23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently discovered that credit cards were opened in my name without my knowledge or consent, supposedly tied to the XXXX and XXXX XXXX. I have no affiliation with those organizations and never applied for these cards. When I reviewed the application, I saw it contained false information and a forged signature. Ive been disputing these accounts since I first became aware of them, yet Im still being held liable. I believe my personal information was stolen, and whoever opened these cards lied about my employment and income. Im requesting that these accounts be removed from my name immediately and that I be released from any associated debt or responsibility. 


I have already contacted the email several times and no one responds. This company is trying to make me pay for a debt I dont owe. I have emailed XXXX. and called XXXX and no one responds to my emails or can give me any information on this.
Product: Credit reporting or other personal consumer reports

My information was leaked in XXXX XXXX XXXXXXXX XXXX. Upon learning of the breach, I submitted documentation to the agency disputing several accounts. In my request, I asked this reporting agency to look into accounts from XXXX  through today, but they have not provided proper evidence of an investigation. I have a credit monitoring account with Experian, and you can request to dispute inaccurate information through their app. On several occasions, both on the free and paid app I requested disputes and information that never matriculated the information requested. I was seeking proof that these accounts were mine as I did not affix my signature to most accounts on my report. I provided a typed letter with copies of my ID and SS # to all three reporting agencies to look into inquiries that were popping up out of nowhere to accounts, anything and everything that looked suspicious on my report. In addition to this failure to utilize professional objectivity and integrity, I the consumer have had adverse responses due to the negligence of these reporting agencies to secure my consumer information and diligently investigate to the fullest capacity to protect my creditworthiness.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was selling my couch on XXXX and someone wanted to XXXX me the money. They said that their Bank couldnt process the payment so they asked me to send the money back and they would send me the right amount again. They didnt send the money and I was scammed out of {$500.00}. I tried to explain this to my bank, Chase, but they said since I used XXXX, there was nothing they could do to help. I contacted XXXX, but they said that it was too late and they couldnt help either.
Product: Money transfer, virtual currency, or money service

I am filling a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Midland credit management took legal action by summons. I had to go to court. I received no letter from original creditors to dispute. I knew nothing of this debt. Until I was served a summons to which I had to appear in court to dispute. Upon asking midland credit management about not receiving any prior notice of original creditors they responded they dont have to provide a letter from original creditor to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute with all 3 Credit Bureaus ( Experian, XXXX and XXXX ) to remove these unauthorized inquiries and was unsuccessful. 

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

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$470.00} Date of Account : XX/XX/year>
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I attempted to move money from venmo to PayPal. 3 times transaction didn't work. The venmo system automatically froze my account. They said 15 business days, then they said it would be escalated, the email said 7 days. It's been 7 days, a representative from customer service says they can't help. An account representative has to contact me and now they are saying another 10-15 days. I'm losing my home. I checked XXXX  complaints and this seems a normal practice of Venmo. People have never been responded to in 4 months, still waiting on their money after 180 days. I'm completely freaked out.
Product: Debt collection

On Tuesday, XX/XX/2020 and Thursday, XX/XX/XXXX XXXX XXXX XXXX, XXXX was contacted via certified mail concerning the validity of a charged off account, for an alleged debt due them, in the amount of {$480.00}, which they've failed to validate a second time. A violation of my rights under the FCRA 611 Section ( A ) ( 1 )
Product: Student loan

On XX/XX/XXXX I requested for Edfinancial to refund me my student loans, per the CARES act. They did not provide any type of nonverbal confirmation of my request, and stated that it could take over 160 days, but with no specific timeline, which in either case is significantly longer than competitors processing time of around a week or two. I would like for my student loans to be refunded in a timely manner.
Product: Credit reporting

I first Disputed item " XXXX XXXX XXXX Acct # XXXX '' on my Transunion report in XX/XX/XXXX, and it came back verified. I disputed again on XX/XX/XXXX, and once again it came back verified. I called Transunion on XXXX XXXX XXXX informing them that I had a signed letter from the President of the alleged Original Creditor denying any record of me or my account. but Transunion ignored me apparently, so I have sent them another dispute with copies of the letter. 

Please see attached signed USPS certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their Collection Agency XXXX have any record of me or this alleged account. 

Attached is also proof that XXXX of XXXX and XXXX XXXX XXXX XXXX are the same company. 

Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Transunion. 

I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 

Please find all relevant documents and Certified Mail receipts attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Product: Checking or savings account

On XX/XX/2023, I received a check for {$7200.00} from what I thought was an employer who had hired me to work from home in response to a job opening listed on Indeed.com The check was to be used to purchase equipment needed to perform the work. I deposited the check in my checking account at JPMorgan Chase at the XXXX, NJ, office before XXXX XXXX  on XX/XX/2023. The cashier told me the funds would be available the next day. The next day, XX/XX/2023, the funds appeared in my online checking account as " available. '' I proceeded to disburse the funds as directed by the supposed employer through XXXX, XXXX, and XXXX, supposedly to vendors used by the employer, to be used for equipment and software needed to work at home. I next checked my checking account online on Tuesday, XX/XX/2023, and found the account overdrawn by {$6800.00} because the check had not been honored by the bank on which it was drawn. I was unable to contact the supplier of the check. In conversation with the Chase banking and security personnel, I was told that this was an old scam, called " the work scam. '' The scammers have found a flaw in the banking procedures and are taking advantage of the flaw. That flaw should be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me in writing 5days prior. I was not notified. As the original creditor only I can validate the debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. 

XXXX. Account concerning XXXX XXXX XXXX and. 
XXXX. Account concerning XXXX XXXX XXXX XXXX XXXX. 

The reporting of these accounts is/are violation of 15 USC 1681 And The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( b ). 

Under Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as and card used to extend credit, like Social Security Card or Driver 's License Card. Any authorization or approval of a specific extension of my credit directly or indirectly by the issue of the card is unlimited and backed by the full Faith and Credit of the United States Government per House Joint Resolution 192 48, 48, 112 and public law 73-10. The Government claims any and ALL debt and promises to pay Principle and interest dollar for dollar. 

After requesting a authentic record of account, proof of claim and right to collect also proof of consent to use or share personal information. 

I also realize I have the right to remove negative information from my report and have stated already that they don't have my consent and my Fee schedule for damages and copyright infringement could be found on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting

The status of the payment history on my Mortgage account is incorrect. 
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX ( XXXX ). Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early ( XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time.
Product: Mortgage

loan appraisal was grossly under assessed due to red lining an the appraisal dispute was not granted as well as the charge of {$4100.00} that was paid to the finance company. 
comparable appraisal were submitted, but was not accepted that indicated the appraisal was not legitimate.
Product: Debt collection

XXXX Comenity called about a family member, responded to have number removed XXXX, XXXX, XXXX the same issue as above
Product: Credit reporting, credit repair services, or other personal consumer reports

Suddenly company report 30 days late on the account for previous date in XX/XX/XXXX and XX/XX/XXXX which is not correct. 
I called the company they agreed to fix the information with the credit bureau, I submitted a dispute with Transunion and the information was not changed. 

They continue to report 30 days late on the account also for the month of XX/XX/XXXX and I have been calling numerous time, they agree to fix the information on a recorded line, I submit disputes with credit bureau and the information hasn't been update with the credit creating a continue disruption to my credit report.
Product: Checking or savings account

XX/XX/2018 U.S.Bank charged me an overdraft fee of XXXX. My check deposited during the blizzard in New York and i explained this to them, I had an automatic payment that came out on the same night that my check was deposited and they clearly chose the payment over my check. I called and talked to XXXX XXXX and told him my dilemma. He proceeded to tell me a refund was given once before and said too bad we cant do anything. 
tried the XXXX but had to reject US banks answer because they gave a generic response that didn't address the problem. 
The main issue was an electronic deposit was made on THE SAME DAY. US Bank choose to overdraft instead of depositing the funds first. 
US Bank bank dealt with the charges out of order, processing the largest transaction first. 
This common practice allows banks to deplete your account faster, thus making it easier for them to charge unnecessary overdraft fees. 
Therefore I reject their business response. 
The XXXX closed my Complaint Complaint ID : XXXX Complaint Type : Business Complaint Date Filed : XX/XX/2018 XXXX XXXX Dispute Center : XXXX XXXX XXXX ( XXXX XXXX, MN ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Email : Web : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had problems with XXXX XXXX XXXXXXXX XXXX applying my monthly morgtage payments as they used wrong a personal bank account number to withdraw funds to pay monthly morgtage payments, they claim I did not pay XX/XX/XXXX on time, but, I had sent them a payment of {$4500.00} on XX/XX/XXXX, with confirmation numnber XXXX, and I talked to a person in collections named : XXXX XXXX, who stated that those funds were " just sitting there '' and were never applied to my morgtage payments, therefore, " I never missed any monthly morgtage payments and the XXXX XXXXXXXX XXXX should not have reported me to the credit bureau who, based upon the report from the XXXX XXXXXXXX XXXX the Credit Bureau lowered my credit rating from XX/XX/XXXX of XXXX, to XXXX in XX/XX/XXXX. I feel that is a wrong report because I NEVER ever missed any monthly morgtage payments, the XXXXXXXX XXXX XXXX just did not apply the funds I sent them for whatever reason. I just need them to issue a correct report that I have never missed any monthly morgtage payment. I even sent them fees for late payments which I feel they should return to me and they also charged me NSF fees, even when I have always maintained sufficent personal bank account funds which I can prove by the balances on my monthly bank statements and also, all payments made to XXXX made on time with confirmation numbers issued by them from their online site.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy of information on my XXXX XXXX account, which is adversely affecting my credit report. The details of my account are as follows : Account Number : XXXX Account Opening Date : XX/XX/XXXX Upon reviewing my credit report from all credit Bureaus, I noticed significant discrepancies in the payment summary and collection status of my XXXX XXXX account. Specifically : Missing Data Entries : The payment summary indicates no data available for XX/XX/XXXX and XX/XX/XXXX. However, despite these gaps, the account status shows it has been in collections continuously from XXXX to the present day. 

XXXX XXXX XXXX : The account status inaccurately portrays continuous collection activity from XXXX onward, which does not align with the actual history of the account. 

These inaccuracies are concerning as they impact my creditworthiness and misrepresent my payment history with XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, I am entitled to request and obtain all information in my file maintained by a consumer reporting agency, which includes accurate reporting from data furnishers like XXXX XXXX. Additionally, under 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The FCRA also mandates that if information can not be verified during an investigation, it must be promptly deleted from my credit report. Therefore, I request that you : Conduct a thorough review of my account history and correct any inaccuracies in the payment summary and collection status. 
Provide me with a written confirmation of the investigation results and any corrections made. 
If you are unable to verify the disputed information, delete it from all major credit bureaus which includes XXXX, XXXX, Transunion and XXXX. 
Please acknowledge receipt of this dispute within 30 days as required by the FCRA. You can reach me at mail or email if you require any further information or clarification. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCTUE was contacted three times via US Mail on or around XXXX 2020 regarding my yearly consumer disclosure. Not once have they responded to me. This is my final attempt to request my yearly disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX in XX/XX/XXXX and the school closed in XX/XX/XXXX, applied for a student loan forgiveness and I was told I cant get it
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the three credit bureaus regarding some inquiries that I have seen on my credit report but I know I do not have any accounts with these companies or am I paying any monthly amount to them. These inquiries are on my credit report and I did not authorise any of these companies to run my credit. I wrote a second letter to three of the companies asking them to remove the inquiries that I did not authorize. On XX/XX/2018 I wrote SEARS CBNA, XXXX XXXX XXXX and CITIBANK NA asking them to remove these inquiries from my credit report has I do not have an account with them and I did not authorize any such inquiry. 
I wrote XXXX, XXXX  and XXXX about the same inquiries on my credit report that I do not have an account for but did not get any good response regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ..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 for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX : To Whom It May Concern : I have recently been informed that you are still allowing derogatory information to be reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw an entry listing that I owe {$36.00} in XX/XX/XXXX. 

I challenge the accuracy, compliance and reporting of this listing. The account you are reporting is not mine. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I am formally requesting that this information be immediately deleted from the credit file bearing my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press  release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office