23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a credit report notification that a new collection account was added in the amount of {$4000.00} from a company by the name of ConServe. By my own research ConServe collects debts on student loans or past due/default accounts. I am very confused because ALL of my student loans are consolidated with the Department of Education and I am currently paying through XXXX XXXX which is a company affiliated with the Department of Education. I have placed a call to XXXX XXXX and they have not received ANY information about ANY additional loans being added to my account, ANY outdated payments due to ANY Universities or Colleges or me not paying on any other loans nor owing any other university. Second, I am and will dispute this collection to my credit report because I was NEVER notified by this company by regular mail, certified mail or telephone also per XXXX XXXX I am NOT in default on my student loans. This company did NOT give me an opportunity to accurately investigate or dispute any alleged debt prior to placing it on my credit report. I was unaware of the debt so I have not directly contacted the company but I am sending a letter TODAY ( copy of letter attached ) by certified mail disputing and requesting ConServe to validate ANY alleged debt that was placed on my credit report. Lastly, if or when the validation is received I will have the Department of Education ( XXXX XXXX ) look into it along with contacting the actual original creditor and have the them handle the alleged debt. I DO NOT wish to do business with ConServe under any circumstances which is my right and the negative information needs to be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WAY XXXX XXXXXXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

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 In accordance with the Fair Credit Reporting Act XXXX Accounts, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an information on my credit report ( Hard inquiries ) that don't belong to me. 
How I can take out This Hard Inquire from my account? It's affecting my credit score.
Product: Credit reporting or other personal consumer reports

I respectfully ask for you guys to provide proof of the below alleged items, specifically the contract, note, or other instrument bearing my signature for the following account : XXXX XXXX XXXX - XXXX. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber that was contacted to validate this account. 

I also read that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that I am requesting the description of the procedure used to determine the accuracy under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of Investigation Procedure. Completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. If this information can't be furnished, remove this account from my credit report as soon as possible as this account is injurious to my chances of obtaining credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

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

XXXX They are saying it had to be seven seven years from last payment Past Due both of these accounts are past due date XXXX and the balance are wrong. 
SYNOVUS BANK XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria Secrete ( Comenity Bank ) is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX. After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, Victoria 's Secrete closed my account. When I tried to call and dispute the late payment status with Victorias Secrete, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from Victorias Secret who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for Victoria Secrete to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.
Product: Credit card

This company is a bottom dwelling and predatory company. I submitted a payment in the amount {$190.00} on XX/XX/XXXX as a letter I received said I was late by {$190.00}. I receive a statement today that says I owe a minimum of XXXX which is absolutely atrocious and grotesque if you calculate based of the predatory fees you dont get anywhere near that amount whereas you get the minimum of {$190.00}. Unless they jacked the apr to 392 % which isnt surprising because of the reviews on this company are below a 1 star. They took away my ability to pay online and have not applied any of the payments I have sent to their po box . This company needs shutdown.
Product: Checking or savings account

On XX/XX/2023 my Chime account was hacked and numerous unauthorized charges were made on my account I contacted Chime Bank to report the unauthorized charges and dispute them. Chime Bank says they investigated my claim and has denied all of the unauthorized charges the charges were 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. All of these unauthorized purchases were made on XX/XX/2023 while I was at work. I notified Chime on the same day and immediately disputed these unauthorized charges and till this day they have not replaced my money.
Product: Debt collection

This number keeps calling me XXXX XXXX they won't stop they asking me personal information
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill his obligation under the fair credit reporting act to conduct a reasonable re-investigation of dispute information on my credit report, leaving an accurate or on variable accounts unresolved the consumer, financial protection bureau has recently filed a lawsuit against Experian, alleging, systematic issues such as filling to, for consumer provided evidence to to furnish is excepting unreliable responses and fully to adequately, notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence, and provided causing ongoing harm to my credit standing I requested immediate correction actions to remove or amend dispute accounts experience inaction, violates federal law and my rights as a consumer
Product: Checking or savings account

I contacted Chime about a identity theft about a account I opened and they stated that they found no evidence of identity theft. I want them to show proof it was my account and that I used it or to remove the account from there system so I can bank with them.
Product: Checking or savings account

Company showed funds that were not there and allowed overdrafts.
Product: Debt collection

The court issued an order of wage deduction on XXXX XXXX, XXXX for {$56000.00} debt owed to XXXX XXXX XXXX XXXX XXXX, although I received a XXXX from XXXXXXXX XXXX for tax year XXXX cancellation of debt XXXX. The XXXX was sent to the creditor attorney. As of XXXX/XXXX/XXXX the balance due according to the creditor is {$54000.00} although I received XXXX ( XXXX ) for {$5200.00}. It does n't appear the amount is decreasing as it should. The judgment amount continues to accrue interest, no statements of explanation has been provided to me. The original loan amount from XXXX XXXX XXXX was {$25000.00}, XXXX XXXX did n't provide how the amount increased to XXXX
Product: Credit reporting or other personal consumer reports

Inquires on my credit dont no knowledge about I was involved in a data breach my information was in fraud
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 we made an international wire transfer from our XXXX bank XXXX, XXXX for {$28000.00} to our bank Wells Fargo in the USA and the money never appeared in our bank. 

We have tried to clear this up numerous times with Wells Fargo, that denies ever receiving such money. 

XXXX denies having this money and claims Wells Fargo has it
Product: Debt collection

I have no knowledge of this debt, please provide demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. absent such proof, you must correct any erroneous reports of this past debt as mine, i requested the collection agency to provide the following information : -please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( i ) in this alleged matter. -what is your authorization of law for your collection of information? -what is your authorization of law for your collection of this alleged debt? -Please evidence your authorization to do business or operate in this state. -Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. -Please provide a complete account history, including any charges added for collection activity. -Please provide me a complete purchase what you pay for the debt. you have 30 days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. provide the proof, or correct the record and remove this invalid debt from all sources to which you have respond it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  was disputed on  XX/XX/XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XX/XX/XXXX      My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve with   XXXX   XXXX   XXXX  , Chex systems, and no luck.       XXXX   Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX Potentially Negative Status Account charged off. {$12000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$13000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$790.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XX/XX/XXXX XXXX XX/XX/XXXX Dispute XX/XX/XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute < -- - ALL ACCOUNTS LISTED ABOVE ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX -- - ALL OF THESE COMPANIES LISTED, I DO NOT WORK THERE. 

-- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX < -- - ALL OF THESE ADDRESSES DO NOT BELONG TO ME. 

-- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX < -- - ALL OF THESE PHONE NUMBERS ARE NOT MINE. 


-- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL OF THESE NAMES ARE INCORRECT.
Product: Credit card

Bank of America website does n't allow customers to setup an automatic pay for a minimum payment : customers have to guess an amount. If the guess becomes wrong at some point, the account goes into a past due status and a late fee of {$37.00} is charged. Bank of America website does n't allow customers to setup an alert of past due amounts, so that they keep charging the {$37.00}, eventually report to credit bureaux, when customers finally realize the problem. Customers, like me, who has setup automatic pay, are notified that payments were made ( but not that they were insufficient ) have not reason to suspect that there is a problem. My guess is that millions of americans are falling into this trap, because other banks, such as XXXX, XXXX, XXXX, XXXX XXXX, to name just a few, have a website that enables customers to select " pay minimum payment, '' so if that if minimum payment goes up, the account does n't become past due and the very high late fees are not collected. Customers in the XXXX XXXX expect a minimum level of customer service provided online, and Bank of America is not providing that. 

Having an online presence that is misleading to customers ( i.e., automatic pay option, but not for minimum payment, and alerts available, but not for past due amounts or payments below the minimum amount ), could have been designed by Bank of America to increase their revenue stream. I would like an investigation of the amounts collected by Bank of America from all customers that experienced the same problem described here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries which are still showing on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage was paid off XX/XX/XXXX. XXXX months later, I have not yet received Escrow reimbursement. In phone call XX/XX/XXXX Customer Service informed me they have other clients to service. 

By law, lenders are to issue Escrow reimbursement within three weeks of mortgage payoff. PNC is in violation and should be prosecuted.
Product: Credit card or prepaid card

Closed my credit cards out of the blue, after being a Chase card member for years. I have never paid my bill late and always pay off my balance. I paid annual fees on some of the cards they closed and they were not willing to refund my prorated annual fee. 
I went to use my card one day and it got declined, they could have at least called me or sent me an email to notify, but no they said they mailed me a letter. Well by the time I get this later it is too late, I had to find out my getting my card declined. This is outrageous. I was left high and dry without a way to pay.
Product: Checking or savings account

My bank has notated fraud on my account. They claim that I was warned multiple times to not give out my card information and that I refused and continued to do so. I informed them this is not true, and I requested phone recordings to prove their claims. They told me they would not provide such information, and I was welcome to subpoena through my attorney. All I want is these untrue and unproven claims removed from my account/record. I no longer bank with this institution, and I would prefer to have no more association with them. However, this false information is being relayed to other banks, which is completely unacceptable. I have the last phone call from the company recorded ( which I notified them of prior to the phone call ), but it is too large to upload here. I will forward upon request, but this call confirms these claims.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally report that I have been a victim of identity theft, which I believe resulted from the XXXX and XXXX XXXX breaches. As a result, TransUnion is reporting inaccurate and fraudulent information on my credit file. Pursuant to 15 USC 1681c-2 ( a ), I am requesting that TransUnion block the reporting of this fraudulent information to protect my rights as a consumer. Please take the necessary steps to investigate this matter and ensure compliance with federal law. 

XXXX XXXX XXXX XXXX- {$1500.00} Date Opened - XX/XX/year>
Product: Debt collection

XXXXI have never ever had an account with True Accord nor have I ever had an account with XXXX XXXX XXXX. They sent a harassing email to my account referencing XXXX XXXX. My name is not XXXX XXXX  yet they send me debt collection notices bothering me. It is a scam, saying a debt is owed for XXXX XXXX XXXX XXXX for a account ending in XXXX  which I do not have a XXXX XXXX. It lists the address as XXXX XXXX XXXX in VA and I live in MD another flag that this is a scam. Citing XXXX is owed as of XX/XX/XXXX. The scammer is asking that I dispute this debt by XX/XX/XXXX asking me to click on a link so they can still my private information\n\nTrue account number they reference unknown to me XXXX\nphone XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX'