23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried several time to discuss this information with company. I have no information to give company when asked. I have tried several times/years to get the information removed from credit. I have never had a cell phone other than the one that I have from the free service. I am home bound and have a landline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX XXXX XXXX, all three credit bureaus have different information that is not accurate
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Regarding to my original complaint about the fraudulent withdrawal of {$15000.00} that was supposed to be a deposit of {$17000.00} from my account. I would like to express my disappointment with the resolution provided. 

I want to bring to your attention that in my initial complaint, I mentioned a deposit of {$17000.00} which I have evidence of, including video documentation. However, your response does not acknowledge this deposit or provide any explanation regarding its absence. This is concerning as it contributes to the discrepancy in my account balance. 

Additionally, when I requested a copy of the withdrawal slip, the document I received appeared to be altered and lacked crucial information. The absence of my complete name, the inconsistency in handwriting and signature, and the lack of location details for the transaction raise doubts about the authenticity of the withdrawal. I believe it is imperative for you to thoroughly investigate these discrepancies to determine the credibility of the transaction. 

Furthermore, my bank statement only displays the date of the fraudulent withdrawal without indicating the location of the transaction. This lack of information makes it difficult for me to verify the validity of the withdrawal. Additionally, the missing {$17000.00} deposit should be reflected on my statement, as it directly impacts the overall balance discrepancy. Youve attempted to use against me in your response.. 

It is distressing to note that despite reporting these unauthorized withdrawals and fraudulent charges, I have not received any reimbursement or refund for my missing funds. As a customer, I expected Wells Fargo to take this matter seriously and ensure that I am properly compensated for the financial losses I have incurred. With the unauthorized withdrawal of {$15000.00} that was supposed to be a deposit of XXXX which makes a total of {$32000.00} that is due to me.
Product: Payday loan

Today I received a check from Mariner Finance in the mail for over {$2500.00}. I have never contacted this business or requested a loan from them. Included with the check was a letter explaining that depositing or cashing the check obligated me to a loan with an APR of 32.94 % The envelope was marked " Check Enclosed Open Immediately. '' In this era of rampant identity theft, any competent thief could have intercepted this letter and cashed the check as me, theoretically obligating me to pay. I am also extremely upset that this form of advertisement is used for high interest loans, obviously intended to prey on the desperate and vulnerable in our society.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft. The following unauthorized items have appeared on my credit report due to this fraudulent activity : XXXX XXXX XXXX XXXX - {$15000.00} XXXX - {$840.00} XXXX XXXX  - {$500.00} XXXX XXXX - {$490.00} The fraudulent account details and associated personal information are unrelated to my legitimate financial history and have been placed on my report without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I am requesting that you block this information from my credit report within four business days. This section mandates that credit reporting agencies must block information resulting from identity theft upon receipt of appropriate documentation. 

Please confirm in writing that these accounts have been removed from my report and provide documentation of the actions taken. I appreciate your timely attention to this matter to ensure the integrity of my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Reporting and Unlawful Inquiry To Whom It May Concern, I am writing to formally dispute inaccurate and unlawful information appearing on my XXXX and XXXX credit reports. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am requesting an immediate investigation and removal of the following erroneous and unauthorized entries : 1. Exeter Finance - Unlawful Reporting of a Charge-Off Creditor : Exeter Finance Date Added to Report : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Credit Bureaus Affected : XXXX, XXXX Per FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, derogatory accounts, including charge-offs, may not be reported for more than XXXX years plus XXXX days from the date of first delinquency. Since the original charge-off occurred on XX/XX/XXXX, the reporting period expired in XX/XX/XXXX. Therefore, this account should have been permanently deleted and its reappearance is a clear violation of federal law. 
I demand the immediate removal of this outdated and inaccurate entry from my credit reports. 
2. Exeter Finance - Unlawful Hard Inquiry on XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau Affected : XXXX Exeter Finance made an unauthorized inquiry on my XXXX report without my express written consent, violating FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I did not apply for credit, authorize, or initiate any business transaction with Exeter Finance, they had no permissible purpose to access my credit report. 
As per FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a hard inquiry requires my explicit authorization, which was never provided. This constitutes a violation of my rights, and I demand the immediate removal of this inquiry from my XXXX credit report. 
XXXX Requested XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I formally request : 1. The immediate deletion of the unlawfully reinserted charge-off from my XXXX and XXXX credit XXXX. 
2. The immediate deletion of the unauthorized XXXX inquiry from my report. 
3. Written confirmation of these removals within XXXX days, as required by the FCRA. 
Notice of Intent to File Complaint If these inaccurate and unlawful entries are not removed within the XXXX timeframe, I will file complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office. I am prepared to seek legal remedies, including statutory damages for willful noncompliance under FCRA XXXX ( XXXX U.S.C. XXXX ). 
Attachments I have enclosed copies of my credit report with the disputed items highlighted. 
Please investigate and correct these violations immediately. I look forward to your written confirmation of these deletions. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX my PPP loan was funded by XXXX XXXX, which went through XXXX, funded to my bank Chase.

Chase claims ( with no proof ) that the funding was sent as an XXXX, which I am NOT, I am a XXXX XXXX, Both my PPP application / XXXX  and XXXX state this, However Chase is sticking to their story. 

Chase then offers a " resolution '' if I bring in my XXXX Schedule C they will release, I did, they refused and then asked for a XXXX Schedule C to release, I did, they once AGAIN refused, then the asked for a list of my transactions, I brought those in, they still refused and closed my account BUT did not send the money back to the lender. 

Lender nor XXXX will respond to me at ALL to help resolve this situation, PPP 's are something I OWE back and I never saw a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), SXXXX XXXX  XXXX XXXX opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX ( Date XXXX XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX, Credit limit {$800.00} ), XXXX ( Date opened XX/XX/XXXX, Original amount {$1500.00} ), XXXX XXXX XXXX XXXX  ( Date opened XXXX XXXX XXXX XXXX XXXX Balance {$810.00}, Original creditor XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXXXXXX ( Date opened XX/XX/XXXX XXXX Balance {$1300.00}, Original creditor XXXX XXXX XXXX  ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

For the past XXXX or so years now I had to repeatedly tell this company to stop calling my number, I told them many times that this is the wrong number and clearly they kept calling, until I told them I would report this company if they kept calling. Since then they havent called since but the they did try to collect on exempted funds previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially started a dispute with Equifax on XX/XX/XXXX and now it is XX/XX/XXXX and they still have not completed the investigation of these fraudulent account. By law, Equifax has 30 day to investigate these account ; however, it has been more than two months. 

The following fraudulent accounts need to be deleted and removed immediately : 1. XXXX Acct # : XXXX 2. XXXX XXXX XXXX  Acct # : XXXX Equifax failed to investigate these accounts within 30 days and by law, they are supposed to remove and delete these fraudulent accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX : # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # # # # # XXXX XXXX XXXX  XXXX 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 a account without my written instructions.
Product: Credit card

I bought an LG dishwasher at Best Buy with my Chase Business Ink MasterCard. About 1 month later, it was on sale at Best Buy for {$130.00} less than what I paid. One of my card benefits is Price Protection. I filed a claim for the {$130.00} but it was denied because they say a dishwasher is real estate so it is excluded
Product: Debt collection

I have asked for verification of debt and it has not been provided. Making sure this is not represented to my credit profile. 
See attached letter.
Product: Money transfer, virtual currency, or money service

Issue with Coinbase Transferred Ethereum based Tokens into my Ethereum Wallet on thier Exchange. They will not provide me the Private Key of my wallet so I may transfer my Tokens out of their wallet.
Product: Student loan

I requested a refund for payments ( {$10000.00} ) made during XXXX on XX/XX/2022. I was informed that it would take 4-6 weeks for my balance to update and for a refund to be issued. I followed up on XX/XX/2022 and was informed that the request was approved and to continue to wait for the 4-6 week mark. It has nearly been 7 weeks and my balance has not been updated. 

I submitted a first CFPB complaint on XX/XX/2022, and received a response indicating that processing times had become 10-14 weeks.

It has now been over 14 weeks and I have seen no movement in the form of balance changes or refunds. 

I am requesting expedited or enhanced assistance with this particular request, as it seems it is not being processed adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX XXXX. I have tried to contact a Human person at these credit companies, XXXX XXXX XXXX, XXXX Credit Bureau, Experian Credit Bureau and Annual Credit Report. I tried all their numbers and called five times over the past two weeks. The automated system for each service will not move me forward to the customer service representative. I am told by the automated system that because I do not have Limited Circumstances I can not speak to a representative.I can not access my credit report as my information is, apparently, not associated with my annual report account. I have been told by a bank that I have poor credit. However, I am XXXX XXXX XXXX and have not established any lines of credit history. I believe my credit information has been either compromised or used by a family member. 

I am very frustrated that I can not talk to a real person at all of these top leading credit companies, all of which hold information associated with my social security number. These companies have access to information that I need to verify and/or correct to see if my Credit has been in fact used by someone else. Can someone please help with how I can reach out to a person for one or all of these Credit Bureaus, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

TranUnion is dragging there feet # XXXX XX/XX/XXXX Registered Letter I supplied them three forms of ID and supporting Documents Court Letter and asking them to change the XXXX Filing Date SUPPLIED THEM A LETTER WITH CONTACT TO GET ACCURATE DATES I also supplied them corespondences XXXX XXXX as XXXX XXXX XXXX XXXX QUALIFYING IT TO BE IMMEDIATELY REMOVED FROM REPORT the bureaus have a unique way to drag on and and extend and reopen disputes my letters attached to them and in CFPB Complaint # noted above copied you as well THESE DOCS ARE STRONG EVIDENCE TO IMMEDIATELY BE REMOVE my question is how can they say VERIFIED when my on going registered letters to the creditors direct GO UNANSWERED this is proof THERE CLIENTS NOT MINE ONLY HAVE TO SEND A ELECTRONIC RESPONSE WITH NO SUPPORTING DOCS OR EVIDENCE in my letters it clearly states how these illegal tatics to collect IAM NOT RESPONSIBLE EVEN IN A MARRIAGE FOR A SPOUSE COMMITMENTS THIS LAW WAS CHANGED YEARS AGO bottom line proof of contract bearing my signature not estabilished as far XXXX XXXX XXXX MY LETTER AND UNANSWERED COMPLAINT GO UN ANSWERED FOR MONTHS also my proof and registered letters to both fact included THIS HAS TO GET CORRECTED IMMEDIATELY NO 30 DAY FROM NOW OVERDUE I have become homeless denied leasing options as well unqualified mortgage loan and tend to hold TransUnion Liable for this
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX, XXXX, Listed below are the Accounts that are being challenged XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$630.00} XXXX XXXX Late Payment {$630.00} XXXX  XXXX Late Payment {$1400.00} XXXXXXXX XXXX XXXX XXXX  Late Payment {$1100.00} XXXX  XXXX XXXX XXXX Late Payment {$20.00} XXXX XXXXXXXX Late Payment {$120.00} XXXX XXXX  XXXX Late Payment {$520.00} XXXX XXXX  XXXX Late Payment {$0.00} XXXX / XXXX  XXXX Late Payment {$95.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$2000.00} XXXX  XXXX Collection {$460.00} XXXX XXXX XXXX  Original Creditor : XXXX  XXXX XXXX XXXX XXXX Collection {$460.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Collection {$1500.00} XXXX  XXXX XXXX Charge-off {$1100.00} XXXX XXXXXXXX Charge-off {$2400.00} XXXX  XXXX  XXXX XXXXXXXX Charge-off  {$0.00} XXXX  XXXX XXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXXXXXX 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: Mortgage

I went to a company for purposes of paying off my mortgage note. This company examined the loan and the transfers of my mortgage note, and noticed that the most recent transfer was invalid, which consequently does NOT validate a foreclosure sale. The transfer was to XXXX XXXX XXXX, however to validate the assignment, Article 9, UCC requires a 3 prong criteria to be followed ; 1 ) Value must be given 2 ) The seller must have the authority to transfer rights in the note ; and 3 ) The buyer must take possession of the note pursuant to the security agreement signed by the debtor. Upon investigation when this Note was assigned on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The document was signed by XXXX XXXX XXXX as manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX as 'Attorney in fact ' for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NOTE : Handwritten on the document is the statement : " POA to be recorded immediately prior to this document ''. However, no POA was ever recorded. My concern was mailed on XX/XX/XXXX and I received a response on XX/XX/XXXX from the lender, states info could not be retrieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/ Care Credit is reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing this fraudulent account for months and still no results. XXXX is willingly and knowingly reporting false and inaccurate information to my credit report. I have requested that XXXX to remove the account from LVNV FUNDING LLC and has refused to do so multiple times. experian removed the account for identity theft and so has transunion. XXXX is willingly committed fraud and identity theft by willingly reporting this information knowing it is fraudulent. I have sent FTC Reports to support claim but LVNV FUNDING LLC ALSO REFUSES TO REMOVE INACCURATE INFORMATION from my credit profile knowing I do not have a contract with them which is considered identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax back in XX/XX/2018 with reference the XXXX XXXX XXXX XXXX to investiagte the accolunts that have inaccurate information on the payment history. This is a paid colllection but yet reports as unknown on pay status? When XXXX  reports it as paid. How can it be different? I received a letter, but nothing was changed. I've waited to see for any changes but still is the same. 

The other concern is on XXXX collection account. Also it is a paid collection but shows unknown in the pay status and also show I failed to pay on a collection? Yet XXXX reports it as paid.
Product: Debt collection

NCS National Credit Service is attempting to try to collect a debt that has been deleted from my credit report. XXXX XXXX  XXXX XXXX account number # XXXX has been deleted from my credit report. The original Lender was XXXX XXXX and that was also deleted from my credit report. My consumer rights have been violated and I do not want this debt to continue to be sold when it has been deleted from my credit report. XXXX is attempting to try to collect on the same debt. Navient former name is XXXX XXXX and the XXXX XXXX debt has been deleted from my credit report. XXXX is claiming that I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not allowing consumers to dispute stuff on the report. They are in direct violations of Federal Law. They continue to destroy communities with their Fraudulent behavior. Getting tired of not being able to access our own information. They have it to where you have to pay to dispute inaccurate information on your own credit report. These crooks need stopped for once and all. STOP RIPPING OFF THE AMERICAN PEOPLE > AND ACTUALLY DO THE RIGHT THING