23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is REVCO SOLUTIONS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, REVCO SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) REVCO SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XX/XX/XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where REVCO SOLUTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. REVCO SOLUTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

Barclays reported an account to the credit bureaus and has been contacting me about this debt they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report. 
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX XXXX or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I am requesting just this or I will be forced to take legal action against Barclays at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified documents well as a copy of the document itself and the response I received from Barclays regarding this account on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof.
Product: Money transfer, virtual currency, or money service

Cashapp/Block Inc. closed my dispute claiming no error had occurred, when in fact an unknown person stole my wallet and phone. I am a victim of a criminal act that I had NO control over! The XXXX XXXX  XXXX  confirms I was targeted by an unknown female. The suspect has not been located. It has now been 8 months. You are breaking the FTC law and
CRM code. I want my own money back. XXXX XXXX XXXX states that you ( cashapp/Block ) are covered and should be reimbursing me as they refuse to do so. READ the attachments.
Product: Credit reporting or other personal consumer reports

In Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Debt collection

I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection. I've had insurance for past 10 yrs. 
Thank You
Product: Checking or savings account

On XX/XX/year> I received a deposit over the counter for {$8000.00} from a company that my brother uses the services, and he should pay them after I confirmed to him that I could use those funds. Because it was a check, we know funds are blocked from use until the Bank verifies the funds are available. It was not the case. On XX/XX/year> I processed a transfer for {$5000.00} and authorized my brother to pay the {$8000.00} because my bank allowed me to use the funds meaning the deposit was successful. ( my brother doesn't have a bank account in XXXX, he uses a company service that offers to lend money by depositing in a bank account, and after confirmation the funds are available, they charge a 6 % commission ). 
On XX/XX/year> another deposit was made to my account for {$8000.00} ( I didn't know about it ) then on the same day a return deposit for {$8000.00}, then on XX/XX/year> another return deposit for the same amount. Clearly, it was a fraud, but I opened a claim with my bank, not for fraud, it was for a reimbursement of {$8000.00}. I complained about why the bank allowed me to use money that did not exist and made me take the bad decision to authorize payment to the fraud company. The bank denied the claim saying THE ACTIVITY/TRANSACTION WAS AUTHORIZED BY ME. They sent me proof that I don't understand how I can made deposit over the counter in XXXX  and XXXX if I live in XXXX I asked the bank to show me the ID of the person who made the deposit and pictures, and they said " We already concluded the case ''.
Product: Mortgage

I bought a house in XXXX XXXX with my husband in XXXX for XXXX and we put down a deposit of approximately XXXX. 

We fell behind on some payments in XXXX and Wells Fargo started the foreclosure process. I begged and pleaded to try and sort something out as we were suffering financial hardship however Wells Fargo simply did not care. We felt forced to accept a short sale of XXXX despite the house having been appraised at XXXX in XXXX. 

We initially used a lender from California who quickly sold the mortgage to Wells Fargo. 

We literally lost everything and never financially recovered. We were abused by the bank and the so called XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company hasn't responded to me nor fixed the lies they put on my credit report. The courts told me they dont share any information with this company nor do any business with this company so no bankruptcy and all these other lies should be on my credit report. This is deflamation of my character. I have been turned down by other companies because of these lies on my credit report. 

Delete all these lies off my credit report.
Product: Mortgage

Truist 's website doesn't clearly display pending payments, so it's difficult to determine whether you've paid your mortgage. I accidentally paid mine twice this month because the pending transaction wasn't under " Upcoming Payments '' but rather under " Transfers from External Accounts '' which made me overdrawn on my checking account. This occurred even though I was using Truist to schedule the transaction ( e.g. I didn't use my bank 's Bill Pay option but rather I scheduled the transaction as an ACH directly with Truist itself ).
Product: Credit reporting or other personal consumer reports

I went through financial hardship. Account went into collections. I paid the collection amount off. The company stated they would remove it off all credit bureaus. Now on my credit report, it shows a payment status of " Collection/Chargeoff ''. This is false information since this has been paid off. If a debt is listed as charged off when it has been paid in full or settled, it is considered inaccurate information and violates the FCRA. Credit reporting agencies must update information on a credit report to reflect accurate changes, including when a debt is paid off or settled. Please see attachment.
Product: Debt collection

I owe IQ Data International approximately XXXX XXXX XXXX$12000.00} in rental debt. The exact amount is unknown. I called IQ Data International on XX/XX/year> to request a debt validation letter to ensure this debt is valid and that the amount they're requesting is valid. They refused to provide one, stating " they are not obligated to prove anything and that I implied the debt was valid by contacting them. '' I asked them if they would be willing to work out a payment plan so I can pay back this debt in portions. They then threatened that a sheriff would be at my house by XXXX if I did not pay the debt in full and that my life would be ruined and I would never be allowed to rent an apartment again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my fraud alerts removed from my Experian Credit report.
Product: Mortgage

Greetings, Re : Community Loan Servicing : Mortgage Fraud I purchase my home XX/XX/XXXX and Paid it Off. XX/XX/XXXX Community Loan Servicing, LLC sent me a new Mortgage Loan in the amount of {$110000.00} from their company. 
they appear to be using fraudulent information that's not there's. 
My wife and I was victims of Identity Theft # XXXX and was documented with a police report. They appear to be using fraudulent information that's not there's. 

However, I never refinance nor applied for a Mortgage with this company ever. I have asked them to provide original Community loan documentation. As of this date they have not provide proper Mortgage Documents. 
Every time we clear this matter up with former Mortgage Loan Company and they close their claim. A new Loan and/or Mortgage Company files complaints with the Three Credit Agencies for nonpayment of a Mortgage I do not owe. I need your help with this matter. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information on my credit report is invalid. I am interested in disputing all inaccuracies on my credit report with transunion to help my file.
Product: Money transfer, virtual currency, or money service

I created a PayPal account for my business invoices too keep a paper trail of the invoices I create and I kept a card saved to the PayPal account, unfortunately my PayPal account was compromised and whoever accessed it spent a total of {$710.00} with the card I had saved on the PayPal account. I contacted PayPal to dispute this transaction because it was unauthorized, the customer service representative I spoke with in the dispute department was able to go in and further review my dispute while on the phone with me along with the said transaction and deemed that the transaction was fraudulent because she seen the address that the person used was not my address. She assured me that my money would be returned to me within 5 business days but no sooner then I got off the phone with her I got an email from PayPal that they investigated the dispute and concurred that no error occurred and insult of me filing a dispute they permanently suspended my PayPal account which I feel is a form of retaliation and absolutely unfair, anyone that has money stolen from them will file a dispute that is the lawful thing to do. Furthermore I received an email from XXXX from the executive team which is the person that took it upon herself to permanently suspend my account because I filed a dispute that my money was stolen from me via PayPal platform. She also went on to say that she feel the transaction is not fraudulent and because of that I would not be receiving a refund. I was still able to contact PayPal dispute department and have them appeal this decision because it is Indeed fraudulent, and the non matching address should further prove that. But I am filing a complaint due to the derogatory treatment I have received from PayPal all because I filed a dispute. Which is my right, I feel I was retaliated against in the most predatory manner, and I want to make the type of business PayPal conducts known, along with the type of fraudulent behavior they condone in their platform, I am hoping with the appeal that I have made I am refunded my money or I will be taking this matter to the media and if needed a litigation. 

XXXX XXXX XXXX Theyre two different case numbers because the first one is the fraudulent case that was denied and when I called back to speak with a representative they informed that they would have to change the dispute type to get it appealed which generated a new case number.
Product: Credit reporting or other personal consumer reports

My credit report contains items resulting from fraud, none of which I ever authorized or benefited from. This situation is deeply troubling and feels like a defamation of my character. It is incredibly frustrating and disheartening to see my rights as a consumer being blatantly disregarded. I have already reported this fraud to the Federal Trade Commission, yet these fraudulent items still remain on my credit report. Its disappointing to rely on systems meant to protect individuals like me and see no resolution to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Experian, they say I have already received my credit report and not eligible for another one. In XXXX was my first time viewing my credit report since XXXX. I will need a free personal credit report. Also l believe my information is inaccurate due to fraud. I am requesting a credit freeze to be placed on Experian Credit Report. In addition please limit prescribed offers of credit, promotional inquiries and insurance based on information in my credit report. I am looking to seek damages from violators and dispute incomplete or inaccurate information. 

Sincerely,
Product: Debt collection

XXXX XXXX XXXX opened a collection of {$47000.00} to my credit account, I do not owe with XXXX XXXX XXXX  and XXXX XXXX XXXX was asking for information that was impossible for me to attain to dispute the account ( I needed proof of utilities payment in my name during a period of time I was living as a dependent under my parents ). XXXX verified false information that XXXX XXXX XXXX used to open the collections on my report and subsequently updated my credit report with that false information. At the time, I was trying to achieve a personal loan to help re-instate my parents ' mortgage they inherited from my recently passed grandparents to prevent their foreclosure. I can not find a loan anywhere due to the impact the fraud has had on my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously on XX/XX/XXXX and XX/XX/XXXX I had submitted a request for a mortgage account to be reviewed and repaired based on some concerns that I had noticed. While a couple of errors have been repaired the account still largely remains inaccurate and the bureau has not offered any proof that they are in fact correct. 
I have specifically asked for proof from all three bureaus as to why the " date opened '' for XXXX shows as XX/XX/XXXX but on Experian and XXXX  it shows as XX/XX/XXXX I have specifically asked why XXXX  and XXXX show a " payment status '' as Late 120 Days, Experian shows a " payment status '' as " Late 180 Days '' all on a closed account and XXXX is even reporting an " ok '' payment history clear through today ; again on a closed account. 
I have specifically asked why XXXX shows a " date last active '' of XX/XX/XXXX where Experian shows it as XX/XX/XXXX, and XXXX shows it as XX/XX/XXXX. Still no eveidence of accuracy or correction to the account at all on any of the bureau 's part. 
I have repeatedly asked why the " date of last payment '' is reporting as XX/XX/XXXX for XXXX  and Experian but XX/XX/XXXX for XXXX  and again no response other that " verified as accurate '' or " updated '' with no corresponding proof. 
I also reached out to the mortgage company listed with the address that the bureaus provided and my certified mail was returned not deliverable.
Product: Mortgage

I applied to get a home equity line of credit with XXXXXXXX XXXX. On XX/XX/XXXX, I faxed a letter to my mortgage carrier, Seterus to get a letter stating that a previous loan showing on the property title report was satisfied. I bought the home in XXXX with an FHA loan from XXXX XXXX. XXXX XXXX sold the loan to Seterus. In XXXX, I refinanced with XXXXXXXX XXXX  and the loan went back to Seterus. XXXX will not issue the line of credit until they have a letter from Seterus stating the prior mortgage was satisfied. I have contacted Seterus no less than eight times in an attempt to get a letter saying the previous lien was satisfied. I have been passed around and Seterus refuses to give me the lien release letter needed to show the previous lien was satisfied.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to credit bureau disputing some unauthorized hard inquiries on my credit report. After 30 days did not get a response about the investigation. Contacted credit bureau and spoke with the dispute department. They informed me stating that hard inquiries are not disputable. FCRA states any inaccurate items on a credit report must be verified. Company refuses to investigate items.
Product: Credit reporting or other personal consumer reports

I sent certified mail to CEO XXXX XXXX XXXX and Chief Executive Officer, TransUnion XXXX XXXX XXXX XXXX, XXXX, IL XXXX The company responded with a letter stating that my request was ineligible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

" All Rights Reserved ''
Product: Credit reporting or other personal consumer reports

About 18 months ago I chose to freeze my credit report information with all 3 repositories in order to prevent fraud. My financial advisors recommend such an action. 

In XX/XX/XXXX we opened a HELCO with Citizens Bank for {$120000.00} to pay for home improvement and taxes. We disbursed the full amount of the HELOC immediately. We have paid in full and on time every month since then. 

In XXXX of XXXX Citizens Bank began to report to the 3 repositories a 'Remarks ' coded as CLS which stands for Credit Line Suspended. The same Remarks has appeared every quarter since then, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any communication from Citizens Bank telling me my HELOC was suspended nor was there any reason to Suspend a HELOC that was already full disbursed and we were not asking for an increase in loan amount or any changes. 

I noticed this on my credit report in late XXXX because it was listed as 'Adverse Information ' by the credit repositories and therefore lowering my credit score significantly. 

In XX/XX/XXXX I called into to Citizens Bank to find out why they were coding my HELOC quarterly as Suspended. They told me that they quarterly they pull my credit report as a standard operating procedures for all HELOCs. They told me that since my credit information was frozen and they could not access it, they Suspended my account. The person I talked thought they would change this information once she submitted my explanation. 

Then in XX/XX/XXXX, Citizen sent me a letter saying 'they never reported me as delinquent ' therefore my case was closed with no changes. They totally missed the point. The Remarks CLS is what I asked to have removed. The repositories consider this Adverse Information.
Product: Credit card or prepaid card

I opened a dispute with Discover for the amount of {$2100.00} for an XXXX XXXX purchase that was never refunded.I ordered two bags and decided to return them both I called XXXX initiated the return process they sent me two return labels I packaged both items in each label and returned both same day the label was given which was XX/XX/2021 and was given proof of drop of by XXXX Both items were successfully delivered on XX/XX/2021 and XXXX only refunded one item on XX/XX/2021 when they were both dropped off the same day and delivered the same day so I called XXXX and they said they didnt receive one of my returns so I filed a chargeback with discover after trying several times to obtain a refund from XXXX. I have sent over proof to discover and yet they still dont do anything about it and favor on XXXX side stating how are they so sure those labels belong to XXXX and if they if they accepted my return, when those labels were given by XXXX and shows both tracking numbers being delivered I sent them all the proof they can possibly need which includes a proof of drop off receipt given by XXXX, proof of labels being given by XXXX via email, proof of delivery to XXXX warehouse that shows the address date time that also included signature by an XXXX employee accepting they received the package all the dates and times are on the proof and screens shots of conversations Ive had with XXXX, I have tried speaking to a manager at discover and theyre never available I have delivered my items and Discover still doesnt favor in my side after presenting strong evidence of me successfully dropping off packages and packages being delivered