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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.


15 U.S. Code 6802 : Obligations regarding the disclosure of personal information. 15 U.S. Code 6803 : Disclosure of privacy policies. 15 U.S. Code 1681e ( b ) : Accuracy of credit reports. 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 18 U.S. Code 1028A : Aggravated identity theft. These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

First of all I was forced to secure funding for additional dental work in the middle of my appointment before they would complete the rest of my root canal. So not only was I forced to do this in the middle of my appointment but the amount of additional cost was misrepresented by {$6500.00}. My treatment plan cost XXXX. I received a XXXX for XXXX. With the requirement that I go to a certain dentist. My treatment plan was drawn up and started by one dentist and then I had a different dentist mid appointment suggest additional work be done. Not explaining the exact cost initially just that it was all necessary work ( which it was legitimate work that I needed ) but when they showed me the paperwork to sign mid appointment while my face is numb and Im laying in the dentist chair. The figures presented to me were roughly {$1500.00} difference. So my original plan was {$14000.00} or so and the new treatment plan was XXXX roughly. But these figures did not take into account my first payment of {$6500.00}. So Im thinking Im committing to less than {$2000.00} of additional work. When it was actually {$6500.00} + {$2000.00} = {$8500.00}.
Product: Debt collection

I called Franklin Collection Services XX/XX/21 I spoke to Unit Supervisor - XXXX XXXX Threatened to report me as refusal to pay and make sure it stays on my credit report as negative. Refused to let me speak and voice my concern about this report. XXXX was rude and told me it wasn't her problem. The efforts of my call were for debt verification and she told me she would not help me with that.
Product: Credit card

I found a fraudulent charge on my Barclays Elite Black Card and I have been a loyal customer of theirs for many years. However, when I attempted to report the charge to them, I was told that I needed to file a police report. I faxed them this report many times and keep being told that it is not received, despite the confirmation I have for the faxes I have sent. Now it has been nearly three months since I initially reported the charge in XXXX of XXXX. On XXXX/XXXX/XXXX I attempted to speak with Barclays about resolving the matter, they finally confirmed receipt of the police report and then attempted to tell me the fraud dispute has been closed since XXXX of XXXX which is impossible since I did not notice and report the charge until XXXX of XXXX. Once I said this was incorrect the investigations representative became very rude and hung up on me when I asked to speak with a manager that could investigate the faulty information. When I called back, twice, I was hung up on again by the investigations representatives each time.
Product: Debt collection

I had dental services from XX/XX/2012 to XX/XX/2012. At the time I was covered under XXXX. I paid for the remaining balances with my credit card. I submitted paper work for the dentist to be paid directly from the insurance carrier ( XXXX ). You will note that is what happen on the claim form. The dentist indicated that " XXXX paid patient '' at the bottom of the claim form bill. 

I was contact recently and ask to pay a bill that was supposed to be paid by the insurance company back in XX/XX/2012. I have subsequently changed employers and insurance carriers. The insurance company does not keep records back that far. 

I have asked for a canceled check from the insurance company to show that I cashed any check. They do not show one being cashed my me and the collection agency can produce any documentation showing that I received payment ( other than the handwritten note at the bottom of the bill page ). 

I am being as to pay for a service almost XXXX years later with no indication that the bill was submitted to the insurance carrier ( rejected or paid to me XXXX. 

This wrong and unethical. The credit collect agency it threaten to submit this claim to the credit reporting agencies to " damage my credit ''. This is also wrong. 

The person that made this " threat '' was XXXX or Credit Counsel, Inc ( XXXX, XXXX, FL XXXX ). Email : XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXX XXXX Also Known As : XXXX, XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$540.00} XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Prepaid card

I have a unauthorized charge on my account cash app refuse to investigate or give me any information on the merchant
Product: Credit reporting or other personal consumer reports

These are the accounts that I have ask XXXX, XXXX, and Transunion to remove from my report because they do not belong to me. Ever since all 3 bureaus has had a data breach to where my information that they are supposed to keep safe and not let anyone pull my credit or place anything on my credit has been hack and now everyone has my information. These accounts and inquiries need to be validated if not validate correctly it needs to be removed as soon as possible from my credit. I need the original purchase agreement for debt, Insurance claim of the debt, the XXXX with the original creditor, and the statute of limitations and last payment missed on the debt if this was my debt. These are the Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I applied for a Citigold bank account with Citi bank XX/XX/2015 with a promotional code. When I applied this code, Citibank verified that it was accepted and that the promotion would be applied to my account. The exact wording for the citigold terms and conditions stated that the offer was available to Citi/ AAdvantage card members that receive this communication. This reward offer was confirmed to have been applied to my account yet Citi is claiming there was NOT an AAdvantage miles promotion offered in conjunction with the opening of my account, even though they confirmed with me that I DID have the promotion available for me back when I applied. Now they are claiming that they do not owe me the reward for this offer and they refuse to credit me with the miles that I have rightfully earned by completing the promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries by unknown person made several attempts to obtain credit fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir and madam, I am writing to report an incident involving a fraudulent charity activity that I encountered recently. Below are the details of the scam : On XX/XX/XXXX, I received an email from XXXX XXXX about participating in a charity initiative. The activity involved purchasing gift cards for a charity that claimed to support orphans and the homeless. The compensation was stated to be {$450.00} per week for working flexible1-3 hours daily. 
I agreed to participate and began on XX/XX/XXXX. XXXX XXXX ( email : XXXX ) sent me a {$500.00} check via email, which I deposited into my XXXX account using mobile banking. The funds appeared to be immediately available, so I purchased a {$500.00} Apple gift card from a nearby XXXX and sent the card details to XXXX XXXX ( email : XXXX ). 
I repeated this process on XX/XX/XXXX. On XX/XX/XXXX, I became suspicious and asked for the charity 's address. They provided an address that matched an actual charity online, which reassured me at the time. 
On XX/XX/XXXX, I noticed that the check from XX/XX/XXXX, had bounced. I contacted XXXX XXXX, who then sent me another {$1000.00} check. I deposited it, and it again showed as immediately available. I bought another {$1000.00} worth of Apple gift cards and sent them to the scammers. 
Believing the activity to be legitimate, I continued on XX/XX/XXXX, and XXXX, XXXX, purchasing a total of {$3000.00} in Apple gift cards. On XX/XX/XXXX, I discovered that all the checks had bounced, and I was unable to reach XXXX XXXX. 
Due to my lack of understanding of check payment risks, I initially believed the funds were available when my mobile banking app showed the deposits as cleared. However, the checks were fraudulent, and my bank could not retrieve the funds from the originating account. 
I am requesting your assistance in investigating this matter and taking appropriate action against the individuals involved in this scam. 
Thank you for your attention to this matter. 
Sincerely,
Product: Debt collection

I am writing to express my extreme dissatisfaction with the handling of a fraudulent account that has been erroneously associated with my credit report. Despite being a loyal XXXX customer for over 10 years with current account, this fraudulent account continues to appear on my credit history, causing significant damage to my credit score.

I have submitted the requested fraud documentation four times since 2021. Each time, I have received confirmation that the account was not mine and would be removed from my credit report. However, the issue persists. 

I request your immediate attention to this matter. Please investigate and permanently remove the fraudulent account from my credit report. If this issue is not resolved promptly, I will be forced to seek legal counsel and pursue appropriate action to address the damages caused by this error. 

Thank you for your time and attention to this urgent matter.
Product: Debt collection

many telephone calls from some guy calling himself XXXX XXXX at XXXX extension XXXX. He said he 's collecting for XXXX and I told him I had never had an account with XXXX and do not have an account with XXXX and he threatened me. Said if I did not give him personal information that he would just keep trying to get payment.
Product: Money transfer, virtual currency, or money service

After a friend 's XXXX account ( and XXXX messenger account ) was hacked, I was under the impression I was communicating with him about purchasing his father 's auto. 

The scammer also provided the street address where the car could be driven which checked out. 

The scammer then sent me to Paypal and requested I transfer {$1000.00} to hold the car. He also requested I use the friends and family option. 

As soon as I made the transaction I got suspicious and requested the money back. The scammer refused and I immediately contacted PayPay. I didn't receive a response until the following day. I continued to correspond with PayPal, letting them know this was fraudulent and a hacked XXXX account, and they said they would get in touch with the recipient. They told me that during three different chats. I never heard back from them. 

I was advised to inform my bank of the fraudulent activity, which I had, and closed my bank account. I also cancelled my XXXX XXXX account which was a back-up payment method for PayPal transfers XXXX 

Fortunately, PayPal waited days before attempting to get the money from my bank account, which they could not because I had immediately closed it due to fraud. 

PayPal now is showing a negative balance of {$1000.00} on my account, and refuses to close my account. I imagine they may eventually start trying to demand payment and/or file something with a credit reporting agency.

My complaint centers around : 1. Before PayPal agreed to make the transfer, they said they needed info from me and requested my friends name. I reasonably interpreted this as a check that the person I was sending money to was my friend. I entered my friend 's name ( XXXX XXXX ) and they " fronted '' the scammer {$1000.00}. 

2. PayPal did not follow-up with re : their promise to contact the recipient ( scammer ) on my behalf and have the money returned 3. PayPal 's process allows recipients to block senders immediately ( or soon after transfers ) thus I was unable to contact the recipient through PayPal.

4. PayPal apparently has no recourse, or no delay, in sending money to recipients, thus when I let them know there was fraud, they claimed it had already been sent 5. Although PayPal is using the defense that " you have sent money from the same IP address, '' I have never sent more than {$100.00} to a " friends and family '' nor a legitimate business before. PayPal had no safeguards in place to protect such a large amount of money ( {$1000.00} ) from being sent to a scammer - and also, didn't seem alarmed or have any protocol for an unusually large first time transfer from me to a recipient I had never sent money to before
Product: Credit reporting or other personal consumer reports

i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

FIRST NOTICE!!! As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX  ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with EXP and XXXX  who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by EXPERIAN AND XXXX  IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXXwhom I contacted they TOO stated in writing that they did NOT communicate with Experian or XXXX  about my file , they also sent request but did NOT hear from them- see attached proof. so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus EXPERIAN AND XXXX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... ''
Product: Mortgage

Hello, I am trying to get in contact with the BSI Financial Services customer care department regarding removing my former wife off of the mortgage but have received no feedback. I have reached out on three occasions ( XX/XX/2022, XX/XX/2022, and XXXX ). On each occasion they have not written me back. I was able to remove my former wife off the deed and the VA loan certificate, now I just need her removed off of the mortgage loan from this lender, yet I feel they have been dodging my emails. I've been hung up on whenever I do get through on a call and ask the question. On XXXX instance a lady said she's not sure how, or if they do that. It's something she'd have to ask her supervisor, but they were unavailable. I have not received any information regarding this dilemma. I do not receive money to pay the mortgage from my former wife, nor have I ever. I'm not sure where the problem lies. Why won't they just get back to me???
Product: Debt collection

On XX/XX/XXXX I received a letter from MCS inc in reference to a medical debt owed. After investigation I have discovered the debt is from a service performed in XX/XX/XXXX. I never received a bill nor was contact till over nearly 8 years after the service was performed. They could not give an account number to reference nor date of service. I had to investigate all to verify. 

I have contacted MCS and explained to them the debt is over the statute of limitations, they are still going to proceed with court actions. The letter attached is the very first contact I have had with both the service provider and debt collector since the the initial date of service. 

Since this debt is in Virginia and I live in Idaho. It makes fighting very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX