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

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Collection Account Monterey Collection SV Reported Account Number ( Partial ) : XXXX To Whom It May Concern, I am formally disputing a collection account reported on my credit file by Monterey Collection SV, associated with XXXX, reflecting a balance of {$730.00}, and showing a delinquency as of XX/XX/XXXX. This account is inaccurate, unverified, and unauthorized. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is legally required to conduct a reasonable and independent investigation into any disputed item. As held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), a consumer reporting agency may not merely rely on the furnishers representationit must actually investigate the accuracy of the information provided.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request validation of the debt, including a copy of the original signed agreement, the chain of assignment from XXXX to Monterey Collection SV, and a full itemized accounting of the amount allegedly owed. 



Please also be advised that I did not provide consent to XXXX to transfer, assign, or sell this alleged debt to a third-party collection agency. According to basic contract law and supported by the principle in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX, XXXX ), the assignment of contractual rights does not inherently bind the obligor ( myself ) unless there was an agreement to such terms. Since I never agreed to any contractual relationship with Monterey Collection SV, I have no legal obligation to them.

As such, I assert that : I am not responsible for any debt claimed by Monterey Collection SV. 

This alleged account must be removed from my credit report if it can not be independently verified with original documentation and lawful assignment. 

Continued reporting of unverifiable, invalid debt may constitute willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to civil liability. 



Accordingly, I am requesting the following : A thorough reinvestigation of this item. 

Full documentation used in the verification process, including original creditor agreements and legal chain of assignment. 

Permanent deletion of the account if it can not be fully validated. 



Please consider this letter a formal dispute. I expect a response within the required 30-day period as established by law. 



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

I believe that there is identity theft because my credit report shows two closed off accounts that are not mine and I do not recognize them. The first account is from XXXX XXXX and there is a written off charge, past due balance of {$23000.00}. The account was opened in XX/XX/XXXX. " The credit line was suspended XX/XX/XXXX- XX/XX/XXXX ''. I have never opened an account with XXXX XXXX  The next unknown account is with Bank of America. The written off charge is {$8200.00}. On XX/XX/XXXX, I called XXXX, filed a dispute, and placed a fraud alert on my account. On XX/XX/XXXX, I called bank of America and filed for identity theft and fraud alert. I also called XXXX, again, because the dispute results claimed that both of the unknown accounts were mine. However, they are not. So I filed a dispute again for fraud alert and identify theft. They said that I will receive the results in 30 days or less.
Product: Credit card

I had some issues about 3 weeks ago where transactions were declined. When I asked Goldman Sacks/Apple , they couldn't or wouldn't tell me what was happening. Eventually the card started working again. 2 days ago I looked at my Apple Wallet and noticed the card was locked. I opened in inquiry into why but they wouldn't tell me anything. I did notice that the card was working for a few subscriptions but that was all. 
I tried to add the card to a new phone and I can't add it. I asked for a status again and they won't tell me anything.
Product: Credit reporting

I previously submitted a complaint regarding a IRS Withdrawl for XXXX which should have been deleted from my Credit File relating to Lien XXXX. 
Equifax claimed in there last response below that is was deleted from my file. However the XXXX is still appearing on my credit report and is drastically affecting my credit score which is causing a major hinderance in obtaining new credit. 
XXXX is part of XXXX and was reporting as a duplicate on my credit report from the beginning and needs to be deleted. This has already been Withdrawn by IRS. 
IRS Serial Number for Release & Withdrawl of this included amount of XXXX is Serial Number : XXXX. 
Also, they retaliated with my prior complaint and reinserted XXXX prior State Tax Public Records which were previously deleted. This is blatant Credit Discrimination in itself and I am requesting the XXXX Public Records be removed from my Credit File.
Product: Credit reporting or other personal consumer reports

I have sent full payments amounts indoors to all these companies listed within all my complaints to their indenture trustees now according to 15 USC 1692C they are not supposed to be contacting me nor blowing me up like they do constantly every other day. Now this is the law. I'm not understanding why it so hard for theses companies to follow the laws and regulations that have been set in place by the government. What makes them above the laws. If it was me doing these things and or not following the laws that was set in place to XXXX people like me around. They expect me to follow the laws and regulations. So what's the difference or problem with these companies to follow the laws and regulations that set in place supposably to protect the consumers but nothing being done to protect me nor to theses companies that are breaking the laws. Are you telling me because I'm Native American it doesn't apply to me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase at XXXX XXXX for XXXX on my PayPal Credit account. I returned all items on XX/XX/2022. PayPal credit never refunded my money. I contacted them in XXXX and filed a dispute and they said it would take at least a month to investigate. Supposedly I had paid XXXX toward this bill. I contacted them again in XXXX and they said they had no record of such disputes and theyd put it in again. I contacted XXXX who send me the copy of the return for PAYPAL CREDITs system. The returns were made in 3 different transactions that totaled the XXXX. XXXX. I sent in this information to PayPal by both fax and email. When I STILL didnt have the credit in XXXX I filed an FCC complaint and then the next day I got my credit returned. I just looked at my account and on XX/XX/XXXX I was charged AGAIN for the XXXX. I just called PayPal Credit and they said they were sorry but they found the dispute in favor of the merchant. The merchant sent me the record from PayPal so there is no way this is true. I am being charged for a return I made. PayPal has the info I sent them plus they have the return in their own system. I need this back off my account immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XX/XX/XXXXXXXX - Opened XX/XX/year>2021 With a balance of {$9900.00} Account numbeXX/XX/XXXXAll of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Ordered some speakers through XXXX and when they arrived, it was not what was ordered so I informed XXXX, to which they approved a refund upon their return. 

When the items were returned, rather than receiving a full refund, ONLY a XXXX XXXX refund was issued Long and short, I did not receive what I ordered and paid for, XXXX states a refund is approved but has never been issued, therefore I would like to place the following items in dispute and request you refund my money. 

The charges in question is : XX/XX/XXXX XXXX {$610.00} XX/XX/XXXX XXXX {$140.00} -- -- -- -- -- -- -- {$760.00} Sent disputes to Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no resolution, which is why I am filing a complaint with you.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | XXXX : XX/XX/XXXX .. Consumer ID : XXXX Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a XXXX report XXXX Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
Additionally, this account has passed the XXXX statute of limitations ; and for that reason, it must be removed. 
Please verify the following account or remove it immediately. 
Bank Name : XXXX XXXX  Account # : XXXX Closed XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Klarna falsely reported via other institutions chargebacks or certain items with chime that I never got, thei decisin despite issues refunds after reporting them to governing bodies remained that since I exercised my right although I owed no money to Klarna I would not use their platform or have a {$0.00} spending power in retaliation of these rights being protected.
Product: Credit card or prepaid card

On the XXXX of XXXX, I received a letter from PNC Bank stating that my credit limit has been drastically decreased from {$7500.00} to {$700.00} due to factors from most recent credit report. However, there are no negative blemishes on said report, showing nothing but exceptional payment history for our entire relationship. Utilization went from 24 % to 50 % due to their changes, and a lack of explanation as to what could have caused this is why I am submitting this complaint. They told me it was based on credit report and could not discussed further. Credit report shows nothing and has now dropped by XXXX points due to this change alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with XXXX, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time. 

As a result of this reporting error, my credit score has dropped 100 points.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Money transfer, virtual currency, or money service

Start as XX/XX/2022 to XX/XX/2022. I had wire to XXXX account in the City Of XXXX XXXX, California XXXX. To invest in XXXX total amount is {$140000.00} from two banks. {$120000.00} from Union Bank ( which is sold the business to US Bank now and {$20000.00} from XXXX XXXX. So many time, I requested return these wired, but it failure. I request to use bank protect to solve the situations but they refused. They said that the beneficial bank wouldn't reply and said that " nothing we couldn't do and close all these files ''. 
I went to the banks wire them to XXXX account and transfer them to XXXX wallet, from here the scammer ( s ) withdrawal my fund. The scammer ( s ) who is located in the XXXX wallet, keep directed me around with all these fault information, I was put my trusted in them, because they are work big name Companies beside they have these account high tech to communicate ( they should registered ). 
After I requested to withdrawal my fund, they asked me to pay for the capital gain tax too. I was confused because I made any profit yet. They keep push me to send more money in to release my principle. I had to get the loan from my business and all credit cards that I have as that time. After all the trouble. I could not able to withdrawal either. After few days they block me shut the website down. 
I believed these Companies should protect the customers not these scammer ( s ). And help me to solve my situation and catch the scammer ( s ) These Companies who had all this licenses to operation and protect the customers NOT the scammers. 

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

I just recently looked at my credit report on XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Mortgage

The property is located at XXXX XXXX XXXX. XXXX . XXXX XXXX, New York XXXX. The property went through mortgage foreclosure from XXXX to XXXX XXXX XXXX XXXX vs. XXXX XXXX . The property was also going through a foreclosure lien XXXX XXXX XXXX from XXXX to XXXX. The sworn affidavits presented to the court confirming that the tenant in occupancy had been served were false documents. XXXX XXXX XXXX Housing Authority allowed the Section 8 rental payments to be used to represent the tenants listed in the fake affidavit, and to hide my tenancy from the record to keep this apartment from being recorded as rent stabilized. I filed a XXXX  complaint against XXXX XXXX XXXX notifying them that the mortgage was in default upon XXXX XXXX death and they transferred the mortgage loan to Rushmore Loan Management, but with out a record of the rental income ; which should've been listed during the mortgage and the lien foreclosure. Now the mortgage loan is in XXXX XXXX XXXX and the account is delinquent since XX/XX/XXXX to the present. I've been 1 year and 6 months without a landlord, and the XXXX XXXX XXXX Board has refused to comply with XXXX Administrative Code 11-243 and to enforce NYPAL 2429- Rental on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$260.00} XXXX XXXXXXXX, XXXX {$840.00}, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Hi, I for visa prepaidcard from my prepaid center.com 4 card of each {$14.00}. It was not was not working I am trying to get this issue resolved from years back back but not got resolved. Please help on this
Product: Credit card or prepaid card

I was charged with unauthorized use/fraudulent charge on my Chase Freedom credit card by XXXX XXXX CT and XXXX XXXX CT accrued from XXXX to XXXX. I discovered the transactions and reported to XXXX Credit Card Fraud operations in XXXX, XXXX. The researched and credited the unauthorized charges on all transactions from XXXX. I sent them the claim letters on XX/XX/XXXX on the all unauthorized charges occurred during XX/XX/XXXX to XX/XX/XXXX. 
The total payment I made on their unauthorized charges is {$1400.00}. After I researched, I found the following unauthorized charges from them started back to XX/XX/XXXX, from then on they charged my credit card {$15.00} and {$8.00} separated each month. I did not authorize or used any of their services, merchandises nor any form of service. I never received any billing, invoices, receipt nor statement from them. I called them on XX/XX/XXXX, their representative told me they could find my account.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion. 2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXX XXXX  Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n. To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit report from TransUnion today. They sent me the report online and I copied it for my files. Nowhere could I find my credit score. The question on the next page of TransUnion said, " Would you like to know your score? '' and of course I said yes. Then is when the problem arose. I had to fill out an app to join their membership at $ XXXX. That sure isn't in tune with a free score I was told I'd receive. 

How do I get my score from TransUnion without paying?
Product: Checking or savings account

I was sick on XX/XX/XXXX and never left my house for 5 days when I saw MANY false charges on chase i knew they were false and called right away charges totaled XXXX and chase denied the claims for no good reason someone stole my credit card, chase said that because this person knew my pin number that chase has NO liability they changed the rules of my account and were somehow allowed to take out XXXX in one day from ATMs when my limit is XXXX my chase debit card was noticed stolen on or around XX/XX/XXXX I called right away they reversed the charges temporaily and have since denied ALL of my claims XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX I May presume that no proof of the alleged Debt nor therefore any such debt in fact does exist. 

I did not contract with this company or aware of debt with this company 15 U.S. Code 1692c - Communication in connection with debt collection U.S. Code Notes prev | next ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Consumer Loan

I was advised that I was approved on Friday XXXX/XXXX/2015. I had to call back to provide my debit card number. I was assured I was approved on Friday and when I called back on Monday, I was again assured that the loan was approved. However, no funds were deposited on Monday XXXX/XXXX/2015. I asked for my bank balance and the loan was denied after giving my bank balance after underwriting was contacted. 1. My loan was approved on Friday. 2. My balance has nothing to do with an underwriters decision from Friday but denied today. 3. As a result of their actions, I am in deeper debit by - {$640.00}. 4. I asked why was n't I informed of this deicision before now? He had no comment. I asked for a review of this decision but I was denied. The manager refused to give me anything other than his first name : XXXX and stated he will send me an email by XXXX. I signed a contract by eform and the loan was approved but the leader refused to issued to loan or pay for the fees resulting in misinforming me.