23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I evaluated my credit report and realized Experian is reporting my name wrong. There is many names reported and they need to be DELETED. I will provide the names and name id 's to be deleted. Also, I will provide a screenshot of my utility bill to show you how my name should be reported. 

Names To Be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

This company continues to improperly apply payments made to my account, resulting in the overall balance being higher than it actually is, or the payment due date being incorrect. According to the company 's files, more than 30 payments were improperly reversed and applied, which has caused unacceptable levels of financial harm.
Product: Debt collection

Patenaude and Felix ( P & E ) reached out to me about settling an old judgement, originally filed in XXXX. I have received countless letters from them in XXXX, offering {$2200.00} to settle a {$11000.00} debt with XXXX XXXX. Unfortunately, at the time ( XXXX ) I was unaware of, and never served, the judgement, so it went unanswered. 
Since XXXX, the debt has been transferred to different collection agencies. However, I received no formal notice or court doc stating that P & E had taken over for XXXX. In fact, when I called XXXX in early XX/XX/XXXX, the rep explained that XXXX held the judgement. Then, XXXX confirmed it was transferred to Patenaude and Felix. 

Recently, my financial bank brought it to my attention that a active lien is on my property, which prevented any financial transactions, until it was cleared. I called P & F to discuss the account and they sent letterhead on XX/XX/XXXX requesting a settlement amount of {$2200.00}, to be paid by XX/XX/XXXX. A cashier check for that amount was XXXX XXXX received and signed by someone in the P & E office by XXXX on XX/XX/XXXX. On that same day, after XXXX, I received an email from them stating that they can not accept the payment and insist that I call to discuss. I refuse to call them, simply because I could not trust a verbal communication with them, considering they had just reneged on a written agreement to accept the settlement payment of {$2200.00} by XX/XX/XXXX. They are not being transparent or honest. 

Between XX/XX/XXXX to XX/XX/XXXX they have ignored all my previous emails/questions and phone calls. They, also, have ignored all third party ( bank and escrow company ) emails and phone calls. P & E finally reached out to me via email, AFTER the cashier check was received, on XX/XX/XXXX. They were attempting to answer an older email ( dated XX/XX/XXXX ) by stating they could not talk via email, urging that I needed to call them. No mention was made of the cashier check. After I explained that I wanted a Satisfaction of Judgement for receipt of payment, is when I got the response that they would not accept my payment. It was all a ploy to coax me into to calling about an old email, just to verbally give me reasons why they won't accept the payment we all agreed to. 
Unfortunately, I have to keep using the word " they '' when referring to the person corresponding with me, because I have yet to know who is on the other side of the emails. No name was given when I have asked.
Product: Checking or savings account

On XX/XX/year> I attempted to rent a motel room at XXXX XXXX in XXXX Oregon. I have submitted a complaint regarding this establishment already. My bank is Chime, an online banking company, and I have had an account with them for a very long time. I disputed the charges on XX/XX/year>, dispute # XXXX in the amount of XXXX. I was told the charges would be returned within 5 days. My dispute has been denied and reopened in a cyclic cycle that has no end in sight. I had become stuck in XXXX Oregon due to the theft of my money. It may not seem like much, but to me, it was survival. I am homeless and XXXX and am blown away by how I have been treated and how Chime has supported the theft of my funds. I have a police report XXXX XXXX XXXX eform # XXXX. Chime appealed my denial and it is appeal # XXXX. I have asked for justification of my denial and received the questionnaire with only my answers that they recorded. Chime did not even get that right as some of the answers that they documented I did not state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm not sure what 's going on. I 've been submitting disputes to the credit bureaus for the past eight months. They do not respond to me and are obviously not initiating my disputes. I 'm not sure what 's going on. I KNOW these accounts that are reporting are inaccurate. I 'm just trying to express my rights as a protected consumer and ask the credit bureaus to investigate. Why are you not investigating my disputes? Can you legally just ignore my request like that? I 've also tried disputing with the collection agencies asking them to send me a medical release form because i 'm more than 100 % sure i 've never given them permission or access to my personal medical information. I 've spoken to a consumer right 's attorney and he 's telling me that i have a case, do i? I 'm asking the credit bureaus to please investigate these inaccuracies. This is causing me major stress. These collection agencies do not have my permission to have my medical information, PLEASE remove!!! 



XXXX Opened XXXX XXXX, XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX LA XXXX XXXX Opened XXXX XXXX, XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$290.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management ( MCM ) has inaccurately been reporting an account to my consumer credit reports. I have contacted MCM multiple times via mail about this account 's invalid status. This account is far past the 7 year period allotted by the Fair Credit Reporting Act ( FCRA ). MCM is in violation of the FCRA by reporting an account past the given time period. I have also disputed this account through the credit reporting agencies to no avail. I respectfully request that this inaccurate tradeline be deleted from my credit reports.
Product: Debt collection

XXXX XXXX called my job looking for me. Instead of sending me documents by mail, and not calling my regular phone. I think its a scam. He called from National Credit Adjusters XXXX ext XXXX
Product: Checking or savings account

I open Sofi account on XX/XX/year> as they offered {$300.00} open account bonus and {$25.00} referral bonus for new checking and saving account and with direct deposit more than {$5000.00}. I received my direct deposit on XX/XX/year> and found sofi didn't classified it as direct deposit. 

I have inquired their customer service and he told me it may due to coding issue and may be fixed in the future. However, he state that it wouldn't apply to my current deposit ( {$9000.00} ) which means I can not get my open account bonus due to SoFi mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my consumer report that I didnt do. I tried calling each companies they told me it was nothing they can do. I called transunion they told me it was nothing they can do. I have two inquires that are unauthorized. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX saying my credit went down. Checked and it said I took out a loan from affirm inc. for XXXX and was late paying. I never heard of affirm, I have no account with them and have never taking a loan with them. I contacted affirm and they said they couldn't find any account I had with them, contact XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I received a denial for credit dated XXXX XXXX from Regional Finance. I have not applied for credit at Regional Finance this year. I am a customer of Regional Finance but have not applied for a renewal or new loan. I have not authorized them to check my credit report. The lady I have been talking to has changed her stories now they will not reply to my email or phone calls. I feel like an employee was trying to scam me or steal money. Maybe set up XXXX accounts.
Product: Debt collection

I am writing to formally dispute the alleged debt referenced above, which your agency claims I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information to validate this debt : 1. The amount of the debt : Please provide a complete and detailed account of the amount you claim I owe, including any interest, fees, or other charges that have been added to the original debt.

2. The name of the original creditor : Please provide the full name and address of the original creditor to whom this debt is owed.

3. Verification of the debt : Please provide documentation that proves I am indeed responsible for this debt, including any signed agreements, contracts, or other proof of the obligation.

4. A detailed history of the account : Please provide a complete account history, including the original balance, any payments made, any fees or interest added, and the dates of these transactions. 
5. Copy of the agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

6. Documentation on your licensing : Please furnish me with your agencys licensing information, as required by state and federal laws. 
Please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter. If you fail to do so, I expect that this debt will be removed from my credit report and that no further collection attempts will be made. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested information to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Prepaid card

I do not use this card due to it always being at a XXXX or near XXXX balance. On XX/XX/XXXX I was able to access the recent transactions for the card and noticed recent transactions up to that same date. I was able to access my account for the card and saw many withdrawals from different countries and states for various amounts. I contacted Way2Go with my concerns and also asked why their fraud department did not alert me or was not alerted about transactions made in all of these locations. They could not provide me with an answer. The department mailed me a form to detail the fraudulent charges. I emailed the form detailing all the unauthorized usage which occurred from XX/XX/XXXX to XX/XX/XXXX in the amount of approximately {$2300.00}. Days later received letter from Way2Go that they could not replace this money due to me reporting the fraudulent charges more than 120 days after the posting of the transactions. In my opinion, this makes no sense due to the company failing to alert me of suspicious charges made to my account, especially from these random states and countries being that my on file address has not changed and the charges are not of my usual activity.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

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

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
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 unauthorized inquiries 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 inquiries 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 inquiries that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have medical bills that were not paid because of bad insurance that didnt pay and the billing department that knew that I was a veteran and didnt bother to send the bill to the VA billing department. It is still on my credit report along with bill that are over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : XXXX Reporting There are 5 collection accounts on my report that are inaccurate. I have never done business or entered into written agreements with any of the aforementioned businesses. It appears to be collection agencies from medical bills and a cash advance business. 

I have submitted numerous disputes and asked for copies of the original written agreements to verify the accuracy of the accounts, and I have not received them.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX 15 U.S.C. 1692e ( 6 ) ( B ) Misleading representation regarding the legal status of the debt. 
This account was originally charged off in XXXX but was listed on my credit report as charge off multiple in XXXX and XXXX Also under the Section XXXX of Texas Finance Code it no longer allowed to revive the statute of limitations, a reaffirmation of the debt or any other activity. 

This account has violated my consumer rights.
Product: Credit card or prepaid card

I attempted to accept a balance transfer offered by Citibank " 0 % for 21 months ''. The first time in XX/XX/2023 with a bad address for the bank holding my balance. Then again in XX/XX/2023 My bank didn't receive the payment check until after 30 days ( expired ). In XX/XX/2023 The attempt was Cancelled on XX/XX/2023 by Citi, reason not given. Upon receiving that notification, I utilized the offer extended to me by XXXXXXXX XXXX with " 0 % for 12 months ''. The balance transfer to XXXXXXXX XXXX was completed on XX/XX/2023. On XX/XX/2023 Citi did a balance transfer on that same account {$5000.00}. They had No authority to do so since They cancelled on XX/XX/2023. After several calls to both institutions my XXXX XXXXXXXX XXXX XXXX. I transferred the over-payment on my bankcard to my checking account and paid {$4700.00}. I decided to ease my debt burden by allowing myself time to repair over time at 0 %. None of this is fair. I can not understand how it is legal. I feel as though I was mugged in broad daylight and left to pay my assailant.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I opened an XXXX store and a PayPal account to begin selling consumer products online. My store quickly gained popularity and I began making an abundance of sales. PayPal informed me that they had to limit my account and hold my funds for 180 days since the products I was selling were at risk products. All items were shipped with tracking numbers and were successfully delivered ( as per PayPal policies request ). 
On XX/XX/2020, PayPal withdrew my money ( which was {$3000.00} to be exact ). They closed my account and I had no way of contacting them due to COVID. The only feature they had available was the customer service chat which I could not use because according to the automated message, my account was limited. I have tried contacting them various times after that but have continuously been told that theres nothing they could do about it. They have my kept money ( even after having proof of the items being delivered ), and I need to recuperate as I did not authorize them to do so. It has been way past the 180 days and I have yet to see, hear, or be able to get any information on what occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}
Product: Debt collection

I am contacted more than XXXX times a day on a daily basis in regard 's to my account and money owed. I started a debt consolidation a few months back and was advised per my attorney to stop making payments. They call and text and also block their number more than XXXX times a day. Also calling on Sundays before XXXX. I advised them of my attorney office but they still continue to call.
Product: Checking or savings account

XXXX taking payments out that were Not Approved for XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 Overdraft fee 3 times for XXXX $ on XX/XX/22 XXXX again for XXXX $ on XX/XX/22 XXXX again for XXXX $ on XX/XX/22 & XXXX $ on XX/XX/22 Overdraft fee for XXXX XXXX XXXX times on XX/XX/22 None of these transactions were approved and now my account is overdrawn so much money and I can Not use my debit card for important things now... I spoke with wells Fargo but they are not doing anything about it.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.