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

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, {$8.00} was charged to my Chase account for a recurring monthly XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) which was terminated by the club and chase inXX/XX/XXXX. I contacted Chase to advise them that I disputed that charge by telephone and letter. My account was credited for the full disputed amount. I have again received a bill from Chase for the exact same amount dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraud account with Equifax several time and it comes back verified. I sent in a FTC report as well as a police report and noting change. I sent in certified letters though the mail and several conversation on the phone with Equifax still no results. I fed up and this is hindering me from getting things i need with my credit. Please help. I also have a complaint about how can a collection be disputed one day a be deleted and three days later put back on your credit report?
Product: Debt collection

This letter is a formal complaint. You are reporting every month inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT with your company. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. 
I demand to See a Verified Proof. If you fail to Validate, Remove from my account immediately. 

When your system is UPDATED send me an copy of it also with the proof of physical verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for too many inquires on my Equifax report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from XXXX, Equifax, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason:XXXX: 1. XXXX XXXX XXXX XXXX Date: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX
Equifax: 1. XXXX XXXX XXXX  XX/XX/XXXX
2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX
8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX/
XXXX XXXX XXXX
: 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I sold a washer and dryer through XXXX on XXXX. The buyer transferred {$1300.00} to me through Zelle. Zelle emailed me saying the transfer was too much since I was not a business and to refund the buyer {$500.00}, and they would then in turn send me {$1800.00}. 
I did that and received another email to send {$700.00} and they would then in turn send me {$2500.00}. My bank would only allow {$200.00} for a max additional transfer on the same day. So I sent that. The buyer had asked for the additional {$500.00} the next day because his account was already deducted {$2500.00} I was already suspicious but since the emails came from Zelle I believed they were legitimate, and this was the first time I had used Zelle. When I contacted Zelle about this the first time, their automated system said I needed to speak to my financial institution. And it was impossible to get a live person on the phone. 
I called XXXX XXXX XXXX XXXX ( my bank ) and they instructed me to contact Zelle. 

On XXXX I spoke to my CU a 2nd time and was told this sounded like fraud and to reach out again to Zelle. I called Zelle and was finally able to get someone on the phone who did in fact confirm the emails were not from them and it was all a scam. XXXX XXXX XXXX union could not reverse the withdrawals, and Zelle told me they could not do anything about this as well. 

When I informed the buyer of this, he disappeared from XXXX. 
I am attaching the emails from Zelle, the conversation between myself and the buyer, and my account transactions from XXXX showing the funds being withdrawn. 
Is there anyway to recover these?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I have closed on the property located in XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, as of the date submitting this complaint the account still shows open in my credit file. 
The mortgage has been paid off, and the property is no longer under my mane in the county where the property is located. 
Over 45 days later XX/XX/2023, I have emailed XXXX XXXX, XXXX from XXXX in order to update the account on my credit file, as of today date no response.
Product: Checking or savings account

Yesterday, XX/XX/2024, I used my mobile app to access my account. I was waiting on my work check direct deposit. I logged in about XXXX at various points of the day. At XXXX yesterday i was locked out of my account and told to call the bank. Now today, XX/XX/2024, I tried to log in again. Once more I was told to call I couldn't access my account because I had exceeded their limits. The first representative said it was cleared up, I was driving to work, stopped to log in and still was locked out. I called again a XXXX time and was told I had to wait XXXX hours before access was available. This barred me from making necessary transfers and accessing my money. This bank does not have physical branches for me to obtain my funds directly. I requested the XXXX ( named XXXX ) to explain how I access my money if I am locked out. He wouldn't answer told me I can transfer funds within the account ( I need the money for my bills which will now have late fees ) due to this issue. It is not legal to bar anaccount holder access to funds in a computer and not have an ability to access the funds when there are no physical branches to do so. XXXX the XXXX said he'd send me a letter after XXXX to XXXX days confirming them locking me out for XXXX hours.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian on multiple occasions, instructing Experian per FCRA to remove inaccurate information from my credit report/profile. These inaccuracies are damaging to my life and have contributed to hardship ( s ) suffered by me and my family, whom I am responsible for providing for by defaming my name, image, likeness and character.
Product: Credit card

Despite my repeated requests to be removed from Capital One 's mailing list for credit card offers, I keep getting them in the mail. I have called, left messages, and talked to people with guarantees that I am off their list yet I keep getting them. I am already on the non-solicitation list with my credit report yet Capital One keeps mailing me offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair reporting act XXXX accounts : 1. All inquires listed 15 USC 1681 Section A-6028- I have the right to privacy 15 USC 1681 Section 604-A Section 2- Consumer reporting agency can not report accounts without my written instruction from consumer. 

XXXX, XXXX, and Transunion all have listed hard inquires without my authorization.
Product: Checking or savings account

I requested the routing number and the account number of my business Venmo account. The only available support method to make this request was Venmo chat within their mobile application. I chatted with a XXXX XXXX She cited company policy and stated the direct deposit was not available, refusing to provide me with my routing number and account number. As I understand it, I am entitled to know my routing number and account number. As I understand it, Venmo, and PayPal, its parent company, our essentially new interfaces for traditional bank accounts. I refusing to provide me with my routing number, and account number, Venmo forces, anyone wanting to pay my business to use their Venmo Processing service and charge a processing fee.
Product: Bank account or service

My deposits and money in my account should cover all expenses. XXXX check that i deposited was unable to be processed by the bank due to " connectivity errors '' by the app. I get a overdraft fee, which I thought was illegal for banks to make money off of fees. And now my account is negative because bank of america keeps charging more extended overdraft fees. This would n't be a big deal but I have no money and I live paycheck to paycheck. So my check is enough to cover my apartment and living expenses but not extended fees that will keep occuring and continue to push my account further into a negative balance because I am unable to pay for them. I call Bank of America to see if I can have these fees removed and they say " These fee 's were properly placed. '' I feel like I have no power over this situation and I stress and I ca n't eat because I am thinking about how I am going to afford next months rent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 measure 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

This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4200.00} with XXXX  XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided documentation that I am obligated to pay for the alleged debt. I have tried to make contact with XXXX and have been unsuccessful with having this debt removed. I have now sent the same information to The Better Business Bureau as well as The Consumer Financial Protection Bureau to assist me. This collection company has never sent information to state that I have gone into contract with them. XXXX  passed over the debt to XXXX XXXX XXXX XXXX, however, XXXX officially wrote it off and the debt is discharged.  I have never entered a contract or received goods from the collection company therefore their dispute is null and void. 

I demand that XXXX removed the negative report against my SSN. Im asking that they send me a updated copy with this collection being removed from my credit. I have attached several documents showing that this collection is being reported on my credit report and XXXX not updating on my report that its being reported by a collection agency. 

Sincerely Thank You for Your Assistance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a mortgage with XXXX.i got a letter from them in XXXX, saying they were gon na sell my loan to Shellpoint mortgage.i did online reviews of there company, and decided i don't want any part of them.so i paid the mortage off on XXXX.i sent a cashiers check, i got the letter from XXXX saying paid in full i got an alert from XXXX credit bureau on XXXX saying my credit score went from the 800 '' s to the six hundreds.so after investigating, Shellpoint Mortgage said they hadn't received a payment in 120 days.the credit bureau report said , amount owed XXXX, amount paid XXXX, after all of this Shellpoint admited that it was a mistake.but they want me to send them a letter asking for them to remove it from the credit bureau.i said '' u just told me it was a mistake '' and now u want me to ask u to please remove it!!!, after the hard ship i have been through!! but i did send them the paid in full letter from XXXX, a copy of the cashiers check last week.i called them today XXXX, they said they had received my documents, and do u believe they still want me to send them a letter requesting them to remove it from my credit report!! i said, wait a minute, i'm the victim here, shouldn't you be sending me and apology letter!! i have allready the attorney general.they suggested i also contact u.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Balance {$1000.00} ; Collection Associates Original Creditor : XXXX XXXX # # # # # XXXX XXXX Balance : {$80000.00} ; XXXX XXXX XXXX .... Balance : {$200.00} ; XXXX XXXX XXXX .... Balance : {$63.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Recently signed up for monitoring company in which I first noticed fraudulent account reporting from company Monterey Collection SVC XXXX XXXX XXXX XXXX CA. I have no relations to think account this is a result of identity theft as I have reported to the FTC as Identity theft and seeking that it be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I filed a fraud report with the FTC and CFPB XXXX XXXX XXXX refuse to accept their documents They are Government Agencys by law that is all I have to do XXXX  and XXXX XXXX XXXX refuse to except the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I need the following to be updated right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been over 30-days late, but it shows that I have on the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. The following collections/closed accounts do not belong to me nor was written consent given for them to be placed onto my 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 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 I never made a late payment on these accounts , please correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Debt collection

XX/XX/year> ( XXXX yrs, XXXX mos ) I am not liable for this debt with NCA. I do not have a contract with NCA .The statues of limitation have past on this debt in my state which is Virginia . The date for the start of this debt for which I have no original contract for with NCA is XX/XX/year> ( XXXX yrs ) .They did not provide me with the original contract. If after reinvestigation under paragraph ( XXXX ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Product: Checking or savings account

I have been locked out of my banking application profile for about 3 week to a month now. They display an erroneous information on their website, saying that it will be resolved after 24 hours, however this does not happen. I have called the customer care line repeatedly with no luck ; they end up transferring me to many departments and units with no resolution in sight. As I write this I am on a call with them for over, and the duration is 1hour 9 minutes. Unending calls where I keep getting transferred to different departments and they keep asking the same questions. As a result of this lockout, I can not transfer funds, nor manage my credit card account.
Product: Credit reporting

XXXX - Barclays Declined Dispute / negatively affecting credit score. 

Intially, I was charged {$120.00} for consulation, we were very hesitant because there was no real sign of them being licensed, no medical staff were present & provided no business cards at all. My appointment originally was with a female doctor but she apparently was n't around & another male doctor was available. My husband asked for proof of credentials or certification & was he a board certified plastic surgeon, he would not present anything. After all this, we were n't comfortable going ahead, could not trust this company and walked out. My husband told the receiptionist, XXXX, that we do n't want to go ahead with the procedures and would like our account credited for amount they took in advance. She told us the XXXX XXXX accouting office is closed, she will call the office on Monday & so did we, to get the full refund returned. My husband spoke with XXXX XXXX from their accounting department in XXXX about the refund & XXXX emailed in writing a confirmation that the refund process has been intiated on XX/XX/2010. Nothing was refunded to my original credit card for the {$4000.00}. We called again but were told XXXX XXXX was no longer with the company. 

I contacted my credit card provider, Barclays, about what happened & numerous disputes against this charge and XXXX. Barclays were very unhelpful and refused to accept my genuine, legitimate request.
Product: Credit card or prepaid card

Wells Fargo is not looking into my dispute claim.
Product: Mortgage

i would like a certified forensic and bloomberg audit done on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and shellpoint mortgage servicing. i believe there is a number of fraud violations in this consumer credit transaction
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Would you mind checking the documents? Some accounts have inaccurate reporting, amounts, and dates.
Product: Debt collection

Debt collector has unfair collection practices. Every month they send wrong balance due. Made a final payment, on a settlement with Company. They continue to send notices for more dollar amount. I a senior and have incurred medical issues. Please help me. Thank you in advance