call to make a compliant spoke to XXXX from chase bank in XXXX then received a letter that no errors had occurred I request that my funds be restored ... thank you. Date XXXX ... XXXX XXXX XXXX
Product: Checking or savings account

I opened a new account with Wells Fargo Bank to receive direct deposits from my employer ( XXXX XXXX ). Shortly after the account was opened, there was some fraudulent activity. Someone attempted to deposit a fraudulent check in the amount of {$2400.00} on X/X/17 made payable to me. A hold was placed on the availability of funds and there was no loss to the bank but I was charged a fee for the returned item. On X/X/17, Wells Fargo cashed a check in the amount of {$5000.00} drawn on another Wells Fargo customer and made payable to someone other than me, but charged my account on X/XX/17 with a {$5000.00} debit when it was determined that the check was forged. The signature on the back of the check was altered and does not match my signature. There is also nothing on the check to indicate that identification was obtained on the individual who cashed the check. When my payroll check was deposited, Wells Fargo offset the funds credited against the overdrawn account. I completed an Affidavit of Forgery on X/XX/17 to state that I had no knowledge of the fraudulent check or the individual cashing the check but my claim was denied. I also explained that my personal information had recently been compromised via an on-line job website. The Fraud Department states ( per letter dated XXXX XXXX 2017 ) that I was identified on camera, my signature matches the signature on the check and my identification was obtained. However, my name was misspelled by the individual ( s ) signing both checks ( {$2400.00} and {$5000.00} ). More importantly, I was at work on the day that the check was cashed, from XXXX XXXX until XXXX XXXX, with an hour for lunch starting at XXXX XXXX. I filed a police report and per the police investigation ( XXXX Police Department - Case # XXXX ), Wells Fargo failed to provide video surveillance stating that no video of the incident existed. This contradicts the reasons stated for denying my claim of fraud. The investigator also stated that the identification obtained by the bank belonged to the male individual who the check was made payable to and I am a female. The investigator also stated that the check was cashed around XXXX XXXX on  X/X/2017, while I was at work. I have requested that the investigation at Wells Fargo be reopened and re-evaluated, but the fraud department refuses to  review the information that disputes their findings. They failed to follow Know Your Customer procedures and they failed to protect me as a consumer. The check was drawn on their bank and they should have been able to verify the signature of the account holder prior to cashing the check. I barely had {$40.00} in my account and there was no way that a new account customer should have been allowed to cash a {$5000.00} check with an altered signature. No security measures were taken to prevent the fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing.

I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals.

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.

Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation.

Documentation highlighting my responsible financial behavior and positive credit history.

Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security.

I formally request an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

We have had an auto loan with Citizens One since XX/XX/XXXX We have paid every month since that date, with the latest payment XX/XX/XXXX. Customer service states that our account is current. We had to file for bankruptcy due to medical bills and the date of our discharge is XX/XX/XXXX. We signed a reaffirmation agreement with Citizens on XX/XX/XXXX. However on our credit report, Citizens shows our account as closed and that our payments stopped in XX/XX/XXXX, which is completely inaccurate and needs to be corrected. I have called their bankruptcy department XX/XX/XXXXand spoke to XXXX  who said he needed the order of discharge faxed. We did that, still no change to our report. I called and spoke to XXXX on XX/XX/XXXX and he lied and said that our bankruptcy was not even closed, so they can't change the record. They are not interested in accurately reporting any of our payments, but they certainly do not have a problem with taking the money each month. We have a signed reaffirmation agreement and have never missed a payment and our credit report should show these payments.
Product: Debt collection

I XXXX XXXX had a Barclay credit card and I fell back in XX/XX/2016 and broke my XXXX and I was out of work for a long period of time and I am now getting SSA from the government / social security and I have a company that is taking me to court for this debt. they threaten to make me pay XXXX that I do not believe I owe and I now have court paper were they are taking me to court.
Product: Mortgage

Unlawful debt collection : Trustee sale is void Plaintiff : XXXX XXXX doing business as XXXX XXXX XXXX, AN UNMARRIED MAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX , personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX recorded an unlawful Substitution of Trustee in the XXXX XXXX County Recorder intstrument # XXXX for an unlawful debt that was past the statute of limitations in California ( 5 years ) as of XX/XX/XXXX. The last payment became overdue on XX/XX/XXXX. The first Notice of Default accelerated the funds which all became due recorded on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX on the same day recorded an unlawful Notice of Default instrument # XXXX Disregarded the 30 day period and disregarded the strict policy whereby this 3 'd party debt collector must attempt to contact homeowner. 
XX/XX/XXXX XXXX XXXX XXXX records Notice of Trustee Sale instrument # XXXX XX/XX/XXXX Defendant receives Affidavit of Fraud and Notice of Rescission of Signature, with Revocation of Deed of Trust and Revocation of Powers of Attorney XX/XX/XXXX XXXX XXXX XXXX sells Plaintiff 's property to XXXX XXXX XXXX XXXX XXXX XXXX where XXXX XXXX participated in an unlawful auction that took place after XXXX XXXX, wherein the signature had been rescinded from the deed of trust so it was void. You can not give somebody something you do not have. 
On the date when the transaction took place, XXXX XXXX XXXX XXXX was NOT REGISTERED TO DO BUSINESS IN THE STATE OF CALIFORNIA XXXX XXXX had the ability to know, so therefore he did know that the signature had been rescinded so he is complicit in an act of fraud and conversion and XXXX XX/XX/XXXX XXXX XXXX records a void Trustee 's Deed instrument # XXXX XX/XX/XXXX XXXX XXXX files XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX and XXXX Plaintiff sent verified written communications more than six occasions with proof of service asking defendants for 1 ) a copy of the book-entries so the Plaintiff could make sure that the one who funded the loan is the one who gets paid back, and 2 ) proof that the so-called beneficiary was in possession of the original note and received no response. 
Defendants received the Affidavit of Fraud and did not rebut it at all, whatsoever. 
They also received a Notice of Default with Opportunity to Cure with no regard. 
The sale is void because a ) the signature was rescinded as no TILA was given, b ) an unlawful auction took place after business hours, and c ) no consideration was given to fund the so-called loan in the first place. Deed of Trust is void. Plaintiff does not believe that any evidence to the contrary exists. 
In California, these predators make millions of dollars because of the non-judicial " scheme '' which means there is no tolerance for those who use an unlawful process.
Product: Credit reporting or other personal consumer reports

i have asked XXXX XXXX XXXX  to validate the debt and have recieved no response.this is not me and has injured me .i am a divine being.i sent certified mail XX/XX/XXXX and have not received any response
Product: Credit reporting or other personal consumer reports

Re : Request for Damages pursuant Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information with ACCOUNT ( XXXX ) Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 
Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n- 1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations. 
I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already attempted to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed. 
I expect you to remove the disputed information immediately, provide proof of its deletion, and send the {$1000.00} payment to my mailing address listed above. This must be completed no later than fourteen ( 14 ) days from the date of this letter. Failure to comply within this timeframe will result in my referral of this matter to a consumer attorney to evaluate potential legal action in federal court. Receipt of the deletion confirmation and payment will constitute a full settlement and release of my claims. 
. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your immediate intervention in addressing a critical issue concerning fraudulent items on my credit report, despite multiple unsuccessful attempts to rectify the situation. The gravity of this matter requires prompt action to safeguard my financial standing and protect against further damage. Despite submitting disputes, the fraudulent items on my credit report persist, causing significant distress and compromising my ability to make informed financial decisions. Attached to this letter, you will find supporting documentation, such as police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate an expedited resolution. I am well aware of the Fair Credit Reporting Act ( FCRA ) requirements for prompt investigations and removal. I request that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items and that necessary steps are taken to expedite their removal. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX  XXXX **** Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2023 .
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Inaccurate accounts appeared on my credit report this evening, and I have no idea why. I reviewed my credit report as I normally do, but there were unexpected discrepancies. Refreshing my browser didn't fix the problem ; the errors remained. Consequently, I request a thorough check of the documents I've sent to ensure this issue is resolved once and for all.
Product: Student loan

FedLoan Servicing has been providing me with regular monthly statements of {$190.00} for the past 5 months. Before that the amounts fluctuated and FedLoan could not or would not coherently describe why. I have paid $ XXXX/month to pay down the loans and have received subsequent bills stating " You have previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XX/XX/XXXXfor {$190.00}. '' This month I received a statement this this exact wording dated XX/XX/XXXX. On the same day I received a delinquency notice dated XX/XX/XXXX. I called FedLoan Servicing for an explanation as to the obvious discrepancy in the two letters dated a single day apart and was told my actual amount due each month was {$1400.00}. This does not appear on any statement and has not been made known to me. The service person claims that emails had been sent, however they confirmed I am set up for paper billing and I have not seen these supposed emails. The service person did not have an explanation for the lack of paper correspondence related to the $ XXXX/month amount due. Please help me to get this matter resolved so I do not default on a loan I have, by all correspondence that has been provided in my confirmed method, been paying beyond the due amount. Furthermore, of the loans listed on the delinquency notice 5 were  supposedly dispersed during my time as an XXXX and during that time I had taken out loans from XXXX XXXX XXXX not FedLoan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to adequately investigate my dispute and their issuance of a stall letter in response to my legitimate concerns about certain accounts and inquiries listed on my credit report. 

On XX/XX/XXXX, I submitted a dispute to TransUnion regarding several accounts and inquiries appearing on my credit report that I believe are inaccurate. These discrepancies include. I provided detailed explanations and Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And supporting documentation to substantiate my claims and requested a thorough investigation into these matters. 

However, instead of conducting a proper investigation into my dispute, TransUnion sent me a stall letter dated XX/XX/XXXX, which merely acknowledged receipt of my dispute without providing any meaningful resolution or explanation. This stall letter failed to address the specific issues raised in my dispute and did not offer any timeline for completion of the investigation. 

TransUnion 's failure to investigate my dispute in a timely and thorough manner has caused me significant distress and frustration. As a consumer, I have the right to accurate and up-to-date credit information, and TransUnion 's refusal to XXXX my concerns violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby request that the Consumer Financial Protection Bureau intervene in this matter and compel TransUnion to conduct a proper investigation into my dispute. Additionally, I request that TransUnion provide me with a written explanation of the results of their investigation and take appropriate action to correct any inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I Called XXXX XXXX to change a flight. 
The XXXX employee was part of a fraud and transferred me to a third party company that Fraudulently charged my XXXX XXXX XXXX  card on XX/XX/2023. 
XXXX XXXX XXXX  Refuses to Deal with my Dispute.
Product: Debt collection

American Express charged-off on XX/XX/XXXX Acct # XXXX Acct # XXXX Acct # XXXX I requested 1099 forms and it was never sent. This is fraud and I need this looked into, because as of XX/XX/XXXX it is being listed as a charge off on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of buying a home and found fraudulent accounts from DEPTEDXXXX on my credit report in XXXX so I disputed them. The credit bureau did not conduct an investigation. I called twice and both of the customer service representatives told me that they refuse to investigate because there were several payments made on the accounts, so the DEPTEDXXXX accounts are mine and will not be remove. This credit bureau violated the Fair Credit Reporting Act! This unlawful conduct has cost me a lot of stress and financial hardship. 

The DEPTEDXXXX  tradelines on my credit report are fraudulent, inaccurate and incomplete. 
I do not have an account with DEPTEDXXXX. DEPTEDXXXX  accounts have no alleged credit limit, no terms, no scheduled payments and have an incomplete name or a not an actual entity. 

DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX CFPB please require this credit bureau to abide by FCRA and conduct a through investigation.