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

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I have contacted Tran union for hard inquiries on my report. I have called for the last past two weeks for these to be removed and have not gotten any help. It also take them a long time to update your report.
Product: Money transfer, virtual currency, or money service

A fraudulent EFT coming from JP Morgan Chase stole money from my XXXX account. When investigated, JP Morgan Chase provided a document showing that a Power of Attorney document was used to initiate this transfer. This document is fraudulent and JP Morgan Chase is refusing to investigate these claims as required by law, even going as far as a phone representative telling me that Chase does not have to investigate fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding unknown and inaccurate items on my credit report and after 60 days I still have not received a response yet. I feel like I am being taken advantage of and being intentionally ignored on my disputes. Section 611 ( a ), It simply states that a failure to investigate those items within 30 days gives a reason to immediately remove promptly, I demand those accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also breached and may have got into the wrong hands.
Product: Credit card or prepaid card

I applied for a new XXXX XXXX XXXX XXXX with the following welcome bonus offer and confirmed it in writing as well through customer service on XX/XX/2021. Transcript below : However, now the customer service is telling me they don't see any offer attached to my account. 

In this XXXX XXXX XXXX XXXX can earn : a ) XXXX Bonus Marriott Bonvoy Points after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. b ) Two bonus Free Night Awards from XXXX XXXX, you must use your XXXX XXXX XXXX American Express Card to complete {$5000.00} ( the Threshold Amount ) of eligible purchases within the first 3 months ( 92 days ) of Card Membership, based on the date of your Card approval. ~ Qualified Spend Amount : {$350.00} ~ Remaining Spend Amount : {$4600.00} The 92 days will be completed on Friday, XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times, with no success, to get validation of a debt being reported on my Experian and XXXX reports. I have contacted Experian, XXXX and XXXX XXXX XXXX for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 'vebeen trying for two months now with no success. I 've sent US Certified Mail to all three parties on  multiple occasions. In addition to me trying to get these two accounts being reported by XXXX XXXX XXXX deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. XXXX XXXX XXXX added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has Experian, XXXX and XXXX XXXX XXXX failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. 
Finally, I checked the North Carolina Department of Insurance website to see if XXXX XXXX XXXX  had the permits to collect on this debt and they do not.
Product: Credit card or prepaid card

When I went to get a car loan I was told that I had a CITIBANK VISA account that had been opened and used in my name. I have not opened a BEST BUY VISA in my name at any time. I froze my credit report and have filed an identity theft report with the federal trade commission. I have received response from XXXX, XXXX, and XXXX. The only one I have had a problem with is XXXX  and Best Buy Visa or Citibank itself. They state they have verified the information and therefore they found it to be correct. I have not ever been contacted to verify these charges. The account is not even mine nor have I even known it existed. XXXX  and CITIBANK VISA have now sent this account to a collections agency.
Product: Money transfers

I made the decision to use WESTERN UNION to transfer {$500.00} to a stranded friend in XXXX, XXXX XXXX. She was homeless, no cash, and with her young son. The WESTERN UNION Website advertised that they would be able to get it to her same day. IT HAS BEEN 6 DAYS SINCE I SENT THE MONEY!!! AND MY FRIEND IS STILL WITHOUT IT!!! I have called and written with no resolve. SHAME ON YOU WESTERN UNION!!!!! She has all the necessary ID and numbers needed. They use the excuse of being a chain and not having control over their vendors. THAT is CORPORATE XXXX!
Product: Money transfer, virtual currency, or money service

I've tried opening a case using another email address that I've opened an account with. I received a response that PayPal would not reinstate my account because I have another closed account where I went against terms of service and engaged in risky behaviors. This complaint is regarding my original PayPal account, XXXX. 

Like I said earlier, I only buy and sell sports cards on this account and do not engage in any risky behavior. I would appreciate if PayPal was clearer about what risky behavior I engage in, as I have only legal transactions where goods or services were being transacted. 

Furthermore, when on call with a PayPal employee, I was accused in engaging in activity such as selling drugs, alcohol, illegal paraphernalia. This is defamation, and I can not believe that PayPal would allow their employees to accuse clients of this without any basis whatsoever.
Product: Credit card

I applied for a credit card to purchase an XXXX XXXX through XXXX XXXX. I have made payments towards the card, just recently, I was charged accrued interest. This interest is causing financial hardship. My intention was to pay the card off within the alloted time, however, financial hardship prohibited me from doing this. My brother XXXX in 2012 and as a result, our family is sustaining financial hardship. My mother is attempting to remain afloat but the loss of his income has now had an impact on my mothers finances. All savings have been depleted. As a result, I have had to contribute financial support to my mom in order to meet everyday expenses. I have only XXXX credit card and this is with Barclay. I am hoping that Barclay will note that I have made the payments as required and when I have the ability, I pay more than the minimum payment. I would like to continue to maintain my credit card with Barclay and look forward to expanding a financial relationship with them. I am only XXXX years old, but due to the XXXX brother have now had to take on added responsiblities. Any compassion on the part of Barclays would be met with very much gratitude. I honestly did not know that the interest was going to be added or I would have made bigger attempts to pay a larger dollar payment. Thank you again for your understanding of my financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that much information was erroneous. The 3 credit Bureaus are required to authenticate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Final notice before litigation for FCRA violations and noncompliance
Product: Checking or savings account

My robinhood brokerage account was locked after I transferred in {$3000.00}. They asked for selfies and pictures of my ID which I provided over the phone and through the app while speaking with a customer service representative over the phone. Even after giving the information, the account was never unlocked. I can not withdraw my funds because I can not link a single bank account. When I tried to call them back it said I needed a reference number. When I try to get in touch with support via chat it says they will email me at XXXX, however, I never receive an email. There is no way to get in touch with support and provide this verification they repeatedly ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$340.00}
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Validation of Account - Credit First NA, Account # XXXX To Whom It May Concern : I am writing to formally dispute the presence of the Credit First NA account, Account # XXXX, on my TransUnion credit reports. I have supporting evidence from XXXX, which conducted an investigation on my credit report on XX/XX/XXXX, resulting in the deletion of this account from their records. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough investigation of any disputed items on a credit report and verify their accuracy. 
As per FCRA 611 ( 15 U.S.C. 1681i ), I am requesting the following documentation and verification to establish that this account rightfully belongs to me : 1. Original Account Documentation Any original signed contracts or agreements associated with this account.

2. Verification of Debt Documents establishing that the account was opened in my name and with my authorization.

3. Payment History and Statements A record of all transactions and payments made under this account number.

4. Chain of Custody for Reporting Proof that this account and its details were reported accurately to XXXX and TransUnion by XXXX XXXX XXXX or any subsequent data furnishers. 
If, after your investigation, no conclusive and validated evidence is provided to support the claim that this account is mine, I am formally requesting that this account be permanently removed from my credit reports with both XXXX and TransUnion
Product: Credit card or prepaid card

Citi closed my account with no notice and remove all my points balance.
Product: Debt collection

I have 4 loans with a company called XXXX. I have had these loans since 2013 and have never been late. I always pay on the XXXX of the month. I have received a threatening phone call from Aimloan over the last two months. The woman, XXXX XXXX ID # XXXX ) calls on around the XXXX of month and states she is collecting a debt and there may be fees for debt collection. I politely told her to stop calling as I pay on the XXXX of the month and have never been late in 8 years. She continued to state there may be collection fees as the payment is due on the first. 

I told her I pay on the XXXX and please stop the threatening phone calls. This is the second month in a row. 

Thank you, XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

UNITED COLLECTION BURE XXXX Balance {$3200.00}
Product: Debt collection

Discover Bank is in violation of their Arbitration Clause and Contract Agreement. XX/XX/XXXX, Discover Bank filed suit against me in Small Claims Court for an alleged debt of {$3900.00}. We agreed to arbitration XX/XX/XXXX through XXXX. XXXX refused to arbitrate and pay fees even though they had agreed to. XXXX, XXXX, XXXX, XXXX and XXXX, XXXX sent XXXX a letter requesting they pay the arbitration fees. XX/XX/XXXX, Small Claim Court Judge compelled XXXX to arbitrate. Discover refused to pay fees and arbitrate after being compelled. XX/XX/XXXX, XXXX   CLOSED arbitration case because XXXX refused to pay. XXXX breached Arbitration Clause and Contract Agreement. I received a letter dated XX/XX/XXXX from Counsel for XXXX   stating XXXX did not want to arbitrate because it was too expensive. I sent a letter to the Counsel for XXXX and made an offer of " XXXX XXXX XXXX '' but they never responded. 

XXXX defaulted for refusing to pay XXXX arbitration fees. 
XXXX XXXX failure to pay XXXX was a Material Breach of Contract. 

XX/XX/XXXX, XXXX filed Arbitration against me for the same alleged debt of {$3900.00} over 2 years after I filed Arbitration and 1 1/2 years after XXXX  closed case due to XXXX XXXX failure to pay. The alleged debt is time-barred. XXXX has filed arbitration for a debt that is time-barred, misrepresented facts, defaulted in Arbitration and breached their Contract Agreement. XXXX has violated FDCPA and continues to violate. FDCPA. 

XXXX states they will NOT arbitrate a small claim. This alleged debt is a small claim which is another breach of their contract agreement.
Product: Mortgage

I purchased a home in XXXX XXXX, GA in XXXX. The second was carried by GMAC Mortgage. In XXXX, GMAC Mortgage filed for bankruptcy protection. After writing letters in attempt to find out who would handling my mortgage the letter came back undeliverable. I received a letter from XXXX XXXX XXXX in XX/XX/XXXX, stating they were collecting a debt for PHH Mortgage. I contacted PHH Mortgage and was told to disregard the letter. I soon learned that PHH Mortgage was a front company for Ocwen, who I have learned took possession of GMAC customers in XXXX. Ocwen never informed me that now the Mortgage company holding my note. 

Under the federal law, borrowers are required to be notified in writing whenever ownership of a mortgage loan is sold, transferred or assigned to a new creditor. Ocwen failed to do this and now asking XXXX to collect $ {$180000.00} from me. I attempted to resolve this matter but PHH Mortgage, they knew nothing about this matter. Now they have told me to contact XXXX. I think this is wrong what Ocwen has done and reach out to CFPB for help.
Product: Payday loan, title loan, personal loan, or advance loan

Multiple times my auto draft payment has been taken out of my account days earlier than the scheduled draft date causing my personal account to overdraft due to insufficient funds. I have screen shots of this as well as bank statements that show this. In addition they pre-date these drafts so the record of it on the bank statement shows the correct draft date even though they took the funds two days prior. When I contacted them multiple times I was told its because draft date is on the weekend and not a business day. Todays proof is irrefutable because todays date as I file this is Saturday XX/XX/XXXX  and my auto draft payment is supposed to come out Monday XX/XX/24 but has already been withdrawn today causing me an overdraft and showing in my account as a transaction date of Monday XX/XX/24.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /   16  Called credit bureau to try to have inquiries removed
Product: Credit card or prepaid card

On XX/XX/XXXX I went in store at XXXX XXXX to return an incorrect item I received via an online order ( incorrect item shipped ). The correct item was no longer available. Because the store did not have the correct item to scan for the return, they called customer service and the representative on the phone said she would credit my account the {$42.00} paid ( original charge date of XX/XX/XXXX ). However, that was NOT done. I have spoken to two representatives on the phone and an in-store associate at the XXXX XXXX XXXX location in XXXX, OH and no one has fixed this issue. When the correct item was sent, the receipt said I paid {$0.00}, so I cant even return that! 
When I tried to use their secure message center and typed my message THREE times, it said it was not sent due to an error. It said to call the number, and the number said their office was closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXXXXXX
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$820.00} Balance updated XX/XX/XXXX Recent payment Never had account with XXXX XXXX XXXX. Attempted to contact Debt Collector. Very nasty communication and not professional. Didn't read me my rights under fdcpa law. 

Said can not dispute pay bill or else
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Product: Credit reporting or other personal consumer reports

Need all three credit reporting the same thing XXXX does not have any bankruptcy on it need XXXX to remove the one bankruptcy and Experian to move the two Bankruptcy. Enclosed is all three credit reports. to show they inaccuracies.