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

To Whom It XXXX Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding Portfolio Recovery {$580.00} Portfolio Recovery {$280.00} Portfolio Recovery {$460.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) by not placing the disclosure within the required XXXX period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you XXXX be liable for your willful non-compliance, as per FCRA XXXX ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. XXXX XXXX of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

XXXX is violating 15 USC 1681 n Violating 15 USC 6802 15 USC 1681 ( 7 ) 18 USC 242 Anyone can review XXXX party but the law is clear and all consumer reporting companies must follow the law as outlined.
Product: Prepaid card

I have a rushcard with direct deposit. I found out that they were having problems and sure enough my dd didnt come. I spoke with someone in customer service who told me he couldnt tell me when my money would be available. I began to stress to him that my electric and gas will be disconnected if I dont have my money. He responded by sayin sorry to hear that but there is nothing I can do about it. I then said so you just telling me me n my kids are going to be in the dark and he said guess its a possibility. HELP. I am callin my employers first thing but im afraid they wont change it right away.
Product: Checking or savings account

Over a period of 2 days in XXXX ( XXXX ), I had {$4100.00} debited from my account without my authorization. I contacted my financial institution, Robinhood, on the XXXX when I noticed all funds from the cash management ( debit portion of account ) had been depleted. 

All transactions have been to the same vendor and only minutes apart. The amount debited from the account range from a few dollars to a little more than {$40.00}. This was consistently done over the two days time. 

I have tried, in good faith, to get a hold of Robinhood and get the issue rectified. It is now early XXXX and I have heard very little from them, if anything. I have sent several emails, have tried multiple times to call on the phone and have spent multiple hours on the phone with little success. I can not get a hold of anyone that can let me know of the status of my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail was sent to Equifax, XXXX, and XXXX regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX  failed to investigate and 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. Equifax, XXXX, and XXXX  responded with a letter negative listing verified. Who verified these accounts? 

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. This is not a duplicate nor is the complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Experian.com. I have XXXX accounts that have charge-off status and they have past the statue of limitation. I have written numerous letters to Experian and I have disputed these accounts and Experian has failed to properly investigate and every time the accounts are updated instead of being deleted. I have written letters back on XX/XX/2024 to the reporting companies and they have never responded. I need these accounts removed from my credit report based on the statue of limitations for the state of California.
Product: Credit reporting or other personal consumer reports

When my car was stolen my purse was in it with my kids and my social security cards
Product: Credit card or prepaid card

Sorry for the lateness of this! Accidentally, I filed a complaint on XXXX XXXX, XXXX with the wrong agency ( Federal Trade Commission, ref # XXXX ). Below was what I sent to them : On XXXX XXXX, XXXX, I purchased from Best Buy.com an XXXX  XXXX XXXX XXXX  and the extra protection insurance plan, XXXXXXXX XXXX XXXX for XXXX. The cost of this insurance plan is $ XXXXmth, and it is automatically deducted from my account each month. On XX/XX/XXXX I had to change my Best Buy credit card # as a family member was racking up charges on it! I did NOTHING to the account other than change the #. And now here is where Best Buy erred : I guess when I changed my account # 's on XX/XX/XXXX, on my XXXX statement the {$12.00} was not deducted as it was supposed to be. However, the purchase does still show in the " Activities and Promotion '' portion of my statement, but again was not being deducted. Not my fault whatsoever. When I changed # 's back in XXXX I was never informed that I would have to notify whomever to have that {$12.00} deducted again each month under my new credit card #. I've had to change credit card account # 's in the past and never had to do anything additional. Whatever was being deducted under my previous acct. # would automatically transfer over. The actual XXXX payment was transferred over, but not the XXXX+ payment ( there is like a {$.00} or {$.00} payment taken out monthly??? ). Well low and behold I had to take the phone in for repair on XXXX XXXX, and the horrible nightmare began! The XXXX XXXX was about to make the repair, however they said it wasn't covered under the insurance plan. They advised that I go to the XXXX XXXX and maybe they could figure out what happened with the XXXX coverage. The Best Buy rep didn't understand how this happened either! So that's what I did. After several hours ( start to finish - not exaggerating ) the XXXX XXXX rep confirmed what the Best Buy tech told me. So as a result of this error on Best Buy 's part, I had to pay {$180.00} for a replacement XXXX. 
I've reached out to Best Buy via email and phone calls several times regarding this matter. My last attempt was XX/XX/XXXX and once again I got nowhere and ended up more frustrated than before!
Product: Mortgage

This is the 2ND REQUEST THIS YEAR and heard nothing back from my request on QWR from Wells Fargo. 
Their XXXX be dispute on accounting and servicing of my mortgage,. Which I am trying to get all the information I request in the letter. Knowing my home is trouble, I need to get this information I requested in the QWR ASAP. I understand that potential errors could have wrongfully resulted in one or all of the following : 1. Increased the amounts of my monthly payments ; 2. Increased the principal balance I owe ; 3. Increased my escrow payments ; 4. Increased the amounts applied and attributed toward interest on my account ; 5. Decreased the proper amounts applied and attributed toward principal on my account ; and/or 6. Assessed, charged, and/or collected fees, expenses, and other charges I am not legally obligated to pay under my mortgage, note, and/or deed of trust. So I really need this to be look into. 

I am also looking into what happen to settlement to help people who still has the Pick a Payment loan. I was offer no help from this settlement. Yet I am being told, Wells Fargo should had been able to offer something by now to help me out.
Product: Vehicle loan or lease

They submitted my credit without my authorization, on XX/XX/2019, which hurts me since it lowers my average score, I appreciate deleting, this application
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, DAKOTA FINANCIAL LLC add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

Faye servicing is my mortgage carrier, I had damage to my property on XX/XX/2020. My insurance company issued a check for {$4800.00}. The check was written to me and Faye servicing. Faye servicing said I had to endorse check and send to them.

And go to insurance check XXXX. However Faye servicing and this company took the money and has refused to issue a new check. Instead, they required a list of documents needed for the funds to be released. These documents include : contractors license, w9 form, sign contract, and lien waiver. I sent this in and they rejected w9 and lien waiver, per Faye servicing they wanted these forms in there company form. I sent the new forms in and again they refused to issue the replacement check. They then stated they do not accept XXXX contracts and I would need to get physical signatures. 
The rejection of documents has been going on for 15 business days. However, this company is holding onto checks and making interest on funds while the consumer has to jump over hoops to obtain insurance funds that are rightfully theres
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered several unauthorized accounts and inquiries on my credit report, indicating that I am a victim of identity theft. These accounts were opened without my knowledge or consent, with significant balances reported. The fraudulent accounts were opened in XXXX, XXXX, and XXXX. Additionally, an unauthorized inquiry was made by a company in XX/XX/XXXX. 

Upon discovering these fraudulent activities, I filed an identity theft report and immediately contacted the credit bureau to request the removal of these fraudulent accounts and inquiries. I also informed them of an inaccurate address listed on my report. 

Despite these actions, the fraudulent accounts, inquiries, and the inaccurate address remain on my credit report, negatively affecting my financial standing. I am requesting the immediate removal of all fraudulent accounts, inquiries, and inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Below is a transcript of the messages I received, Hi this is XXXX from America debt I'm a debt collector ID number XXXX and this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach me at XXXX or you can chat with me online at America ______ paid com I a.m. in the office Monday through Friday from XXXX XXXX to XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX again I a.m. a debt collector with the mayor _____ at XXXX if I have the wrong number please feel free to give me a call and let me know thank you Ive been contacted on multiple occasions both recently and also about two years ago. I thought the incident back then was a mistake. This is somehow connected to a security breach at a former employer of mine, XXXX XXXX XXXX. Theyre attempting to collect on behalf of a clinic for a pre-employment drug screening and when I mention XXXX they always want to end th call and apologize.
Product: Credit reporting, credit repair services, or other personal consumer reports

So check this out, I went to get a job and was denied things on my credit report that don't belong to me there's a car loan two cards that don't belong to me at all they are a result to identity theft.
Product: Mortgage

My mortgage was originally with XXXX and was transferred to Mr. Cooper. When they transferred the data, they didn't transfer my mailing address and SSN correctly. In the mailing address, the street name and number are missing. In the SSN, I have no idea what number they are using, but I am sure it's not mine. 

I have been trying to update this information for years now, with no luck. They ask me to signup online to make the changes, but I can't signup online because the system is asking me for the wrong SSN, which I don't know. I've called them many times, sent them letters and emails and yet, I have not received one statement for the last several years, so I have no idea of what the numbers in my account look like.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX. 

My issue is that i recive a email about my account has been permanent limited ( You can no longer do business with PayPal ( XXXX ID - XXXX ) XXXX, what is paypal object to do this when my account has never been asociate with any problem. 

i already had this limitation before and was already resolve ( Id. de referencia : XXXX ), i submit all the information without any problem. 

Why you place a new limitation again with excuse for hold my money, i dont think there is any risk with nothing on my account. 

i always use paypal in according to the policy. 
i guess paypal is for send and received money so, what is the reason of my limitation??? 

If there is a mistake will you please help me to fix this problem?? 

i will apreciate if you can review my account and i m sure that is nothing wrong or with any risk asociate. 

i hope you guys help me please. 

XXXX XXXX
Product: Debt collection

Contacted original creditor XXXX Hospital to request account was pulled from collections with Capio due to XXXX  XXXX at the time of medical care and did not provide HIPPA authorization to extend to 3rd party collections
Product: Credit card or prepaid card

On XX/XX/2023 I purchased numerous things from XXXX and used my cash app debit card to pay. The money was taken from my account on XX/XX/XXXX. Yesterday on XX/XX/2023 I got a notification from cash app saying the transaction from XX/XX/XXXX was updated to XXXX $ and they took the money out of my account AGAIN! I contacted XXXX and they said cash app was already contacting them about a technical glitch that happened and was trying to resolve this and to contact them. So I contacted cash app and they told me that the money originally was never taken from my account ( which it most defintely was ) and that why they took it was because they never received it! So I have been overcharged by XXXX $! And cash app will do nothing about it! Basiclaly saying Im out of luck! Im not rich I know what comes in and out of my account! Cash app is committing fraud!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX reports an invalid debt to the credit bureaus and I am 100 % XXXX XXXX. XXXX XXXX XXXX never sent me any letter as by FCRA and FTC Federal Law stating this was my account or that an account was in collections or charged off so I have no way of validating the debt. The credit bureaus always side with XXXX XXXX XXXXXXXX since they pay for a trade line to be reported and the credit bureaus make money from them. I am filing this final dispute if it is not deleted from my credit file immediately before I also lodge an XXXX XXXXXXXX XXXX XXXX  XXXX ) complaint against XXXX XXXX XXXX for taking advantage of this situation. I kindly ask the tradeline be deleted since XXXX never sent me evidence the account is mine and I have a XXXX XXXX which XXXX  causes my XXXX to become worse which this is causing.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00}
Product: Credit card or prepaid card

I have paid this account regularly for years, however the XX/XX/2018 bill was credited with both the XX/XX/XXXX and XX/XX/XXXX payment. 
I caught this situation and contacted the XXXX XXXX XXXX XXXX to see if they would remove the fee charged on the XX/XX/XXXX bill. I also expected the bank to Credit the XX/XX/XXXX payment to the XX/XX/XXXX bill, past practice has always allowed this re-credit and I had no reason to think they would not do what had been done in the past. 
The XXXX XXXX XXXX dropped the initial fee, however they neglected to reassign the payments as they were intended. 
Now my credit has been muddied and there have been threatening letters accusing me of being behind in payments. 
I am retired and on a tight budget, so the additional money The XXXX XXXX XXXX has requested would have to come from savings. I have made every payment as per our past three years of the account and believe the Bank has singled me out without cause. 
The XXXX  XXXX XXXX has demanded an extra payment and added {$70.00} in fees that I believe are unfair to me and my family.
Product: Credit card

American Express cancelled my card with them after being a member since XXXX. The representative I spoke to because of a return payment ( 2 ) times stated I needed a review and had to send documents in to prove my income. I had fraud on my personal checking account and it caused two payments to be returned I was in contact with American Express, but due to the fact that I am a XXXX elderly man, this representative abused his authority and took this review to levels not necessary, he was rude, and had his mind made up about closing the account before I even sent the required information, I feel discriminated against and I lost a very important card valuable to my business operation. Now since canceling the card I receive collection calls a week before the due date everyday automatic call telling me my card is past due, I made a payment today the due date and had to speak to a representative because my payment could not be done automatically because they placed the account in collections even though the due date was XXXX/XXXX/XXXX and not past due. For the past 6 days I have received calls in the early am and late at night outside the collection law boundaries and the account is not late. I feel that American Express has egregiously treated me and discriminated against me because I am a XXXX elderly male.
Product: Checking or savings account

this is part XXXX to previous XXXX XXXX fradulant charges. 

Account was made whole with a positive balance with written notification of desire to have account closed. in internal messages and previous cfpb and ic3 complant. 

over a month has passed and they are still allowing charges to be made to an account that was positive with no active debt card.
Product: Credit card

An unauthorized charge of {$290.00} was posted to my credit card account by XXXXXXXX XXXX XXXX. I promptly disputed the charge with my credit card company, providing clear evidence that I did not authorize this transaction. However, despite the lack of authorization and my dispute submission, Goldman Sachs arbitrarily denied my claim, determining that the transaction was valid without providing sufficient justification or conducting a thorough investigation.
Product: Debt collection

I sent XXXX certified letters stating that I do not know anything about this debt. I have never had an account with XXXX and will not pay for something that doesn't belong to me. In the letters, I've asked them to validate that this debt belong to me but to no avail. Since they have not verified this information, it has to be removed from my credit report which they have refused to do.
Product: Credit reporting

First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from XXXX. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you