23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, and the information listed below on my credit report is a direct result of that XXXX. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXAccount # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX & XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX XXXXAccount # : XXXX Date Opened : XX/XX/XXXX XXXXccount # : XXXX Date Opened : XX/XX/XXXX XXXXccount # : XXXX Date Opened : XXXX XXXX Account # : XX/XX/XXXX XXXX Date Opened : Type : Reference # : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

NEVER USE PAYPAL!

We purchased an electric lawnmower for {$2200.00} using PayPal. This turned out to be a fraud. We never received anything! We filed a dispute in XXXX of XXXX with PayPal. Paypal agreed it was fraud and reimbursed us. Then they billed us for the no show lawnmower again and our auto pay from our XXXX XXXX  automatically paid PayPal for the incorrect charge. We have been filing disputes and getting refunded and re- billed ever since. We have spent hours and hours trying to resolve this. We have all the documentation to prove we do not owe PayPal anything, in fact, they owe us for interest they charged and {$50.00} they neglected to reimburse us. Now Paypal has charged us twice for this and our account reads that WE owe THEM {$4500.00}!!! We are a retired couple on XXXX income. My husband is XXXX with XXXX. This grievous abuse is causing us so much stress. PLEASE PLEASE HELP US!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXXXXXX - Balance {$5000.00} Date opened XX/XX/XXXX XXXX # XXXX - Balance {$2900.00} -Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX # XXXX -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$990.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

We open an account with M & T Bank with the amount of {$25.00} dollars and later on deposit the amount of XXXX on the day of XX/XX/year> that was split into two different account saving and checking account split equally an then a second amount of XXXX cent that was also split equally. And then the money started being used without my knowledge. I question it to the bank the bank did reimburse some of it but it kept happening for larger amount like through the web XXXX  concert 's tickets XXXX XXXX XXXXXXXX and many more. We made an appointment with the bank regarding the matter and was told that their will be investigation into the matter but then got to find out there wasn't no investigation. We was told by upper management that we have to close the account because we are making the bank lose money. Because Everytime we put a claim in they deny it and said that we did not want to do investigation which was a lie an was also told not to come back to the bank again.
Product: Debt collection

On XX/XX/2018 I contacted Health Receivables Group. I wanted to pay a XXXX medical debt on my XXXX credit report. When I contacted them, they also stated, there was another bill in their office for XXXX. So I paid both of these. They also had more medical bills from when I became XXXX, so I made payment arrangements of XXXX a month to come out of my XXXX every month. I contacted XXXX and asked them why this was on my credit report still and they stated I needed to file a dispute. The dispute came back I still owed the XXXX even though I paid it. So I called Healthcare Receivables Group up and they said they never said that. I filed two more disputes and they it came back I still owed that amount. I am enclosing the credit charge to show that I paid that. The payment in the photo attachment is shown under HRG. And it should be removed. I am also stating if I am paying XXXX a month on the bills owed, they should be showing up on my credit report for the other medical bills on my credit report. But, they are not reporting the amounts on my credit report that I am paying like the other collection agencies and this directly affects my credit report which I am trying to clean up even on a small limited income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX   XXXX - the truck that I wanted was at Chrysler but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through Chryslercap. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because Chryslercap had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that Chrysler then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with Chrysler no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call Chrysler.
Product: Debt collection

FlexLending , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Re : Dispute of Account Reporting Alleged Charge-Off Dear FlexLending , LLC, I am writing to formally dispute the reporting of an account associated with your company that appears on my credit report. The account in question lists the following details : Creditor Name : FlexLending , LLC Account Status : Charge-off Last Payment : XX/XX/year> Closed Date : XX/XX/year> I have no knowledge of this account, and I firmly dispute its validity. Furthermore, the account is being reported as a " charge-off '' while also showing late payments, which is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). Once an account is charged off, it can not simultaneously have ongoing late payments reported. This reporting method is misleading and harmful to my credit report. 

Under the FCRA, you are required to : Provide Verification : Verify the accuracy of the information being reported. 
Correct Inaccuracies : If the account can not be verified or contains incorrect information, it must be removed from my credit file immediately. 
Cease Reporting During Dispute Resolution : While investigating this dispute, the account should not be reported in a manner that suggests delinquency. 
I am requesting that you immediately investigate this matter and provide documentation proving that this account belongs to me. If you can not provide sufficient evidence, the account must be removed from all credit reporting agencies. 

Additionally, I request that you cease all collection efforts related to this account until the dispute is resolved, as required by law. Please provide the following documentation within 30 days : A copy of the signed contract or agreement associated with this alleged account. 
An account statement showing how the alleged balance was calculated. 
Documentation verifying the reporting of this account complies with FCRA standards. 
Failure to respond adequately to this dispute within 30 days will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's Office. I reserve the right to pursue all remedies available to me under the FCRA, including legal action for damages caused by inaccurate reporting. 

Please confirm receipt of this letter and provide a response in writing to the address listed above.
Product: Checking or savings account

XX/XX/2024 Bank of America sent the notice that my claim wasnt approve.
Product: Bank account or service

I was making a PayPal transaction, and I noticed an ad for a {$10.00} dollar discount on my purchase if I signed up for PayPal Credit. I started filling out the form, but I saw that the credit would n't be applied until after my credit report was approved, so I cancelled the process. Later I made another PayPal transaction, and it was charged to my new PayPal Credit account without my knowledge. I paid the balance and explicitly changed the default payment method to my bank account, but my next purchase was charged to the credit account without my knowledge. They now tell me I owe over {$90.00} in interest and late fees and interest on a small purchase. I have contacted their customer service department several times, but they have given me nonsensical responses. They continue to call me multiple times a day. I have closed me PayPal Credit account and my regular PayPal account. I 've read that you have fined them last years for just these practices, but they continue. Please help me.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi yes I have been getting on XXXX XXXX when I checked my credit score I happen to see XXXX  XXXX XXXX XXXX for the amount of XXXX I disputed it with XXXX in XXXX XXXX and XXXX times in XXXX of this year XXXX every time I dispute it they leave it on my credit report it was open in XXXX of XXXX  is open fraudulent I have not been to XXXX XXXX XXXX XXXX in XXXX of XXXX  it also popped up on my XXXX report I disputed it they removed it some reason XXXX will not remove.
Product: Mortgage

In XXXX XXXX, I obtained a mortgage loan with CCO Finance through Citizens Bank. I was required by Citizens to open up a checking account and pay the loan from this account, which I did. I opened up the checking account at Citizens with {$500.00} and funded the new Citizens checking account by setting up a monthly automatic draw from my checking account at XXXX XXXX XXXX. I confirmed that the XXXX and XXXX XXXX payment to CCO mortgage was timely paid ; I then stopped reviewing this account as it was on autopay. Twenty-two months later, in XXXX XXXX I received a letter from Citizens that I owed the bank {$2300.00} in penalties and interest as each payment from XXXX to Citizens was deemed late. 
According to Citizens, most auto transfers from XXXX were late. According to XXXX, the monies timely cleared each month from the beginning of this loan. I provided XXXX substantiating documentation to Citizens showing each XXXX payment timely cleared. 
Based on the XXXX and XXXX records, of the 21 autopays ( which was made by check from XXXX to Citizens ) ; 10 cleared on the day the check was received ; 5 cleared 1 day later ; 1 cleared 2 days later ; 2 cleared 3 days later and 3 cleared 4 days later. I inquired why is took upwards to 4 days for a check to clear from an account with history ; Citizens was unable to provide an answer to this question. 
Citizens set up an overdraft protection account and drew from this account each month. I never set up the overdraft protection account. I specifically requested documentation from the bank showing I set up this account ; they are not able to provide this documentation. 
I asked Citizens why they informed me of this overdraft situation after 22 months ; they were not able to answer this question. 
I closed the aforementioned Citizens checking account in XXXX XXXX and paid directly ( autopay ) from my XXXX account. There have been no late payments since XXXX XXXX. 
I determined that of the {$2300.00} ; {$1800.00} was monies from the Citizens overdraft account and this amount was paid back to Citizens. Citizens still claims I owe {$740.00} in penalties and interest. 
I pay some XXXX creditors monthly for personal and business purposes using autopay and never have had a problem with late autopayments. 
I spoke with numerous Citizens representatives over a six month period in an attempt to resolve this matter. 
I spoke several times with a representative from the Citizen 's Office of Chairman in an attempt to resolve this matter and provided all relevant documentation. 
Citizens just sent the remaining {$740.00} to a collection agency.
Product: Mortgage

I was in forbearance due to COVID-19 with MyLoanCare for my mortgage and anticipated exiting in XX/XX/2020. I set up a payment arrangement for my payment plan to get caught up and made a {$2000.00} payment at that time. I was told that I would receive a packet in the mail that needed to be signed. I never received a pack but called and made another payment manually. They said they would send out another packet to enter the plan. Again, I never received the packet. Since then I have called and e-mailed multiple times about my plan and have tried to make a payment, but have been unsuccessful. I finally received a letter today saying that they were going to start foreclosure proceedings. I called and was able to speak to a representative, however, they have no record of my repayment plan or payments and said that they reported me to the credit agencies ( the agent was " XXXX '' # XXXX XXXX. I am fully prepared to pay a large portion of what I owe. I just need to be able to make a payment! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Bureau refuses to remove two tax liens on my credit report.  I have disputed both of them 9 times in the past 9 months.  I had filed disputes with XXXX and XXXX and they both removed the tax lien information.  I have received letters from both the IRS Federal and The State of Michigan saying that the amounts are paid and the information should be removed.  I sent copies of these letters to TransUnion.  They still refuse to remove the lien information.  I filed a dispute again today.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : Capital One ( Account # ) : XXXX, Capital One Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX  XXXX XXXX account XXXX XXXX XXXX, XXXX XXXX  account XXXX XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX and XXXX Bank has violated my rights. Under [ 15 U.S.C. 1681 ] section 602, states I have the right to privacy. [ 15 U.S.C. 1681 ] section 604A section 2, it also states the consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 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.
Product: Credit reporting or other personal consumer reports

Filed dispute with Chex Systems about denial reason on Adverse Action Letter from XXXX XXXX XXXX XXXX in regards to opening an Deposit Account and cited the reasons given. 
I want to the information to be verified and I want to know the method of verification. 
Previous complaint XXXX response was not sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute this account XXXX/XXXX  and the student loans on my credit file and it was deleted then it came back on I didn't received to verification for this account in the mail at all from the creditor or the credit bureau at all I never do and when I dispute something as fraud and I report it to the FTC all they say is account verify as accurate because they verify my name address what verification is that and I never received anything in the mail at all I submit my letter my FTC report my ID I do my part but the credit report is not
Product: Credit reporting or other personal consumer reports

I spoke to a Representative and she told me to send information to identify myself. She sent me a link in which I had to upload my passport. Once she received that she confirmed my contact information. She told me to send in a dopey of my drivers license, copies of my tax returns with the social security number showing, copies of utility bills, pay stubs showing my address and name. I sent all this information in and she gave me a confirmation number. The confirmation number is XXXX. Im still unable to see my credit report. This information needs to be fixed because I did what I was suppose to do and in order for me to monitor my credit I must be able to see my credit report. Please fix this because this goes against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A INVESTIGATION REQUEST OR SUPPRESSION OF THE ACCOUNT. THIS IS A DEMAND TO PERMANENTLY DELETE MY INFORMATION FROM YOUR RECORDS. 
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. 
INNOVIS has violated 15 U.S. Code 1681b ( 2 ) by furnishing these items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. PROVING I GAVE YOU WRITTEN PERMISSION TO FURNISH THESE. I ALSO DEMAND THE INNOVIS VERIFICATION METHOD. WITHOUT RECOURSE. I HAVE WRITTEN TO YOU TWICE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Product: Debt collection

XXXX XXXX  sold an account to LVNV Funding. I have submitted disputes with XXXX XXXX and have been told XXXX is buying back the account from LVNV Funding. However LVNV Funding has no record of that and states that I am responsible for the debt and need to pay it. I am now being contacted by XXXX XXXX XXXX about the debt and getting told its in legal and I need to pay it or be sued even though I have advised them of what the original creditor had stated. No one at Resurgences capital or XXXX XXXX XXXX have access to LVNV funding information they are only tasked to collect the debt of which I do not owe. LVNV Funding is also reporting multiple inaccuracies to the Credit Reporting agencies.
Product: Debt collection

I need this charge taken off of my credit history. It is affecting very bad and I cant get approved anywhere. When I did a voluntary surrender of this vehicle I was notified by the customer service rep that it wasnt going to affect my credit score. When the vehicle was auctioned off they told me that they sold it for the a higher amount that I owed on the loan so I dont know why there is still money pending. At the time I was going through a very bad hardship and I was let go from work so I had to let go of the vehicle.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 


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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.