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

Back on XX/XX/XXXX, I contacted TransUnion via mail about correcting an incorrect Date of Last Payment on a long closed XXXX XXXX # XXXX. As of today, XX/XX/XXXX, instead of investigating and correcting the problem of an incorrect Date of Last Payment, TransUnion posted on my TransUnion Credit Report that the account, which was closed and discharged years ago via a XXXX by XXXX XXXX in XXXX ( See Attachment ), was now magically reopened and had a balance! The results of their actions have caused my FICO score to drop significantly right at the time I am applying for an auto and home loan. The results of their malevalent actions will likely cause me to lose both loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of a scam and did not realize it until the XXXX XXXX notified me, I tried to close the account. and as far as i know the XXXX XXXX would not close it but kept it open and took my final check for doing work for a social security special needs person, they said i told the bank I that I needed to buy a new wheel chair so that i took the money out of the account, I DID NOT EVER SAY THIS TO ANYONE AT THE BANK, It is a total lie, and then this credit union let the money they stole from me and what they lost and said I did this on purpose, i did not!!!! They turned me into a place called XXXX XXXX  that people that continually over draw etc, a put on a 'bad ' risk list and are unable to get checking accounts.. Until the pandemic messed up my whole life I have had checking accts since I was XXXX and NEVER OVERDRAWN. I have lost everything - had to move in with my brother because the XXXX XXXX took the money I needed to live on, I have been threatened by the scammers and they have posted bad things about me too, The XXXX XXXX has posted lies to get even with me getting scammed. i did not get scammed on purpose, i believed that i could get help to get out of this mess the pandemic has put me in, Instead of helping me the credit union made things 10 x worse for me and when i spoke with them, they acted like it was all my fault, credit union is XXXX XXXX XXXX XXXX in XXXX XXXX
Product: Debt collection

I have sent letters to MOHELA and formally complained through this website, and I have always gotten the same response. They HAVE NOT provided any evidence that I owe this debt. 

Formal Request for Legal Validation of Debt Obligation Dear MOHELA Representative, Once again, I am demanding that you provide legitimate legal validation of my alleged obligation to pay this debt. Despite multiple requests, you have yet to provide a promissory note bearing my signature that shows I agreed to pay MOHELA directly. Your internal debt validation does not show that I owe anything to MOHELA. 

The so-called evidence you provided does not contain my signature, nor does it establish any contractual agreement between myself and MOHELA. It appears that your company impersonated me to obtain these records, which you have no legal right to. I did not authorize MOHELA to take over this debt, nor do I recognize your company as having any right to impose financial obligations upon me. 

Furthermore, the original creditor, charged off this debt, meaning my obligation to them was closed. Simply purchasing a charged-off debt does not create a new legal contract with me, and I have not agreedeither verbally or in writingto any such arrangement with MOHELA. 

I demand that you provide the following : A legally binding contract or promissory note with my signature explicitly agreeing to pay MOHELA. 
Documentation proving that MOHELA has the legal authority to enforce this debt against me. 
Until such documentation is provided, I do not acknowledge any obligation to MOHELA and will consider further action to dispute this matter legally if necessary. I will escalate my complaint if this matter persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 7 hard inquiries to my credit by synchrony. I have never given written, signed or verbal consent to this company to do a hard inquirly to my credit. 
syncb/XXXX- XX/XX/XXXX and XX/XX/XXXX syncb/walmart-XX/XX/XXXX and XX/XX/XXXX syncb/gap-XX/XX/XXXX syncb/ppextr-XXXX syncb-XX/XX/XXXX I also have 2 hard inquiries by a company named XXXX that I have never given written or verbal consent to do a hard inquirie into my credit. 
XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Debt collection

SARMA COLLECTION INC, debt collection has reported me for the debt that is not mine. 
The debt is from XXXX XXXX XXXX for amount {$550.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So the debt is for the XXXX XXXX XXXX 
I should emphasize that I was approved for XXXX XXXXXXXX for period XXXX XXXX XXXX XXXX XXXX. So basically, every bill for this period is covered under XXXX XXXX. The office within 90 days, should submitted a claim to the XXXX XXXX. They didnt, so they lost the deadline. IT is not my fault for losing the deadline. I let them know so many times and for the last time I called them again on Friday, XX/XX/XXXX th XXXX time XXXX XXXX  to tell them again to submit the claim on time, but they didnt. 

XXXX. SARMA COLLECTION INC, hasnt reach out to me. I have sent them a letter explaining them everything. 
XXXX. SARMA COLLECTION. INC has reported me to the credit company illegally and has impact my credit score. They sent me a validation debt on XXXX XXXX XXXX but in meantime XXXX day before they have reported me to the credit bureau on XXXX XXXX XXXX They can not report a debt to a credit reporting company before sending the validation notice and before waiting for a reasonable amount of time. So they send this validation document on XX/XX/XXXX and you have reported to credit reporting company on XX/XX/XXXX. This is completely illegal. 
XXXX. SARMA COLLECTION. INC illegally has discriminated me and is not replying me for this claim. 
XXXX. SARMA COLLECTION. INC illegally has hurt my credit scores after reporting it to the credit bureau illegally and unfairly.
Product: Credit card or prepaid card

XXXX XXXX ( XXXX  ) offers on its website, open Citibank MasterCard Acct, pay for this flight with Citicard. If youre approved {$200.00} credit, plus XXXX points, free checked bag, no fee first year, etc. They claim they will provide a number to use for immediate use of this offer. I fell for it. I applied, I was approved, BUT Citicard wont tell me my number, so guess what, XXXX  only hold flight 24-48 hours, so its useless to use their offer, and now Im stuck with another credit card. Its a scam. I have contacted XXXX, Citibank, etc. with responses of oh we are sorry.,. Would like to send you screenshots. Thanks!
Product: Credit reporting or other personal consumer reports

After numerous attempts to have this fraudulent account removed Nissan Motor Acceptance refuses to delete from my credit reports.
Product: Credit card

I booked an XXXX using my Discover card through XXXX. The listing for the XXXX  was deceptive in that it wasn't anything near what was described in the photos- the place was not safe for me & my dogs to stay, therefore I had to make other arrangements. I never got out of my car, never entered the property. I filed a dispute with Discover, gave them photos of what was advertised, what the place actually was, showed where XXXX stated they were going to give me a {$200.00} credit back to my XXXX account which would credit back to my Discover Card, sent all the bills from my Discover Card showing payment ( all numbers matched for the XXXX transaction ), found out that the host wasn't licensed/permitted to have an XXXX  in the area- I gave Discover Card everything they asked for and they denied my disputed because I paid through XXXX using my Discover card- which Discover knew from the beginning. All receipts state " Discover/XXXX XXXX and they accepted the dispute. I can not dispute through XXXX because they state it had to be disputed through the credit card company because XXXX isn't a form of payment. This was a deceptive intent on behalf of the XXXX host in that the fence was rotten, it was located on a busy 4 lane highway, not residential as described, it didn't have " private parking '', you parked on the street, didn't have a private entrance - everything was deceptive and Discover Card said I " authorized '' the transaction. I didn't get what I was paying for. They didn't even care the person wasn't licensed in the city. They have been rude, hateful, one supervisor told me " they offered a roof over your head and you declined it ''. No, they offered a roof, fenced in yard, private parking, private entrance- she then told me to give her a " breakdown '' of each item they didn't have. Discover Card is supposed to protect us against fraud/deception and instead they gave this thief my funds!
Product: Credit card

On XX/XX/2024 a fraudulent purchase was made on my XXXX account for {$880.00} This was immediately reported to Chase credit card fraud Dept.XXXX XXXX has Marked the purchase as fraud but will not send any other documents to me. i have contacted Chase bank several times and they deemed the purchase as legitimate Until i can provide proof from XXXX. XXXX does not have any means to talk personally with there Fraud division you can only speak to account specialist and are told they will respond in 24hr to 48hr which all i get is an automated response. this has been a circle loop between the two companies and as of today XX/XX/2024 i am still being charged for something i did not buy
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

Asset Recovery on behalf of XXXX XXXX contacted me at work at my work number. I have never given them or anyone permission or my work phone number to call me at my office. I instructed them to never call me again at this number.
Product: Money transfer, virtual currency, or money service

I had a problem paying my car payment on the Chime app. and I wasnt able to do so. I called a number that said it was Chime. The person answered said welcome to Chime and gave me instructions to send money to the manager and he would update my account. However he used the words my manager will update you account. I didnt realize what was happening, what I was actually doing. I sent the update to a chime Id. I called back and they kept hanging up on me when I requested my money. I then went back to the internet. I saw that the number I called was from a sponsor and it said chime but it wasnt Chime. I called Chime they said I couldnt file a dispute because I authorized the transaction. Later I called Chime again. They allowed me to put the dispute through and denied my dispute. Chime would not allow me to report this transaction to the Chime fraud department. This was fraud. Someone posed as a chime employee tricked me out of my money. I looked for the fraudulent number on the Internet again and it was no where to be found. The number was gone as was the sponsers name. Also the only number thats showing on the Internet is the correct number for Chime everything else has disappeared! I would like help with this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/ but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX  Balance : {$520.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX  Balance : {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  XX/XX/XXXX I notified XXXX and XXXX and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted Lexis Nexis and they totally ignored request to validate. 

Double Reporting : XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX XXXX Type XXXX XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX  Docket Identifier XXXX Type XXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator XXXX
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation with the complaint id : XXXX submitted on XX/XX/year>. Please provide the methods used in your investigation, along with all records of who was contacted, including their names, business addresses, and phone numbers. Additionally, include documentation verifying that this account XXXX was reported as late for 30 days. 

If you are unable to provide this information within 15 days, I request that you update the account ( XXXX  ) status to 'Paid/Never Late ' for the XXXX of XX/XX/year> and send me a copy of the updated credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to in adequate customer service and unfair practices, which violates the consumer financial protection act. Especially, cash app failed to Take timely, and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXXXXXX
Product: Debt collection

This Debt is already being paid directly to XXXX. As Agreed. This needs to be removed from my credit reports ASAP. I have never been contacted or spoken to Wakefield and Associates. XXXX has been sending my bill to an incorrect ( old ) address. i finally received a bill as it was dropped off to me. i do not owe wakefield and XXXX a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX XXXX stating that XXXX XXXX XXXX was reporting on my credit report as in collections. The amount shown to be in collections is XXXX. The address of XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX, Tx XXXX and their telephone number is ( XXXX ) XXXX. I do not know who these people are and after speaking with them they could not verify any information. Please have them delete my information from XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lived at XXXX XXXX run by XXXX XXXX in XXXXXXXX XXXX I experienced financial harassment from the moment I signed the lease, from threats to raise rents, to charging me for a requested door lock to be added, to not informing of the insurance policy when a leak happened in my unit. I obtained my own insurance after that incident of not being given proper documentation on the insurance that bought through them. 

I have several communication with their XXXX XXXXXXXX that was released from the unit without penalty. I cleaned the unit throughout and left it in better condition, I turned off my electrical that was billed in my name. I was there all of XXXX month. I paid XXXX $ total as part of a deposit and was supposed on a month concession. They locked me out of the ledger and never sent a bill. Instead they sent the bill to collections XX/XX/XXXX. I moved out XX/XX/XXXX. Their debt XXXX emails only go to spam. They only received my email today XX/XX/year> as of XXXX. I sent them information and they only opted me to take them to court.
Product: Debt collection

COLLECTION BUREAU OF FWB. amount : {$1300.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of .....

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED i would like this account to be removed from any credit bureau it is reporting to
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has my name listed as XXXX XXXX XXXX ( which is correct ) XXXX, XXXX, XXXX ( which is not correct ) XXXX XXXX ( which is not correct )