23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THEY SENT NOTHING TO PROVE ANYTHING JUST A LETTER WITH A BALANCE! I RESPECTFULLY REQUEST XXXX INVESTIGATE THIS COMPANY AND IF YOU NEED TO HAVE THE INFO UPLOADED OF THE ONE PAGE THEY SENT I WILL BE HAPPY TO SEND OVER THEY SENT NOTHING TO PROVE THIS DEBT IS MINE NO SIGNATURES NO MEDICAL LABS NO DOC NOTES NO NOTHING I ASKED FOR THIS IN MY DEBT VALIDATION LETTER AND THEY SENT THE SAME 1 PAGE BALNCE WITH NOTHING ATTACH THIS DOES NOT PROVE THIS IS MY DEBT AND IT IS NOT MY DEBT!!! I WILL REPORT TO THE XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number : XXXX I am writing to request a detailed description of the verification method followed by your agency to verify this account as it doesn't belong to me. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681l, credit reporting agencies must provide a detailed description used to verify reporting within XXXX  days. Please Delete this account completely from my profile ASAP. XXXX has already acknowledged the error and has updated my credit report with their bureau. I'm requesting that your bureau do the same thing and update my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I mistakenly sent XXXX to the wrong person on cashapp. I recognized my mistake within 30 minutes and requested a dispute that was denied. I requested multiple refund requests per customer support that were never acknowledged. A support manager sent the terms and conditions via email which clearly indicate that they could in fact refund my money but I could never speak to a live manager. Each time I called customer support i spoke to a different person who was obviously not in a work environment because there was always babies crying or dogs barking loudly or people yelling or laughing in the background. Everyone I ever spoke to was extremely rude and disrespectful. All I am asking for is a refund for the money I sent to the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been victim of identity theft then inquiry without my knowledge from XXXX XXXX exquifax too XXXX is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX disorder then now I am not sure what else to do anymore then all my credit report XXXX beaten me up bullied and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX  off by police and sheriff and feds then plus treated as a XXXX XXXX to abuse the XXXX and XXXX and my family too doing this to me since XX/XX/1977 too and growing up so XXXX  since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and no one will help me to get me out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a XXXX or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything
Product: Checking or savings account

DID NOT RECEIVE MY 1099-INT FOR TAX YEAR 2019. CAN NOT FILE TAXES DUE TO BANK ERROR
Product: Debt collection

They are attempting collect a debt that i do not owe them. And they putting this account on my credit report and when i complain they take it off but to put it back on months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today XX/XX/XXXX and noticed that my score dropped XXXX points. When I went to check the cause XXXX XXXX was listed twice. Once for a credit card with a {$0.00} and then for car payments that has not been late. I have disputed the late pays once but why would my score change for old late payments and not recent late pays. I am disputing late pays for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Transunion is clearly in violation of the Fair Credit Reporting Act. I am absolutely fed up with them messing with my credit score and reporting inaccurate information. I send certified letters and it seems that my information gets ignored. Please assisting me in getting them to comply and report my information accurately. I have no late payments for XXXX  XXXX and my credit cards are at a {$0.00} balance
Product: Checking or savings account

There were two ( 2 ) charges made to my account ( {$1.00} and {$29.00} ) on XX/XX/2019 that was not authorized by me. I spoke to XXXX ( a supervisor ) from Citibank on XX/XX/2019 @ XXXX XXXX EST and she told me that she could not return my money back to my account. 

I would like you to help me get my money back.
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 XXXX USC XXXX, Account XXXX XXXX XXXX : XXXX XXXXXXXX, has violated my rights. XXXX U.S.C. XXXX ( 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

I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with XXXX bank. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with Experian, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. XXXX XXXX is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing 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

XX/XX/18 and XX/XX/18 WFDS made two separate fraudulent hard inquiries to my XXXX report. The contact phone number listed on the report is fake and no address for correspondence is shown. XXXX  has not tried to work with me to remove the fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting that a correction be made to my credit report after my credit card company XXXX had reported wrong information to all three bureaus. They incorrectly reported : XXXX 60 day late payment reported incorrectly on XX/XX/2020 Experian 30 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment incorrectly reported on XX/XX/2020 I have called at least 6 times to XXXX and was told verbally this error would be corrected with the next cycle of reporting, it never was. 
I have reported to each of the three credit reporting agencies who also would not correct the error even with XXXX stating it was incorrect info. 
This has been going on for months! 
I finally received a letter from XXXX stating the credit reports would be updated and incorrect info removed. 
I filed another dispute with all three bureaus yet I still have not had any corrections made to my reports. THE DOCUMENTATION YOU PROVIDED WITH YOUR DISPUTE BUT HAVE DETERMINED THAT IT WAS NOT SUFFICIENT TO MAKE THE CHANGES OR DELETIONS YOU REQUESTED '' I couldn't believe it! If the company which reported information made an error and are admitting to that error then who or what gives Experian the authority to state they will not fix it? Its wrong and if it is not fixed immediately I will have to file a suit! 

I have also demanded the credit reporting agencies to ADD the XXXX points that were deducted from my credit scores on all 3 reports to be added back to my score! 

I have not been able to get any corrections made and at this point I am demanding it be repaired, the negative info removed and my score to be updated by adding the XXXX points!
Product: Mortgage

We applied for a HELOC with Achieve. We reviewed all the applications and disclosures and there was no language on having an eminent domain on your deed would result in automatic denial of the HELOC. We were approved and when the loan got to underwriting, they noticed the eminent domain and was denied automatically. This is a company policy of Achieve. If there was a disclosure in the application process, we would have never applied and had a hard pull from our credit.
Product: Debt collection

I disputed the account with the credit reporting agency, contacted the original creditor who verified there has never been an account under my name, date of birth, or social security number. Yet the collection agency doesn't remove the negative and false information from my credit report.
Product: Credit reporting or other personal consumer reports

There are Alot Of Fraudulent accounts on my credit Reports Listed Below XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that I keep contacting credit bureaus about. I just turned XXXX and they are still reporting a XXXX XXXXXXXX  account and XXXX XXXX account on my credit report. I have sent proof of my age and my identification but they keep responding with the following : VERIFIED AS ACCURATE. I was XXXX years old when the account was established so its no way its mines. They even have my date of birth reported as XXXX on my credit report and show the account opening/closing in XXXX when I was XXXX. Please help! This is not fair to me.
Product: Credit reporting or other personal consumer reports

Credit reports XXXX inquiries on my report XXXX extended periods of time
Product: Debt collection

On XX/XX/2021, I sent in a request for validation to said Company LVNV FUNDING, certified mail. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit card or prepaid card

A credit account has been opened in my name and it was not me
Product: Credit card or prepaid card

On XX/XX/2022 aprox XXXX I attempted to obtain my account number. My statement did not have it available, the online option did not have it available. I didn't want a replacement card and was told that was the only way to obtain the account number. I wanted to pay off my card while obtaining funds for a balance transfer. I tried to explain that by law they should provide me my account number in order to make a payment. I could answer any security question requested if they had only asked. However, I was told the only way for me to obtain my card is to order a new replacement card and I could receive it in 10 business days.

This is incorrect and there should be a means to obtain my account number so I can send them a payment.
Product: Mortgage

Your Notice of Default and Notice of Intent to Foreclosure letter dated XXXX of past due balance of XXXX is invalid. Please see XXXX  XXXX XXXX letter dated XXXX confirming that all payments have been made on time and the correction requested by XXXX  XXXX XXXX to Specialized Loan Servicing of {$88.00} to complete the misapplied payment correction to our account. No payments have missed before or after loan transfer on XX/XX/XXXX. In addition, our credit report for XXXX reported by XXXX  XXXX XXXX has been reported as current. 

In addition, please correct the following ; 1 ) Correct misapplied payments of current payments after loan transfer XX/XX/XXXX 2 ) Correct the late fees waived from XXXX  XXXX XXXX of XXXX 3 ) Remove all accrued monthly late fees relating to misapplied payments from XX/XX/XXXX to XX/XX/XXXX 4 ) Remove all late payments reporting on our credit reports with all credit agencies from XXXX to XXXX 5 ) Correct Year to Date ( YTD ) XXXX and XXXX interest and principal paid for this account ( see excel spreadsheet ) Payments made before loan transfer XX/XX/XXXX : XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$220.00} applied as part principal and part interest XX/XX/XXXX {$240.00} applied as interest only ( XXXX  XXXX XXXX corrected misapplied payments from XX/XX/XXXX to XX/XX/XXXX to be applied as part interest, part payment corrected as of XX/XX/XXXX ) See loan transcript and XXXX  sheet summary. XXXX  XXXX XXXX removed delinquency as of XX/XX/XXXX. 

** XX/XX/XXXX {$240.00} applied as interest only. ( Correction to be completed by Specialized Loan Servicing, part principal portion missing ), the final correction request was made by XXXX  XXXX XXXX letter dated XXXX I have attached the following supporting documentation relating to this issue : SLS Notice of Default and Notice of Intent to Foreclosure letter dated XXXX XXXX  XXXX XXXX response letter dated XXXX showing corrections made to loan transcript and credit reporting agencies XXXX  XXXX XXXX loan transcript dated XX/XX/XXXX showing corrections of misapplied payments. 
XXXX spreadsheet showing the XXXX  XXXX XXXX corrections made and YTD interest and principal paid XXXX  report showing XXXX  XXXX XXXX and Specialized Loan Servicing showing payment history on account. XXXX  XXXX XXXX reported all months as paid on time ( correction of XX/XX/XXXX delinquency ) SLS has reported late payment history. All monthly payments were made on time before and after loan transfer and no monthly payments have been missed. 
XX/XX/XXXX and XX/XX/XXXX Specialized Loan Servicing Statements XX/XX/XXXX Specialized Loan Servicing letter with notes made regarding XXXX  XXXX XXXX corrections. 

Please make the necessary corrections to our account and process our list of requests mentioned above. Thank you.
Product: Checking or savings account

My account was hacked and setup for overdraft protection on my main account and 2 additional accounts that were not opened by mein XXXX of XXXX. I was made aware of this month 's after the fraud occurred as this is not my main account. I was set up with a new account and made aware of the fraud in XX/XX/XXXX. This new account went unused due to trust issues with the bank in XXXX I became aware of the same types of devices that were accessing it before and made the bank aware. There was a charge that I did not authorize that I also made them aware of. Then a check deposit was made via mobile banking I was told by a banking representative the code used to unlock the account could have been sent by email and then deleted. I created a whole new email to link my account to.No investigation was done the appeal was submitted and denied this morning XX/XX/XXXX. My account was closed because they failed to secure it. They sent secure ld documents to email even after requesting they not be sent.
Product: Credit reporting or other personal consumer reports

Lexis Nexis I opt out years ago and updated my opt -out
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor can not verify the account belongs to me. I have no knowledge of this account. I asked the company to verify the debt they can not which is stated in previous investigation.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing an
d willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Money transfer, virtual currency, or money service

Started XX/XX/XXXX with XXXX dollars then two installments Of XXXX then another XXXX again on the XXXX. Before that, on the XXXX by another at XXXX XXXX  till XX/XX/2023 small increments first of XXXX then XXXX installments of XXXX in total of XXXX then two XXXX dollar charges total of XXXX .all together XXXX. On XX/XX/XXXX a toda of XXXX was transferred to unknown merchant