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

Experian report # XXXX Collection account : XXXX XXXX XXXX # XXXX Amount owed : {$1500.00} I have tried to dispute an item on my Experian credit report for more than 6 months. Every time, Experian came back that the information has been verified. Even tho I could not get the collection agency to verify this information to me but since this said collection account was almost 7 years old, I decided I would wait until XXXX 2017 and have this account fall off my report. I called Experian towards XX/XX/XXXX to confirm when exactly in XX/XX/XXXX this information would fall off, and their rep advised on XXXX XXXX, 2017 the collection account would be removed from my report. Here it is now XX/XX/XXXX, this said collection account is still on my credit report and Experian is not allowing me to dispute something they are legally suppose to remove. They even removed the dates pertaining to this when this account would fall off to show it as more recent than it is. I will attach an old report and the most current dated after they advised they would removed this account
Product: Mortgage

Caliber Home Loans has decided that they are going to charge a {$3.00} fee to make my mortgage payment on time. I did not agree to this when I signed my loan documents. Caliber has routinely tried to charge me late payment fees even when payments were made on time. It does not surprise me that they are trying to charge a fee to pay them interest. This type of practice needs to be abolished.
Product: Credit reporting or other personal consumer reports

Dear Dispute Department, Im writing to formally dispute an inaccurate entry on my credit report about my account. I reviewed my credit report from [ XXXX, XXXX, or XXXX ] and found the following erroneous information : - Incorrect late payment - Fraudulent charge - Account status issue - Duplicate account The credit bureau reporting the error is [ XXXX, XXXX, or XXXX ]. The inaccurate information was added on [ XXXX ]. 

I strongly believe this entry is inaccurate because all my payments were made on time, the account was never late, and there was no fraud. 

Under the Fair Credit Reporting Act ( FCRA ), I request that your institution investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with written confirmation of your findings and any actions taken in response to this dispute. 

If you need any additional information from me to resolve this issue, please dont hesitate to contact me. I appreciate your prompt attention to this matter and look forward to receiving your response within the legally mandated 30-day period.
Product: Checking or savings account

I have been at my wits end with this identity theft in the worst fashion of anything i have ever experienced in my whole life XX/XX/2023 I was given my injury work comp settlement for approval of XXXX. Since before that I have been having issues with XXXX every month. My identity was stolen, my devices that should of been turned in to XXXX werent logged into their system in XXXX and someone somehow mirrored my devices and even my location to act to take over my newly acquired XXXX, my company XXXX where I am a sole proprietor. They would even dupe transactions and use cash app ( where I was investing In the stock market for the first time ) where I was being charged double, Triple and even signed up to things I never signed up for! The hackers are able to even spoof my ip, location, devices and make it seem like its actually coming from me! It feels way beyond my grasp of concept and my credit went from almost XXXX to a XXXX in less than a day! Ive been complaining and schools first credit union now says its too old to despute one major one was a balance of a XXXX in my account where I closed one checking to open a new one where they credited me my remaining funds than took it right back but the money disappeared! This has happened to the majority of my funds, atm withdrawals duped where yes some of which were mine but somehow the people behind it are using a technology far more advanced than any Ive seen before.. I know have people following me, Im literally scared, not knowing what these people are doing in my name. Even feels like they want to frame me for something or set me up because I am an inventor and came up with a invention to help stop human trafficking. Maybe not the most popular business plan, and another an electricity to run without plugging in to any plugs.. cars, phones, houses, you name it. They have taken everything and I can barely make my car payment. I feel now they even are responsible for me missing important court dates, altering my business plans, sabotaging my resumes, partners, stocks, my insurance, even my car! Somehow they are able to remotely access my car without having my key faub, they are tracking me, intercepting everything and anything I try to do! They make me feel so powerless in my life like its not mine to even live anymore. I am only alive now because I followed XXXX XXXX  on many occasions somehow I am reluctant to be alive. I do plan on exposing the companies who are involved and who turn a blind eye to criminal activity. XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, I need help I have recordings and all XXXX, XXXX admins are taking over my whole lifestyle.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to 5 entities associated with a medical debt for a date of service of XX/XX/XXXX, regarding the fact that after my last payment to 2 associated debt collector/s in XX/XX/XXXX, for the date of service of XX/XX/XXXX, and payments made to each, that no single entity had responded to my letter dated XX/XX/XXXX, or sent any additional information about the remaining amount of the debt owed for the date of service on XX/XX/XXXX. It 's been several months since those checks were cashed and I 've heard nothing from any of them since XX/XX/XXXX, about the remaining balance ( s ) due. It 's been over 30 days since I sent letters to the 5 entities associated with the remaining debt for the date of service associated with XX/XX/XXXX, and I need answers. I need to know who holds the remaining debt. I need paper statements and each have refused to cooperate or work with me on these matters. Probably because each of the 5 entities are directly or indirectly connected to another situation I believe is under scrutiny/investigation by the Securities and Exchange Commission Office of the Whistleblower, the Department of Justice, the F.B.I. and the Consumer Financial Protection Bureau for money laundering issues that have nothing to do with the date of service of XX/XX/XXXX. That 's not my problem. That 's their problem. I owe an amount due for a date of service of XX/XX/XXXX. Period. The other debt related issues held with these entities will be resolved by federal law enforcement. Not by me and not by them. " They '' need to separate the 2 issues and have the balls to send me a statement with a balance due for XX/XX/XXXX All the other " debt '' they claim to hold outside the DOS of XX/XX/XXXX, is wrapped up in a money laundering scandal that I tried warning each about via a court proceeding and they failed to listen, and quite frankly I could give a XXXX 's XXXX. Send me a bill for the remaining balance due for the DOS of XX/XX/XXXX. That 's the issue front and center right now. The other issues will be dealt with by lawyers and federal law enforcement. They are separate issues and should be treated as such. I do n't want to be contacted over the phone about any of the debts under investigation. I do n't want to be contacted over the phone about the DOS of XX/XX/XXXX ; I want paper copies of balances due from whomever the debt holder ( s ) currently are and an explanation as to why no one has sent me a bill for the XX/XX/XXXX DOS since XX/XX/XXXX, and since they cashed those checks associated with those accounts since XX/XX/XXXX. I also do n't want any of these entities trying to pursue " debt '' they know is under federal investigation as it concerns anything but the DOS of XX/XX/XXXX. Period.
Product: Checking or savings account

On XX/XX/2023 I opened a checking account with TD Bank. On XX/XX/2023, I deposited a cashiers check for {$4000.00} with the branch teller. To which, I was given a receipt, stating {$100.00} available balance in account. I spent approximately. {$46.00} after leaving the bank... now the account reads XXXX and a 6 day business hold on the cashier 's check. 

TD Bank claims the hold is due to the checking account being a new account. However, a 6day business hold for a cashier 's check is execcessive. Additionally I was given a false record of what the available balance was after depositing the check..I find that it was unfair and deceptive. 

.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. 
I don't own all the records on my credit. 
I make a strong request. 
Please clear and delete my entire credit report. 
Overall, the records listed in my credits are not mine. 
Currently, a police report has been requested and a fraud alert has been placed on the credit bureau. 
Please delete this entire erroneous credit report from my credit report.
Product: Credit card or prepaid card

I made a purchase in USD with a non-US company ( XXXX  ) using their US website. I should not have been charged an FX fee based on online information on the VISA and XXXX websites. However, I was charged a material FX fee. I would not have made the purchase had I known I would have been charged an FX fee, and, if I had to make the purchase, I would have used a different card.
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.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may 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: Mortgage

I 'm filing a 3rd dispute, XXXX and XXXX, the first one being directed towards XXXX and the second towards Bank of America. Bank of America did n't answer the XXXX dollar question that needs to be answered. Did Bank of America charge off this loan in XX/XX/XXXX? because they stated in their response that they had no reporting to the credit bureau, but in my first dispute XXXX they stated BofA charged off the loan in XX/XX/XXXX, and they being XXXX simply reported it in XX/XX/XXXX. These XXXX companies are blaming each other and wasting my time running me around in circles, this has been going on with the cfpb for over 2 months and I 'm on my XXXX dispute and nothing has been resolved, so I 'm gone number the questions I need answered. 1 ) Did BofA charge off this loan in XX/XX/XXXX like XXXX stated in their response because this is how XXXX is justifying reporting this charge off to the credit bureau, and is the entire basis of this dispute! ... if BofA says they did n't charge off the loan XXXX need to remove the charge off status from my credit. 2 ) If B of A responds they did charge it off, on what basis was this justified, because as you can see with the credit history on the loan starting with real time in XX/XX/XXXX until the present date I have n't missed any payments, except for the 3 missing payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when BofA took over the loan from real time and did n't contact them for 3 months to notify them of the transfer. BofA even stated in their response they took the loan back in XX/XX/XXXX yet I have 3 months of missing payments on real times credit history, and also in the time period after XX/XX/XXXX when BofA put me through another modification and refused to accept payments until the completion of the modification. If BofA says they did charge it off what was the actual charge off date, because BofA reported 3 on time payments prior to sls taking over servicing the loan in XX/XX/XXXX. so there is no way the charge off date could be XX/XX/XXXX. 3 ) How does sls justify reporting a XX/XX/XXXX charge off date to the credit bureau when they stated BofA charged off the loan In XX/XX/XXXX and the loan was current with 3 on time payments when they received it in XX/XX/XXXX? There is a 4 year period after a charge off to be able to do anything with a home mortgage so accurate reporting is imperative. I have already contacted a credit lawyer and they are ready to take both these companies to court, this will be my last attempt to resolve this outside of court, these XXXX companies are getting away with simply shifting blame to the other guy. I 'm not attaching any dcuments, all the documents are attached to dispute # XXXX. Bank of America actually contacted me 2 weeks ago asking me about the complaint, but wont return a phone call now, they are impossible to deal with!
Product: Money transfer, virtual currency, or money service

At XXXX XXXX time on XX/XX/2022, I received a login code I never requested followed by a notification that my email was removed from my account. this prevented my notification of any subsequent fraudulent transactions, so I don't know what the criminals have been up to. Any and all transactions made at or after that time in that account are fraudulent. I can not see any of these amounts since my account was hijacked at this point and I was rendered unable to login through the removal of my email address. I was asleep and not logged in, so I could not possibly have made the transactions. I contacted cash app immediately upon waking up that morning via in app ticket through another account, through XXXX, through email, and made numerous attempts to reach them by phone. I have sent dozens of emails back and forth with support and they will not do anything to remedy this. I want any fraudulent transactions reversed and the account closed, and I have been upfront about those instructions, my personal information and what happened from the very beginning.
Product: Debt collection

I have sent letters XXXX  asking the company to validate this debt by requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.I asked for Complete payment history,. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. Letter of sale or assignment from the original creditor to LVNV FUNDING LLC and the Agreement with the client that grants you the authority to collect on this alleged debt.
Product: Debt collection

They call me ALL DAY everyday, I have documentation once as early as XXXX and they sometimes go until XXXX  I have not gone a day without repeated phone calls in roughly a year and I just now found out that is not ok and I am looking to report this and do whatever I can to make them stop, I suspect the amounts they are attempting to collect appear to be inaccurate LVNV llc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX. I have always made my payments on time. Ive contacted the company about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all Equifax and XXXX credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I have a bankruptcy on my credit report and I reached out to the credit reporting agency to have them removed under the fair credit act I shouldnt have information on my credit reports thats not true. I went to the court that they said they got the information from and the court said that they dont send any reporting agencies any information and they didnt have any records that Ive ever filed a bankruptcy
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late 'XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX  Account : XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX US BKPT CT XXXX XXXX  Type : XXXX Status : Dismissed Reference # XXXX XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} U.S. Bankruptcy Court Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX Asset Amount : Date XXXX XXXX XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The XXXX has been attempting to collect money for a newspaper I have never received. A solicitor came to my door offering subscriptions to various magazines and the XXXX. To get rid of her, I gave her a check for {$19.00} for the times. It was supposed to be for the Sunday edition to be delivered for 2 months. The paper was never delivered, and I have never received anything from the XXXX other than bills for more money. I emailed them stating that I never received the paper and I did not want it. No newspaper ever arrived, yet requests for payment continued. I assumed it was fishing by the XXXX, so I threw them away. 
Today, I received a letter from A.R.M. Solutions which is apparently the XXXX ' collection agent. They are attempting to collect {$28.00}. I realize that it is a small amount, but it is maddening to be continually sent bills and then be put into collections for a product I never received. I am sure that were I to pay the amount they say I owe, I still would not receive any newspapers from them, nor do I want anything they have to offer ever. 
I would like this resolved so that false debt or false collections do not show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : I have sent them documentation of police reports federal documents dark wed usage of my personal information that has been going on sense XX/XX/2006 I get inquires that I have not made on my report they remove them then put them back on with out sending me a letter of reinstatement which is a violation I REQUEST THEM TO REMOVE FOREVER THESE INQUIRES OR SHOW ACTUAL SIGNED PROOF ON EACH ONE THAT I SIGNED FOR THEM. I request that every thing be sent through the CFPB because i'm tired of the games played Also XXXX XXXX was a fraud account I complained for years I have contacted XXXX many times with no response so I dont know how you can validate this as mine XXXX XXXX is not a legal investigation I forword fax letters from myself to XXXX XXXX do have records that Experian removes inquires then puts them back on old report from them.
Product: Credit reporting

I had a collection showing from dollar loan center for XXXX dollars, that I have n't received a loan from them for the amount, I have n't signed o thing and I have n't been in the store at all, I used different store and I did pay any loan I received from this store. 
This is not mine, and I want them to remove it from my history.