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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXI XXXX : Ref : XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I XXXX XXXX. Do not owe Erc any money. I understand they are debt collection buyers. But I dont have a signed contract with this company. I also request company to ceast and desist and all communication should be done by postal mail. Any phone call to my work or cell or home. And I can sue per call XXXX per call. I already have a fcra attorney ready to sue if this company does not remove this account off my credit report. Per ceast and desist request this company not even suppose to have my personal information. Delete delete.
Product: Debt collection

It 's called Paragon Revenue Group And it says it was opened XX/XX/2014 and the amount is {$3400.00} Theres NO WAY I could have gotten that amout from anyone.
Product: Debt collection

I have been contacted several times by First Credit Services about a gym membership I canceled. I asked why I was not mailed a debt validation letter within five days of the initial contact and the company stated that they had mailed it. I asked repeatedly for proof that it was mailed, and delivered to me, which they eventually said they would email to me. The next day I was sent a billing statement and, based on the metadata within the document, it had been created the same day they emailed it to me. I never received a validation letter and the company can not prove that one was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

See your law suit against Greentree I have fell victim of this aweful company. they '' dual track " while i was going through a loan modication. greentree added thousands of dollars to my account knowing i could n't pay it thats why I requested loan modification application. I went from {$740.00} behind to {$8000.00} now i have to come up with {$9400.00} in order to get my home back, They stole my home. kick me and my grandson out on the streets last month. I have had this mortgage since ,XX/XX/1993. This is wrong and immoral. They lied to the judge to get this foreclosure through I have documents to prove it..I mail copies to your office last week please review. I have the right to defend my property against this evil company. My next step will be The media \ civil right activist to expose this company again .... Evicting a little boy that was born a preemie and now experiencing separation anxiety from losing his home ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX  XXXX Balance XXXX {$20000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau to update my personal information as it is reporting incorrectly. The only address that I have lived at that should be reporting is I have sent out dispute letters and have not received any response which is a violation of the law. Please update my address to the above information.
Product: Debt collection

DEBT DOESNT BELONG TO ME. IDENTITTY THEFT
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : [ XXXX ]. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account name 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

Subject : Complaint Against Transworld Systems Inc. Regarding Alleged Debt Dear Sir/Madam, I am writing to file a formal complaint against Transworld Systems Inc. concerning their handling of an alleged debt in the amount of {$780.00}. It has come to my attention that Transworld Systems Inc. has violated several consumer protection laws, as outlined in 12 CFR 1006.34 and 15 USC 1681-S, which has resulted in significant harm to my consumer rights and financial well-being. 

Firstly, despite the absence of validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), Transworld Systems Inc. has placed this alleged debt on my consumer report. This action directly contravenes my rights as a consumer and raises serious doubts about the accuracy and legitimacy of the reported debt. 

Furthermore, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Transworld Systems Inc. has failed to provide me with proper avenues for challenging the validity of the debt, thus depriving me of my fundamental right to address any discrepancies or errors in the reported information. 

In addition to these violations, it has become apparent that Transworld Systems Inc. has engaged in deceptive practices, including the use of false, misleading, and misrepresented information. Such unethical behavior not only undermines consumer trust but also violates established consumer rights protections. 

Moreover, Transworld Systems Inc. has furnished this alleged account to consumer reporting agencies without providing the necessary disclosures mandated by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). This failure to comply with legal requirements further compounds the harm caused to my financial standing and reputation. 

In light of these egregious violations, I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into Transworld Systems Inc. 's practices. I urge the Bureau to take appropriate action to ensure compliance with consumer protection laws and to hold Transworld Systems Inc. accountable for their actions. 

Furthermore, I seek the following remedies : Immediate removal of the alleged debt from my consumer report pending validation of the information. 
Provision of complete validation information regarding the alleged debt. 
Assurance that Transworld Systems Inc. ceases all deceptive practices and adheres strictly to consumer protection regulations. 
Compensation for any damages incurred as a result of Transworld Systems Inc. 's non-compliance with the law. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumer rights. 

Thank you for your prompt action in resolving this issue.
Product: Prepaid card

I noticed on XX/XX/2022 that bank account looked low. I called customer service told them that my bank account didn't look right so I asked him to go to my transaction starting from the beginning of XXXX to the end of XXXX and of course there was online transactions that was not me it was cell phone payment to XXXX XXXX  and all the Visa transfer debit card for {$100.00} it was probably a total of seven of them and some hotels that were credited in my account twice at the end of XX/XX/XXXX is when I noticed my account was low there was a XXXX dollar withdrawal which was not me. I was so confused with that because I had my debit card with me so someone would have had to have access to my bank card I canceled it right away made that dispute on all those and I only received the hotel transactions all the debit card transfers and the cell phone transaction. I did not receive the withdrawal and I never understood why maybe because since I had debit card how would someone have access to my account I had a few people living with me at the time I've talked to them all I have no proof who done it but still I was the victim of that. My new debit card coming in the mail and was going to be there on XXXX the XXXX it was not in my mailbox. I called the bank immediately and they said it had already been activated and two {$500.00} atm withdrawal and a Debit bank transfer of {$50.00} my card was stolen from my mailbox. I told them it wasn't me disputed that and I was denied. I've wrote them letters a few times. I have plenty of documentation which I will send as soon as I hear back from you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Early Warning company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified XXXX XXXX XXXX about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.
Product: Mortgage

In XX/XX/2022 I received a letter from Bank of America about PMI Cancellation.

For the past few weeks Ive been trying to get clarification about language used in the letter. 

Ive sent several emails. I missed a couple of calls from a number from Bank of America but not one time did the person leave a voicemail as to whom to call back. Very unprofessional to call but not leave a voicemail. 

I then received an email from an unnamed person saying they called me. 

I replied to the email stating the best way to reach me is by email and if they could answer the two questions below : 1. Please explain what the PMI cancellation letter means when it statescancellation will require a good payment history???

2. Does my account meet the criteria for good payment history to have PMI Cancelled?
Product: Credit card or prepaid card

On XXXX XXXX 2019, I noted three fraudulent transactions on my card. I immediately notified Capital One and they flagged all three and removed the transactions. 

On XXXX XXXX 2019, one of the charges reappeared, at XXXX for {$67.00}, dated for the XXXX  now. I reported this one as well, and received assurance that it was a duplicate and would be removed/investigated with the others. 

On XXXX XXXX 2019, I received notice that the XXXX transaction was deemed legitimate, and the others would be kept off. I called to dispute this the same day and was told that it was seen as legitimate for being delivered to someone at an address I've never had, with the same last name as me. The address they were provided by XXXX, which the representative also gave me, is not one I've ever had anything to do with and the name on the purchase was clearly <firstname> <lastname-that-matches-the-stolen-info>. I was told the charge would be removed. 

Today, XXXX XXXX  2019, I was notified by a separate spending-tracking app that the charge was not removed or otherwise was reapplied to my account, dated XXXX XXXX 2019. 

Capital One is charging me for something I didn't buy because it was already delivered to the thief 's address.
Product: Checking or savings account

On XX/XX/XXXX, I noticed an email from Wells Fargo stating that I should the see the conclusion of Claim # XXXX on my account ( a claim that I did not file. 

After doing some research I also found that a transaction for $ 1000+ ( that the claim was in regard to ) was also done by someone else. 

I called in to tell Wells Fargo that I did not make the purchase nor did I file the claim, and they are not helping. 

This account was previously closed after someone stole my debit cards, check book, and identity. Wells Fargo seems reluctant to refund me the money, or to assist me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my report XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX began servicing my mortgage in XX/XX/XXXX after it was sold from the prior servicer XXXXXXXX. First, XXXX has continued to incorrectly report to the wrong original loan amount of {$370000.00} as of XX/XX/XXXX. T.hey have document records that the original loan amount was {$390000.00} and not {$370000.00}. Secondly, XXXX has continually reported the wrong outstanding balance owed each month to the credit report agencies. As of XX/XX/XXXX, XXXX has reported my balance owed as {$360000.00} but has mailed a statement that shows my outstanding balance is {$360000.00}. Since, my original loan amount was {$390000.00} as of XX/XX/XXXX, I have paid a total of {$29000.00} toward the principal balance. XXXX 's inaccurate reporting of the original loan amount as ( {$370000.00} ) and inaccurate outstanding balance as of ( {$360000.00} ), result in the CRA reporting that only 4 % of my mortgage has been paid since XXXX. THIS is wrong and has impacted my ability to obtain new credit. I have written the customer service department of Rushmore, who has continually not provided the correct information to CRA after I have disputed them three different times since XXXX.
Product: Money transfer, virtual currency, or money service

The complaint is against PayPals policies. I processed a XXXX payment to the IRS. ( The IRS uses a third party ) that third party gave me the option to use PayPal. I process the payment to come out of my chase checking. The amount of XXXX was removed from my husbands checking account instead of the account that I requested it to be taken from. When I asked PayPal why they did this they said that it was for security reasons. His account is our back up account on PayPal. Please note also that theres a processing fee in the amount of XXXX. The fee was protocol the account I requested. processing fee was processed through the account that requested, but mistakenly PayPal took the {$26.00} from my husbands account. 
I called PayPal and informed them that they were wrong to post {$26.00} charge to my husbands account. The explained that the did this for security reasons. This will bounce and we will be charged a fee. 
There is a need for PayPal to contact the account holder of a transaction change to allow the account holder to transfer the funds into the backup account and for them to have an explanation as to why they are changing the payment from the account that was initially.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.