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

onXXXX i sent letters to experian, XXXX and XXXX  disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that experian, XXXX and XXXX post on a credit report. Otherwise anyone paying for experian, XXXX and XXXX reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave experian, XXXX and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave experian, XXXX and XXXX XXXX report these account listed below on my consumer report. 
experian, XXXX and XXXX did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt experian, XXXX  and XXXX  must delete The following accounts and incorrect billing errors on my report 1.XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also XXXX XXXX XXXX arent licensed as a collection agency in the state of new york so they have no right to report on my report or try to collect debt. Cease and desist. 

2.XXXX XXXXXXXX Account Number XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XX/XX/XXXX or XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sears credit card reported I was in delinquency years ago. Ive never been delinquent in any bill in my life. The company doesnt have brick and mortar stores anymore but is still harming my credit score. It is absolutely incorrect information they are reporting.
Product: Credit reporting or other personal consumer reports

This account was deleted off my report on XX/XX/year> by Equifax and it still appears on my credit report, even after your investigation. I would like this item immediately removed. The inaccuracies are highly injurious to my credit score.
Product: Vehicle loan or lease

My loan thru Skopos was a few months behind due to sickness ( possibly XXXX  ) they accused me of having 3 returned payments which is impossible. They repoed my XXXX  XXXX XXXX  on during the social distancing, covid pandemic.. they have been unable to work with me although i am not able 2 work at the time however i need my car in order to take care of my sick elderly relatives
Product: Debt collection

I am filing a claim against the collector for violating the Fair Debt Collection Practices Act, which prohibits suing or threatening to sue for a time-barred debt. the contract was on XX/XX/XXXX for a oil leaking vehicle a XXXX vehicle, this debt is barred from collecting. Sec XXXX XXXX statute of limitations in contracts for sale ; contractual reduction. My wages are getting garnishment since XX/XX/XXXX its been 7 years and 7 months since this contract was entered. XXXX this company Roosen, Varchetti, and Oliver, PLLC. is violating the Fair Debt Collection Practices Sections : 440.2725 Statute of limitations in contracts for sale ; contractual reduction. 

Sec. 2725. 

MICHIGAN LAWS STATES : THE CONTRACT SALE SIGN DATE WAS XX/XX/XXXX Default date is a lie and the balance is a lie you have received over, {$9000.00} You have received all the balances state income taxes, and wages you are a fraud and a scam I will not stop fighting this till you go down. This oil leaking lemon was sold for {$500.00} that tells you that I will Pursue action against you. I will not stop. Till you be reported or lose your attorney license.
Product: Checking or savings account

I had chase bank for years and till XXXX I notice I got a fraud notification from the bank when I called XXXX customer service the rep said that once I confirmed it was me that someone was calling and speaking with another rep pretending to be me asking for my information that person would or persons hacked into my XXXX checking account so many times and do XXXX transactions make up names I had to even cancel my Chase account because it was so many times the fraud alert and even doing passwords and security questions and still who ever manage to keep hacking and doing XXXX that it was so traumatic to me I would literally call XXXX every single day till I went in person and just cancel my account they would continuously change my passwords of my account that I would get several messages of XXXX authentication which I didnt do and password changes which were not me XXXX sending pictures of false name they made up
Product: Debt collection

Grant & Weber is reporting an unpaid debt from XXXX hospital to credit reports. This is not my bill. There are multiple people with same name. Use my middle initial and date of birth to verify its not me. 
Remove the negative debt from my credit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

On XX/XX/XXXX debt collection agency contact family family member who who was not listed on the debt and released specific information about the debt and attempted to collect money from this family member. Contacted this same family member on XX/XX/XXXX and attempted to collect money a second time.
Product: Credit card

Macys credit card. Been an account holder since XXXX. Fraudulent use of card and automatic transfer from personal checking accounts to pay Macys credit card. 

The following transactions were not authorized : XX/XX/XXXX : {$130.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$350.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$1700.00} XX/XX/XXXX : {$660.00} XX/XX/XXXX : {$610.00} XX/XX/XXXX : {$2700.00} I only discovered the fraudulent activity when the bank with my checking accounts ( Chase ) notified me that a {$5000.00} payment was authorized and paid to Macys.

I called Macys and XXXX on XX/XX/XXXX to report the fraud. Macys cancelled the card and reported they would investigate. Macys also reported that the {$5000.00} payment to them was initiated using their telephone system. This is not how I pay them- I usually pay them by authorizing payment using my online account.

Macys issued a new card, but did not return the {$5000.00} that was taken, and instead, transferred the outstanding account balance from the fraudulent purchases to the new card/account. Although Macys was aware of the fraudulent transactions given my report and call, another unauthorized purchase for {$260.00} posted on XX/XX/XXXX. 

I have been given the following confirmation ID by Macys : XXXX and XXXX.
Product: Checking or savings account

On   XXXX   XXXX  ,  2017   , I had given a friend of mine my debit card to temporarily use. He had informed me that there was going to be a lot of transactions and deposits going to my bank account, and also asked me for my online banking login information. He told me not to worry and assured me that everything would be fine. Taking his word, I did not worry at all, although I was observing his activity from the online banking system.     The next day, I received some text notifications from my bank that my checking account was placed on a restriction due to the amount of activity associated with it. Not worried too much by it, I contacted the bank and cleared the restriction. Before the day had concluded, my online banking access had been completely revoked.     On   XX/XX/XXXX , I had co ntacted my bank to ask if my paycheck from my job ( which was direct deposited on that day ) was in my checking account. They told me that it was, but I would not be able to receive it due to checks that my friend had deposited to my checking and savings being considered counterfeit. They told me to give them until the   XX/XX/XXXX  to th oroughly look at the checks to see if they were real or not.     When the     XX/XX/XXXX  came aroun d, I had contacted in the early evening to learn that the checks were returned and that the only available funds out of both my checking and savings was {$290.00}. They also provided me the process for how to receive the funds.     The next morning, I went to a banking center to withdraw the above mentioned funds from my checkings while distraught by the realization of all that happened within that short couple of days.     I did n't learn of my accounts being officially closed until I went to a banking center  on the  XX/XX/XXXX  attempting t o clear a small negative balance in my savings account.
Product: Credit card or prepaid card

During XXXX shopping, I bought bean bag chairs from XXXX. During the checkout process, I was asked to open a store credit card. I declined and entered my credit card information. Without my permission, XXXX used my credit card account to open a store credit card with XXXX XXXX and then charged my purchase to that account. Well within the return period, we sent back the bean bag chairs and requested a refund. Instead of refunding the money to the credit account XXXX illegally opened for me, they issued a store credit. When I found out what was going on, I had XXXX apply to the refund to the XXXX account and requested that XXXX close the account. I complained to both XXXX and XXXX about the illegal account opening. I was told that the account was closed and paid in full. Now, XXXX is harassing me and charging me ridiculous late fees on the account I never opened. They said I owed {$32.00} ( or something near that amount ) for their trouble in opening an account I never requested be open. They list it as late fees and are continuing to charge me. The amount is simply absurd now, somewhere over {$300.00}. Again ... I NEVER OPENED AN ACCOUT WITH THEM. So ... how can they continue to charge late fees, call my employer, make negative credit reports and essentially work to ruin my life when they are the people who opened an account, WITHOUT MY PERMISSION!!???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureaus, or provide me with the exact source where did the Credit Bureaus received such information, so I may take appropriate legal action. I have read that the Credit Reporting Agencies are required to remove the fraudulent information that resulted due to identity theft. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I need the Credit bureaus to send me copies of proof of verification or any documents bearing my signature to support their claims. I need the following items deleted from my Credit File as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I received a letter in the mail from Comenity in regards to an open application for a XXXX XXXX XXXX XXXXXXXX Credit Card I did not apply for. The letter said to call them to finish the application. I called the number but told them I did not apply. The service representative took appropriate measures to deny the application and report it to the Federal Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my information corrected and updated on all of my credit reports but have yet to get anywhere with this matter. Because these companies are reporting incorrect information I can not obtain any credit in my name.
Product: Mortgage

I tried to get a home equity line of credit against my home at XXXX XXXX XXXX, XXXX XXXX, TX XXXX to assist in my down payment on my new home at XXXX XXXX XXXX, XXXX, CA. This method was one that was approved by my soon to be mortgage company. I went through my credit union and was approved for the funds. They got ready to process the paperwork, and found that BBVA compass was still on my loan documents in the 2nd position. My credit union contacted BBVA to ask that they remove this from my account. They refused. I contacted them and they wanted me to state that I still owed this amount. I told them that I did not owe them anything, and that they were supposed to complete paperwork within 30 or 60 days of receiving information from the bankruptcy courts and my bankruptcy attorneys ( I completed the bankruptcy process, and it has been cleared for over 6 years or so, I believe ). Because they did not do so, I no longer had a debt that was owed to BBVA. BBVA also tried to sue me in XXXX, XXXX, and I forwarded those documents to my bankruptcy attorneys, and they contacted BBVA 's attorneys to let them know that they did not complete the required paperwork, and therefore I did not owe them a debt. 

After that, the debt was removed from my credit and it is not shown anywhere. But, they are not removing their names from my mortgage. I almost lost my home in California because I was not able to secure the loan with my credit union. Below,  please find the email that I sent to XXXX Bankruptcy to try to get their assistance again. They no longer have my paperwork, it was turned over to the bankruptcy courts. 



XXXX XXXX XXXX To : XXXX Email, XXXX XX/XX/XXXX at XXXX XXXX  Hello XXXX Bankruptcy, This vendor is resurfacing . They were contacted by your office around the date of the prior email. When my account was dismissed, I was told by XXXX that they did not submit the paperwork needed to show that I still had an outstanding balance and that I owed them the difference. There was a form, but i can not recall what he said it was. He did contact Compass, and I had not heard anything else from them until recently. They are not even showing on any of my credit bureaus. 

I have applied for a loan, and they are on my title, and they are refusing to remove themselves. I feel that this is a violation, and against the law. I would like to have someone send information to them to show that they can not hold my property XXXX for a debt that I do not owe. I am on a tight timeline, and are really needing someone to assist me or direct me. 

They need something sent to XXXX. Or they can be reached at XXXX. 

My case # XXXX I really appreciate your time. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX shows an an inquiry on my credit report This was unauthorized and I didn't request any of this company 's services.
Product: Checking or savings account

I've sent a XXXX payment transfer from my XXXX XXXX to Capital One 360 about a week ago and the money has not arrived in my capital one 360 account. I've received confirmation from both banks that the money has been sent and received but it's not showing up on my account. I've contacted XXXX XXXX and Capital One 360 numerous times and spoke to the representatives and the supervisors there but they are not willing to fix this issue and give me my money back. The money is lost somewhere and the banks can not find it. I've sent money from my XXXX XXXX to Capital one 360 before using the same method and I've had no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called many times to have my hard inquires looked at. I have so many on to list! I have stated to remove all that werent linked to an account on my credit file and it still wasnt done. As I should mention I am XXXXXXXX XXXX XXXX. I had a man on my credit file with me and was recently deleted. My date of birth was incorrect an My spelling of my name, Which all was taken care of please review my inquires hard an soft as if none are connected to an exisiting account I need them removed as I have rights an would like to finally have some help fixing my credit with what this man has done. THANK YOU!!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows XXXX XXXX XXXX XXXX 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety
Product: Credit card

XXXX XXXX, XXXX XXXX customer Care XXXX Consumer Finance Protection Bureau Bank of America, XXXX Via : Website Complaint Submission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : account # XXXX XXXX XXXX XXXX To whom it may concern at Bank of America and the Consumer Finance Protection Bureau, Although I have written many letters about my dilemma, I will try to keep this recap short and to the point : 1. As with most Americans, I was severely impacted by the XX/XX/XXXX unprecedented financial crisis. 
2. My situation differs in that I took what I thought was the more honorable route. My debt relates to my former business, that I did not declare bankruptcy -- in other words, I did not " use the system ''. Who thought we would be in a long-term crisis? My business faulted when XXXX XXXX, owned by the XXXX XXXX XXXX did not pay their bills for product DELIVERED. This was just before the crisis hit! 
3. Much of my business expenses were charged to this card. If you look at the former credit limit, and money used against that credit limit, and on time payables, you will see that I was never a credit risk. 
4. During this period since XXXX this BOA account has been transferred from XXXX collection agency to another, so much so that I have lost track of who to submit payment : XXXX .... 
5. Recently I received demanding phone calls from another agency, name unknown, demanding payment without any written support. When I stated I would only submit payment when I received something official I was told, " You will be listed as uncooperative. '' I have amicably settled bills with XXXX and other credit agencies through these years- not BoA. Where are my rights? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XX/XX/2021 XXXX transferred to another servicer BSI financial services that's when my problem started
Product: Checking or savings account

I was trying to link my business account via XXXX to my XXXX online checking account for transferring funds and I get a message back the PNC wouldn't allow the connection despite entering the correct user name and password.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Fraudulent Account Reporting - XXXX XXXX XXXX Account Number : XXXX Balance : {$13000.00} To Whom It May Concern, I am writing to formally dispute and address a fraudulent account that is currently being reported on my credit file with Experian. The account in question, associated with XXXX XXXX XXXX, was opened on XX/XX/XXXX, and has a reported balance of {$13000.00}. This account has been improperly and fraudulently linked to my credit file and is the result of identity theft. 

The fraudulent activity on my credit report has caused significant distress, and I demand immediate resolution. The account has been reported in my name without my authorization or knowledge, and I have no affiliation with the account or XXXX XXXX XXXX. I was a victim of identity theft, and this fraudulent account is a direct consequence of that crime. 

To support my claim, I am submitting the following documents : A copy of my driver 's license A FTC Identity Theft Report ( Federal Trade Commission report detailing the theft ). 
A copy of my Social Security card. 
A copy of my recent utility bill to verify my identity and residence. 
I expect immediate investigation into this matter and the removal of this fraudulent account from my credit file.
Product: Debt collection

Sent a Debt validation request to Southwest Credit according to USC 1692g to validate the debt they in returned sent me paperwork of which is inside the attached files.. They verified the original creditor and that it is a consumer credit transaction This was a Consumer credit transaction, Everyone was credited so there is no need to attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Child Support Enforcement 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