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

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This by this action being taking each month it affects my credit score, credit report, and credit worthiness.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$950.00} I am filing this dispute regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. XXXX denied to follow up with the investigation and alleged that the company accepting unreliable information, and failed to notify the consumer dispute results. This aligns with my situation! 
Under 15 U.S. Code 1681o, I am aware that individuals may seek civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). I am requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of being accepted for car options as well as apartment approval. XXXX violated my rights as a consumer, as well as federal laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was an International ACH ( IAT ) transaction originated out of my Paypal account for an amount of {$750.00} to a counterparty unknown to me. I raised this immediately with XXXX and created a XXXX case. I received a message on XX/XX/year> that the case has been closed and deemed not unusual or fraudulent. PayPal then released the funds to this unknown counterparty. I will add that I had a XXXX Bank account connected to this PayPal account so technically the fund transfer went from XXXX -- >Paypal -- >Fraudulent IAT. 

I have not yet appealed with PayPal but I do not see how they can close a case if I am telling them that I did not make this transaction and that it is fraudulent. Also, the activity does not align to my transaction history on PayPal- which I use infrequently and have not made any payment to this counterparty before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th time disputing an account on my report that does not belong to me and is holding up my process of purchasing a home. Account im disputing : DEBT RECOVERY SOLUTIONS # XXXX. They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.
Product: Debt collection

I have reported this account as fraud several times. In XXXX  i did not open any credit account and i remeber having issues with identity theft.
Product: Credit reporting or other personal consumer reports

I have been trying to get my address updated with Experian for almost 2 weeks when I called in to update my address Your company put two addresses on my account that are the same so I disputed one and it removed the other. Ive called back in to have it re-updated but the agents are not updating the address and disconnecting the call. I am tired of calling and waiting for almost 30 minutes to have a minor issue fixed that your company cause their only needs to be one address on my credit report profile of where I reside there shouldnt be any duplicates and only again when a address of where I reside. There also shouldnt be any notices on my account so please see CFPB help me get my issue resolved because Im unable to speak with an agent and for them to do their jobs. I always have issues with Experian and get nowhere. Theyre always reporting incorrect information AND ALWAYS ADDING THINGS WITHOUT MY KNOWLEDGE. I also sent documents of proof of my address to Experian upload, but somehow no one can find it so attach our document showing my correct only one address.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXXXXXX Account - XXXXXXXX XXXX XXXX # XXXX XXXX Both accounts are not mine and was fraudulently opened without my permission Please assist with removing from Credit Report
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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: Money transfer, virtual currency, or money service

I used the XXXX through my Bank of America XXXX app. to send {$1000.00} to a person for tickets to a basketball game. The person never sent the tickets and did not respond to my numerous emails/texts/phone calls. 

XXXX had no protection and stated not use XXXX if you do not know the person. 

Bank of America said they could not do anything since I authorized the transaction and it was posted. 

Why is XXXX and BofA allowed to have a transfer service with no consumer protections for scams? XXXX  XXXX  and XXXX have means of getting money back if a consumer was scammed. Further, why is BofA forcing its customers to use XXXX to transfer funds? The consumer should have a choice especially given that XXXX has no protection if a person is scammed.
Product: Payday loan, title loan, or personal loan

I bought a trailer from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the state of Ohio and financed it through XXXX XXXXSynchrony Bank for an amount of {$3800.00}. When I applied for registration at the Florida DMV, they listed Synchrony Bank as the lienholder. I made the final payment on the financing on XX/XX/XXXX for an amount of {$3200.00}. I made this payment from my savings account. As of today, XX/XX/XXXX, I still have not received the title release for my trailer. I have made multiple calls to Synchrony Bank, but they have been unable to locate my account using my social security number or my account number, and they have not provided me with any answers. I sent a letter to the lienholder 's address, which they received on XX/XX/XXXX, but I have not received any response to date. I have exhausted all avenues but have still been unable to obtain the title for my trailer, and I need assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX   XXXX
Product: Checking or savings account

Claim ID # : XXXX. 

Bank of America has notified me that there is a dispute of {$20000.00} initiated by XXXX due to reason Transaction is unauthorized. While this claim is being investigated Bank of America is placing a {$20000.00} hold on my funds in checking account. 
The transaction that is being referred to for dispute is a XX/XX/2024 transaction that is a DEBIT from my account to XXXX XXXX. To clarify again, this is a DEBIT from my bank account that I SENT FUND FROM MY BOA to XXXX XXXX not a deposit into my bank account. 
Given that this transaction is one that I initiated to XXXX, it makes no sense for there to be a dispute/hold of the {$20000.00} funds if XXXX is stating that transaction is unauthorized. I am the one who sent the funds out of my account, so why is there an additional {$20000.00} being held for this dispute ; this is not a chargeback of funds that was deposited into my bank account from XXXX ( aka XXXX issuing bank ), but rather funds I sent to XXXX. 
Further contact with XXXX, upon escalation with higher level customer service, confirms in attached chat response As you can see in your account activity document, the two {$20000.00} deposits were credited to your XXXX account accordingly, and there is no indication of a reversal in our system. 
All in all, I have contacted XXXX  which is the transaction I have SENT FUNDS TO and they have stated that they have no indication of a funds reversal/dispute on their end.
Product: Debt collection

I contacted CMRE to dispute this debt in XX/XX/2019. They returned correspondence without proper validation while still reporting this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and Updated information. After sending a written request that EQUIFAX remove a number of inquiries being fraudulently reported on my credit report EQUIFAX still continues to furnish them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A CONSUMER & Transunion is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters. I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.
Product: Debt collection

ERC [ ENCHANCED RESOURCE CENTERS AT XXXX XXXX XXXX, XXXX, FL XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$880.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ......
Product: Money transfer, virtual currency, or money service

capitol one bank blames XXXX XXXX  AND VICE VERSA, and I'm the victim,,,, {$20000.00} was transferred and each blames the other
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are not. EXPERIAN is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include 150 days delinquent on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EXPERIAN written instruction/ permission to furnish these late payments on my report or file, violating XXXX XXXX XXXX 1681b ( a ) ( 2 ). It is CRYSTAL clear that EXPERIAN has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX and transUnion amounts of times reminding them that per the fcra fair credit reporting act any items on my credit report such as the XXXX inquiries on XXXX and the XXXX inquiries on transunion must be removed if unverified or unauthorized
Product: Debt collection

This company did not announce they were a debt collector when calling me. they answered " hello this is XXXX '', then told me I owed them something when It wasn't even me, they were calling for the wrong person. they did not clearly state they were debt collectors and any information collected would be use for collection perpouse
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report after receiving notice that my scores went down in XXXX of 2019. I saw that debt had been added to my credit report. I disputed the debt with all 3 credit bureaus. They all came back and said it meets the FCR reporting act. They did not provide enough information to verify identity or that account belongs to me. I asked for original contract and verification of the debt which I have never received. They are trying to collect on a debt from from a utility company in XXXX and i live in georgia.The date of last payment on the account was in 2019. I called talquin to verify that was the case and it had fallen off my credit. Online information services renewed the debt to appear that became delinquent in XXXX of 2019 which is a misrepresentation and is illegal to do. You are not allowed to not verify a debt or send original contract and just make up dates to impact my credit. It is past the time for reporting and it needs to be removed before I take a more legal approach. I have never done business with this company and they are scamming to try and get a debt paid that is past the statute of limitations and they can not prove or verify the debt.In accordance with the Fair Credit Reporting act ONLINE INFORMATION SER Account 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

delete from my account XX/XX/XXXXXXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My XXXX was forcibly robbed from my possession the evening of XX/XX/year>. By the time I was able to get to another device and freeze my banking account or disable my stolen phone, there were two fraudulent charges made from my bank account through the phone. One of these was an XXXX XXXX payment, another was a XXXX payment. I reported the crime with Chase 's customer support service once open the following morning of XX/XX/year> and gave them all information about the robbery and fraudulent activity. On XX/XX/year>, the fraudulent claims were finished processing, and one claim was approved and one denied. The reason for the denied claim was that their team found evidence that my XXXX XXXX ID scan was used to verify my identity, so they did not see it as fraudulent. This did not, however, apply to the other claim and they were unable to provide any source or evidence from the claim that my XXXX XXXX  was used to make the transaction, which is impossible as I did not have possession of my device at the time of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage on my home through M & T bank they put 2 parcels on my lot when there is only one. So after that happened my monthly payment went up over {$300.00}. I called one year ago today to find out why i paid double the amount if property taxes and not one person could give me an answer for over a month. I called back after another payment posted with the additional money and was told that i paid for 2 parcels and it was a clerical error and i would get my money back from the city at the end of the year! So i have to pay over {$3000.00} for their error and now the year is up and the payment has not went back down. I asked what would happen if i didn't have the extra {$300.00} a month in my account to pay for the mortgage and was told that my house would have been foreclosed on. Ive never ever received a formal letter from the bank explaining how they messed up. After a year i finally reached a breaking point and called my lawyer and he found it outrageous that this has happened. This is horrible for anyone to deal with.
Product: Credit reporting or other personal consumer reports

Hello, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

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

they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX- Inaccurate Payment History XXXX XXXX XXXX Inaccurate Payment XXXX XXXX XXXX Inaccurate Payment History
Product: Mortgage

I am an XXXX year old lady who took our a Financial Freedom loan XX/XX/XXXX. I have had a lot of trouble and feel like the loan was misrepresented. I receive {$1100.00} in Social Security each month. Their rules have changed they say as of XXXX. I have trouble paying the RE taxes, but keep up my insurance. On XX/XX/XXXX they chanced my loan to matured status and say I have 90 days from there to be put in foreclosure. On XX/XX/XXXX they received my request for extension. as of XXXX they have not yet sent it to hud. Say they are too busy, but they have time to call and send all kinds of other harassing stuff. I have been in my home 60 years and am not fit to move. It is tearing me up. I do n't know what to do. They are driving me crazy. I went to a lawyer but I ca n't afford to pay them. I called the counseling places and they do n't return my calls. My banker has tried to help me also with forms. I am helpless as to how to live. Please assist me as you can. Thank you for your consideration.. I sent them XXXX payments that they requested and they returned XXXX and said they did not receive the other. Said they are no longer accepting payments, but they did not send the XXXX on back. Received the XX/XX/XXXX XXXX back for {$250.00}. I have no money for needed items. Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with this creditor. This account is reporting as open. 
XXXX XXXX XXXXXXXX XXXX Opened XXXX {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights under the wage earner law has been violated. My identity have been stolen. Fraudulent accounts were open while I was under  wage earner . My case numbers are  XXXX  and  XXXX . I was discharged  in  XX/XX/XXXX  on the first case &  XX/XX/XXXX  on t he second case. My drivers license have been stolen, social security card. My date of birth changed with all  XXXX  credit agencies. All of my former employers have been changed. All of my former addresses have been changed. A seven year fraud alert have been placed on all   XXXX   credit reports. The  XXXX  Family have tried to take my life to keep me quite.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX     XXXX   have complete access to my personal information and she 's abusing my identity. I am missing four digits Of The account number because I did n't originally open this account. My social security number is  XXXX .