23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never received anything from CACH , LLC about a debt I owe them until the Sheriff Department served me with a Summons ( XXXX/XXXX/2014 ). I got legal representation righ after this. My attorney requested that CACH , LLC send them validation of debt. Neither XXXX of us ( my attorney & myself ) never received any validation stating the debt is mine. In XXXX of 2014 I pulled all three of my credit reports and the collections was on my credit report. I was denied credit with XXXX because of this negative impact on my credit report. Since CACH , LLC could not verify the debt and I answered the summons they dismissed my case. But they are still reporting this debt on my credit report as belonging to me without verification of the debt.
Product: Debt collection

XX/XX/2020 XXXX : {$440.00} Action : Asked for proof of a contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is, in fact, a copy of the original paper contract in question. I have never received this. Please upload this document with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX SC XXXX These inaccurate reporting account an comments Is a violation To The law. 

Comments : Payment after charge off/collection Paid profit and loss Unpaid balance reported as a loss by credit grantor. 
Amount in high credit original charge-off amount Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

account number XXXX XXXX XXXX XXXX XXXX {$21.00} ( Paid ) In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN reporting inaccurate credit information on my credit report. On XX/XX/XXXX I asked EXPERIAN ( via certified mail ) for verification to show me any valid documentation with my SIGNATURE that I give permission to these companies to run my credit report. EXPERIAN FAILED to provide me with any valid proof and continue to report inaccurate information on my credit report. EXPERIAN failed to do a proper investigation. Because of this inaccurate INQUIRES reported on my credit report. I was denied for apartment rental, denied for a car loan, I could not apply for anything. The most painful time of my life, especially now in COVID-19. PLEASE HELP. ( please see attached ). EXPERIAN violated the federal law and FCRA law. 

They fail to provide me any evidence, they refuse to delete the inaccurate information from the credit report. And they said the item was verified as accurate without any clear evidence. They completely ignored my mail and communication. 

The following HARD inquiries were without authorization, and for no legitimate business purposes. I HAVE NOT AUTHORIZED. As such, it is a very serious error in reporting. 

MUST BE DELETED IMMEDIATELY : : XXXX XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX / Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXXXXXXXXXX XXXX XXXXXXXX in XXXX and when i enrolled in school i was told due to me receiving XXXX income i am not Intitle to pay back the Student loan, Now i filled taxes and the government has told me that they cant make me pay back off of low income base money and they said that there scamming me out out of money on my credit report that i do not owe i get all my taxes and never gets garnish so i know there lying plus i am XXXX XXXX XXXX so its not cool on what they are putting on my credit report. its fraudulent information please make them remove this scamming information off my credit report.
Product: Money transfer, virtual currency, or money service

Paypal has been holding a total of {$110.00} in my account on reserve since XXXX of 2017. 

They will not release my money. 

They made unreasonable requests for me to submit " business documents '' to them to get my money released. I explained that I am not operating a business. 

At one point they indicated that they had set a minimum reserve on my account for over {>= $1,000,000} USD which is absurd and unreasonable. 

I attempted to close my account and they declined my request. 

There is no reason at all for my money to be held XXXX by this company for nearly 24 months without any valid explanation whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA mandates that only credit transaction can be reported on the consumer credit report. This company open sky continue to violate federal codes by reporting late payments which is not considered part of the credit transaction history which ultimately is effecting credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter certified mail out to XXXX, Equifax, and XXXX regarding incorrect addresses. Unfortunately they are refusing to remove the inaccurate addresses.
Product: Credit card

Did not receive XXXX paper statement in mail. Confirmed US Mail option is checked. Called cust serv. CSR said that paperless option must be checked. Not true, I 've historically received paper statements and I confirmed before calling Citi that paper option checked. They refused to credit {$25.00} fee. I cancelled this CC account. Very disappointed in Citi as this appears to be fraudulent and a means to a money grab.
Product: Credit card or prepaid card

On Monday, XX/XX/2021 my wallet was taken from my vehicle without my knowledge. I was not aware that my wallet was taken until I received a text message on XX/XX/2021 from my primary bank XXXX that unusual activity had been detected on my card. Soon after I received another notification from Chase that unusual activity had been detected on my account. I immediately got in contact with every financial institution I have a relationship with to cancel my credit cards. I also filed a police report that same day XXXX XX/XX/XXXX XXXX. XXXX reversed the charges immediately. XXXX also reversed all charges. I informed Chase on XX/XX/2021 that my wallet, including my Chase Slate card ending in XXXX had also been taken. 

The disputed transactions include a {$500.00} charge at XXXX XXXX in a city that I do not live in. A {$180.00} charge at XXXX in a city I do not live in. And an {$18.00} charge at XXXX in a city that I do not live in. All these purchases were made on XX/XX/2021. The time of the purchases is not printed on my statement. 

On XX/XX/2021, I received a letter from Chase stating that a fraud team had reviewed my claim and that the charges would be reinstated because they were valid. I was never contacted by any Chase employee or agent during this first investigation. I called Chase as soon as I received the letter to inform them that their conclusion was in error. I was directed over the phone to send supplemental information to an email address with my name last 4 digits of the card number and any supporting documents. Along with the information they requested I sent two police reports that I filed on XX/XX/2021, screenshots of the usual activity notifications that I had received from Chase, XXXX, and XXXX ; and the notice of Fraud on my accounts that I filed with XXXX  on XX/XX/2021. 

On XX/XX/2021 I received a second letter stating that the transactions were valid and reinstating the charges. I was never called for this second investigation and I was never informed that the documents I provided were insufficient to establish my claim. This second letter also referenced an incorrect account number. On XX/XX/2021, I sent a letter via XXXX to Chase notifying them of their obligations under Fair Credit Billing Act and laying out in detail the nature of my claim and sending additional supporting documents such as a bill to replace my driver 's license that was taken along with my wallet, resolution of the dispute in my favor with other institutions, text message communications with my landlord on the day XXXX found out that my car had been broken into, my location on XXXX XXXX  on the day of the purchases, and other documents supporting my fraud claim. 

I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alerted on XX/XX/XXXX that my personal information could have been affected by the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX , XXXX  Account number XXXX, XXXX  account number XXXX, XXXX  account number XXXX, XXXX  Account # XXXX, XXXX  Account Number XXXX, has violated my rights.

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
Product: Money transfer, virtual currency, or money service

I bought a account for my XXXX on this website called XXXX he is false advertising and taking people money & no one is shutting his website down. I gave him XXXX dollars XX/XX/XXXX I contacted my bank they say theres nothing they can do.
Product: Debt collection

I have disputed this charge on numerous occasions. They have continued to contact me and my family and friends. This was an account that was opened under my social, without my knowledge. Collection is still showing on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently under legal litigation. XXXX is required to forgive the remaining balance on loans. XXXX will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, XXXX knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. XXXX needs to remove their collection from my Experian and XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined the United States Military in XXXX shortly after that I wanted to start establishing credit. When applying for a loan in XXXX equifax stated they could not find me in the system when using my info. XXXX XXXX XXXX XXXX tried to help me get through to equifax but with no success. XX/XX/XXXX I went to apply for a home loan but equifax did not show up on report. XXXX and XXXX both gave me scores regarding my credit. I have sent in the required documentation over six times they always state they do not receive my paperwork so I sent it certified, they write back letter asking for the same documentation we sent in and stating they can not find me in the system. I have reached out by phone to equifax and get home up on several times or they say I need to send in the documentation. I am unable to build my credit if my equifax score acts like its frozen but they can not find me in their system based on my info/social security info.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit card or prepaid card

On XX/XX/2021 I saw fraudulent charges on my credit card statement, I called Capitol one right away to cancel card. My computer was hacked remotely, and my information was stolen. I then called the credit bureau to place a fraud alert on my credit reports. The hackers had placed almost {$1000.00} worth of fraudulent charges, which capitol one reversed all but 2 charges.1 for XXXX and the 2nd for XXXX. Telling me that these were legitimate due to the address verification, which they had because they hacked remotely and charged through my computer. And Capitol one is supposed to have 0 liability for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello went to court for XXXX  XXXX where I was XXXX  and my XXXX I changed my name and to protect myself from my abuses. My first last and middle name was changed. my social security number and birthday stayed the same. My new name was added to public record by a person without authorization. I went to use my new credentials and they were added to my old name with out my permission. My phones and emails and banking was compromised in the past by my XXXX. this is how he would locate me. A person in the banking institution at his request put me social in and she added my new name to a database as an extension of his abuse. In the past her put me in a position where I could not live independent upon him. He damaged my privileges with every credit institution I can think of. Now this institution have my new name attached to old records which I didn't authorize please help.
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with XXXX requirements to CommonWealth Financial. I had my XXXX XXXX Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
Product: Credit card or prepaid card

I order a replacement card but it didn't go through.
Product: Checking or savings account

On XXXX XXXX, 2023 I deposited XXXX dollars in my business account. Bank of America sent me an email confirmation stating that my check was deposited and that the check will be cleared and available on XXXX XXXX 2023. When I tried to access my business account online, It was saying user not found. I called Bank of America on XX/XX/2023  and the customer service representative told me that my account was open but my card is locked. She said call risk management on XXXX XXXX, 2023. I called on XX/XX/2023 and Bank of America said that they closed my account and it will be finalized on XXXX XXXX 2023. I asked why and they replied we dont have to say why we closed your account. Bank of America said they would send me a cashiers check after the check is cleared. I called Bank of America today which is XX/XX/2023 and asked to speak with a manger. The manger said that my check that I had deposited was still being verified and she cant give me an estimate time when it would be done. So, I asked the manager if we could do a conference call with the bank to verify the check and she said no. So I called and asked the business that issued me the check and they said it had been cleared on XXXX XXXX2023. Bank of America has cleared my check already and I have the copy showing when they cleared it. I got the information from the person who wrote the check out to me. I am really disappointed in how this is being handled. I would never recommend Bank of America to anyone. This is discrimination.
Product: Credit card

On XXXX XXXX, 2016, I logged onto CitiCards.com to pay XXXX bills associated with XXXX credit card accounts I hold with them, as I do each month. Due to my financial circumstances, I can only afford to pay the minimum payment on each card right now. I paid the minimum payment amount on each card like I 've been doing for years. No missed or late payments EVER. These funds usually get deducted from my checking account. I go to use my checking account debit card today XXXX XXXX XXXX XXXX to buy groceries and it 's declined. I check my checking account to see that a total of {$14000.00} has been deducted from CitiCards to pay off the remaining balances on my cards. I assumed this was due to an error with their online payment system, because I did not authorize them to do this. I called CitiCards, and all they could tell me was, " Sorry, there 's nothing we can do, the transaction is in place, call your bank. '' I 'm sorry, but as a customer for several years, with no late payments or other issues with previous transactions, I do n't think this an acceptable way for a credit card company to act to a customer who just had several thousand dollars incorrectly deducted from their checking account. They did NOTHING to try to resolve my situation as I was hysterically crying on the phone. We are about to be hit with a blizzard in my state, and now I have no money. Basically they just said it was an issue between me and the bank that I hold my checking account with. I do n't believe there is nothing they could have done to stop this transaction. As a major financial institution with billions of dollars, I doubt fixing my error would be a huge sacrifice for them. They need to accept responsibility for their operations. Disgusting.