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

I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00}, XXXX XXXX XXXX for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CHXXXX - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00}, XXXX XXXX XXXX for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970
Product: Debt collection

After dealing with 2 dr offices, he owns both, i had authorized payments to be taken from my debit card monthly until paid in full. Not knowing there were 2 billing offices, i ever received a bill for a service tat ended up being written off. After several months of back and forth with the dr office, it was clear they sold the debt to Capital Accounts in the amount of {$2900.00}. I never received this info as they had a pob that i had not had for years. I saw the credit bureau where it was listed. I contacted this collection agency to inquire what this debt was for and was told for the services from XXXX XXXX XXXX, which is my heart dr . I  see him 1-2 a year and was never told there was an outstanding balance. I was not given opportunity to deal with this debt until they posted it on my credit. Working with XXXX with the billing office at the dr , she is trying to pull back the account, telling me that the Capital Accounts refuse to send back the file for them to collect. I will not deal with a creditor that handles business as such. I do not dispute the debt as I will gladly work a payment plan with the dr office but not with the unprofessional people who do nothing but tell me to pay my bills and not be a dead beat.
Product: Credit card

My wallet was stolen and two credit cards were illegally used on XXXX XXXX XXXX 
One of the credit cards was the Paypal Cashback Master Card of {$700.00} at the XXXX XXXX XXXX XXXX XXXX ). I contacted PayPal to report my card was stolen and was used by the thief as soon as I got a purchase notification on my phone. I also told the representative that I filed the police report for theft and illegal/deceptive use of my credit cards. 

After issuing a new account number, I noticed that {$700.00} from XXXX on XX/XX/, was posted to my account. I called back Paypal on XX/XX/2XXXX asking why I saw {$700.00} posted on my account, when I would get a confirmation letter for this stolen credit card/fraud activity report, and if you need any police report number associated with this incident. 

However, the representative said, No, it's NOT needed. Then, all I heard was that I would receive a letter for this report in the mail, a temporary credit for {$700.00} would be credited back to my account soon, and it would be investigated by Paypalwhich can take up to days. 

As of today, XX/XX/, I have NOT received a letter of this incident being investigated. 
I DO NOT see a temporary credit of {$700.00} in my account. 

I also want to know how you will investigate this WITHOUT any police report number or other evidence/information I offered/am willing to provide. Since my entire wallet was stolen, all other banks and credit card companies requested the police report number and the police officer 's name, including the contact number from me, EXCPET PayPal. 

I WANT TO KNOW how you will investigate this {$700.00} charge at XXXX and how you will tell this card was used by a thief on that day without any information. 

PLEASE send me a confirmation email or letter regarding this illegal activity report and how it will be investigated. 

PLEASE issue a {$700.00} credit back to my credit card. 

Here I have attached three documents, Two police reports from the XXXX Police Department One pdf file of emails from XXXX Store Manager
Product: Checking or savings account

Approximately on the date of XXXX. XX/XX/2021, wrote a check to XXXX bank in the amount of {$150000.00} wanting to transfer funds and deal with only bank. At which time Chase bank froze the account and would not allow the transaction. Causing a situation at XXXX bank. Chase has been impossible to deal with or contact. If you do reach a person they are normally unable to help or are not cleared or authorized to comment. Please hold- next person same situation or you need to go to a local branch where I'm told that its out of their hands, here 's a number to call. Been there done that a number of times to no avail. 
Rude, discourteous, and even hanging up. Was told that the account had been close and check was in the mail around XX/XX/XXXX tenth.waited a couple of weeks and no check.Called back and was told check had been mailed and that they would have to investigate and resend. Waited an no check.Called back and was told they were investigating and the account had been closed and funds distributed. Not so. 
Consulting with our bank reps at XXXX and our attorney we're using on another matter, we were told there was no reason Chase bank was allowed to do this. Mr. XXXX XXXX XXXX, the first signature endorsed the check to XXXX for the transfer of funds to XXXX. Mr. XXXX passed XXXX. XXXX, which had no bearing on this issue because I was and am still the second signature on the account. 
Note that they have received copy of death certificate which they didn't actually need because I also owned the account. 
As a Veteran of this great nation and a senior citizen I feel deeply violated and humiliated and awed that a bank or any other business could rob you and it be allowed. I can't begin to describe the helplessness I felt, and the disrespect. Please HELP respectfully. Worst company Ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX was added to my credit report in error. This is not my account and I have never paid late. 

2. XXXX this is not my account. I was a victim of identity theft. 

3. XXXX  XXXX the balance on this account is incorrect and I have never been late.
Product: Credit reporting or other personal consumer reports

It is my understanding that FCRA 605B obliges us to eradicate any incorrect entries from my credit profile. Might I ask you to review the paperwork? Certain listed accounts are inaccurate in terms of their reporting.
Product: Credit reporting or other personal consumer reports

**Subject : Formal Dispute Under Fair Credit Reporting Act ( FCRA ) Fraudulent Account** To Whom It May Concern : I am writing to formally dispute the following information on my credit report under Section 623 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). The accounts listed below are fraudulent, and I did not authorize their creation or access to my personal information. 

**Disputed Accounts : ** - [ XXXX XXXX XXXX XXXX XXXX XXXX **Reason for Dispute : ** Identity theft/fraud. I did not open this account or permit anyone to use my information. 

**Actions Requested : ** 1. Conduct a full investigation into this account.

2. Remove all fraudulent information from your records and notify all credit bureaus to delete it.

3. Provide me with written confirmation of the resolution.

4. Share copies of all documentation related to the accounts creation, including applications and transaction records. 

**Enclosures : ** - Copy of my government-issued ID. 
- Copy of [ Identity Theft Report/Police Report/FTC Affidavit ] ( if available ). 
- [ Additional evidence, e.g., fraud alerts, correspondence ]. 

As a victim of identity theft, I expect your prompt compliance with FCRA requirements. Failure to resolve this within 30 days may result in legal action.
Product: Payday loan, title loan, or personal loan

I used the " see if you qualify '' on the XXXX while shopping for new golf clubs. The offer said it won't impact your credit score, they use a soft pull to obtain my credit score. I was offered a 9.9 % APR with a 24 month term to finance the golf clubs iI ordered. During the process a contract was provided, but showed 19.99 %, not the offer I was approved for. I then received a notification from my credit monitoring service a hard inquiry has incurred from XXXX. I called Klarna this morning and was told I had a 30 minute wait to talk with a rep. I used the chat service asking for a copy of the contract for the XXXX purchase. They could not help and said this request will need to eseculated and will take 1 to 3 business days for a chat rep to contact me. I never received a copy of the terms and agreement for credit., they pulled a hard credit inquiry when Klarna said it was a soft pull. I called XXXX and cancelled my order and asked to close out the Klarna account. XXXX said I will need to contact Klarna. klarna has not provided any information on the terms, account number of agreement. The mobile only provide info on the order, how to setup auto pay, but no contract or account number to reference.
Product: Money transfer, virtual currency, or money service

To Whom it may concern, I've been a BOA member for many years and I'm a preferred Gold member. we recently had a fraudulent event with Boa and were not at all happy. On XX/XX/XXXX my wife XXXX received numerous alerts from BOA via email and text messages saying that our debit card had suspicious activity. My wife called the number which connected to BOA, music and all. a rep got on and had full access to our account. They then quoted us on various charges that we did make confirming it was Boa. They then sent us a code to her phone, which she sent back. The rep said that the fraud was in the XXXX account for XXXX and XXXX others for XXXX dollars. They said that in order to get the funds back, she needs to set up XXXX and send money back To herself. At this time we were out for XXXX dollars. we spent numerous hrs on the boa fraud phone which takes hrs to finally answer. We were told that the matter is under investigation claim XXXX. we were told that after 10 days we would be credited while the investigation was on. Yesterday Y after day 14 I called only to find out my claim was denied!!! What a great way to treat a good member!!! 2 weeks ago we filed a police report number XXXX with the XXXX XXXX NJ police dept originally XXXX am appalled that a large organization would not help me!!! Since I've contacted a Detective and now I'm filing with the state attorney for banking. Th is nonsense and the Federal government will cover me. Once I prevail I will be closing my accountant!!!! I did some research and channel XXXX did a full report on this!! Now I'm really angry because you did nothing to inform your clients which is incompetent on your part. We should have been warned. I will be joining the class action suit that's now going on against you! cal believe it's come to this and like I said it's wrong!!! 
I can send you the following article to educate you on this matter. I'm going to wait for your response before I move to the next step Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject Dispute of inaccurate information on Credit Report I have recently viewed my credit report and found several items on there that are inconsistent. So I am writing to dispute the following inaccurate information. The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they have placed a collection on my consumer report.

I have not been given a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) The Collection Agency is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 
The collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681-S2 ( 7 ) ( A ) The names of the accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged over 150 dollars on transfer fees on my own accounts
Product: Mortgage

Summary : US Bank mortgage paid funds out of my escrow to an insurance company I am not insured with. This overdrew my escrow. US Bank is not giving me my funds back and says I need to pursue the insurance company myself. The insurance company ( XXXX ) has not respond to my request for refund either. 

Detail : In XXXX I started shopping/getting quotes to possibly change both my auto and homeowners insurance. I received a quote from XXXX insurance, but after they sent me the policy documents for my signature, I saw that the policy showed the wrong effective date, and had some other false information that needed to be corrected. So I emailed XXXX with a list of changes needed and asked for new quotes. Later that night I logged into my mortgage servicer 's website ( US Bank ) and noticed that they paid a payment out of my escrow, equal to the amount of the quote I received from Farmers a few days earlier. This payment had overdrawn my escrow by almost {$1500.00}. 

I spoke with Farmers on XX/XX/XXXX, and told them that those funds needed to be returned to my mortgage account at US Bank, since I had not yet finalized the policy change. ( I had not received the new quote, I had not signed anything at all with XXXX, and even if I were to go through with the change, the effective date was to be more than nine weeks in the future, so they had no standing to bill my mortgage. ) I was told they would contact me the next day, but they did not. 

So on XX/XX/XXXX I called my mortgage servicer to request that they obtain a refund from XXXX. I was transferred around to multiple different departments, who all told me that because XXXX had my account number ( which I had provided to them in anticipation of finalizing the new insurance - before I received the error-filled policy documents ), that they had no further responsibility to verify the validity of the payment request before sending Farmer the payment from my escrow account. Apparently it is not their policy to verify that billings they receive from insurance companys are valid. As long as the insurance company has an account number, then they do not ensure that a policy has been agreed upon/signed. In a day and age where rampant hacking leads to constant fraud, they take no steps to protect their customer or do any due diligence before sending out a customer 's funds. The last person I spoke with at US Bank hung up on me. 

So I want to formally complain about US Bank. US Bank did not due their due diligence in protecting my funds. They did not ensure that the invoice from XXXX was legitimate, before paying it. And they will not return my funds to me. At this point I've made two additional attempts to contact Farmers, but they have not responded either, however I believe that US Bank 's failure to properly vet on a payment request from an insurer not previously associated with my account resulted in this loss and it should be US Bank that corrects it.
Product: Debt collection

CELTIC/CONT- XX/XX/year>. No balance due. presumed information was exposed in data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, CREDCO add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiriy on my credit report per XXXX.
Product: Debt collection

Response to CFPB complaint presented False and misleading statements made by Bridgecrest representative without confirming initiation of a transaction no made by me. Bridgecrest actions is in violation of defamation making a claim without evidence of statements made on XX/XX/2023.
Product: Debt collection

I was originally contacted by Transworld Systems Inc. a debt collection agency in XXXX of 2023 informing me that XXXX XXXX submitted a bill for {$460.00} to their agency that I owed. 
In XXXX of 2023 I will still in a dispute process with my credit card company which Is XXXX and their bank is XXXX XXXX for the amount of {$460.00}. I informed Transworld Systems in XXXX of 2023 by certified letter that I was still in the dispute process with my credit card company and if I lose my dispute I will pay the {$460.00} to my credit card company. 

XXXX XXXX should have never sent their charge of {$460.00} to this collection agency before the dispute process was settled with my credit card company. As a result of XXXX XXXX sending the amount of {$460.00} to this collection agency XXXX XXXX is attempting to collect twice on the amount of {$460.00}. 

A XXXX XXXX representative told me that XXXX XXXX was already paid the amount of {$460.00} in XXXX of 2023. If I win my dispute which I definitely should because I provided irrefutable evidence from a third party contractor as XXXX XXXX requested. This XXXX year veteran third party contractor verified that the temperature of my refrigerator remained at 55F and the cooling issue of my refrigerator was not fixed after XXXXXXXX XXXX technician installed a refrigerator compressor in XXXX of 2023. 

The representative told me that if I prevail in this dispute then XXXX XXXX will charge back the amount of {$460.00} from the bank XXXX XXXX. 

The Transworld Collection Agency is attempting to collect the amount of {$460.00} a second time because as I stated I will pay XXXX XXXX the amount of {$460.00} that XXXX XXXX charged for not repairing my refrigerator. I also sent XXXX XXXX a copy of the bill of the new refrigerator I had to buy as a result even though my XXXX refrigerator was only 5 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint serves as a follow-up to my previous CFPB Complaint, requesting that the Credit Reporting Agencies investigate and remove the account that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to the Credit reporting Agencies to have this erroneous and damaging account removed from my Credit File. In that letter, I attached a copy of my personal identifying document to prove that it was I who submitted the request. I requested the Credit Bureau to thoroughly investigate the following account and have it removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX This account is clearly erroneous and misleading and must be removed from my Credit file, the sooner the better. I have attached the letter I sent on XX/XX/2023, for I fear that the letter I sent would not be received by the Credit Bureau. This complaint serves as my assurance for the Credit Bureau to receive the letter.
Product: Debt collection

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with XXXX, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. 

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Product: Debt collection

Someone opened a merchant service account in my name under my social security number in XXXX  without my knowledge. The merchant service company is trying to collect the fee from me and sent the bill to a collection agency. It took them 8 years to let me know it was open as a result of identity theft
Product: Debt collection

A collection company RECEIVABLES PERFORMANCE has all of my pertinent information in regards to my identity reportiing a collection debt on my credit report with all three of the credit bureaus for {$720.00}. I sent my police report over to the company showing that I was a victim of identity theft to have this collection debt removed from my credit reports asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion ran a background check using only my name and birthdate and pulled a lengthy criminal background on another person with the same name and birthdate but lives in a completely different state. TransUnion did not use any other identifiers to confirm they had the right person. I live and have always lived in Michigan, the other person with the record lives in Kansas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE HOSPITAL AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE FTC WEBSITE.
Product: Mortgage

I mailed a Payment to my mortgage company ( Rushmore Loan Management Services LLc ) on XX/XX/2019 and the check was received on on XX/XX/2019, they added a 30 day late payment on my XXXX and XXXX report, my XXXX   report is not showing late for the month of XX/XX/2019. 
I talked to the managers several times the refuse to correct it.
Product: Payday loan, title loan, or personal loan

I took out a {$1000.00} pay day loan which was received on time, However after I reviewed the documents for the repayment of the loan, I saw they were charging me 790 % interest. the total pay back amount is {$4100.00}! I should have looked better, that is my fault, but I thought there were laws that pay day loan companies only could charge you so much interest. I would not have agreed to this if I would have known.
Product: Debt collection

This company called " The XXXX XXXX '' sent me a letter about 1 week and a half ago. 
They said I had a debt that totaled over {$1700.00}. The original creditor was XXXX XXXX XXXX, which I did belong to in XX/XX/XXXX/XX/XX/XXXX. I seem to remember cancelling my XXXX 's membership in XX/XX/XXXX, because I wasn't using it anymore. I thought that was the end of it, until this " XXXX '' sent me the above mentioned letter. 
" XXXX '' went on to say in this letter that they would except a one time payment of {$340.00} or 12 monthly payments of {$38.00}. They went on to say that if I didn't arrange and agree to a payment, then they would file a XXXX form against me with the I.R.S. I'm willing to settle the debt from XXXX 's but I think this " XXXX XXXX '' might be bogus and therefore a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not updating my XXXX card. Equifax is not updating my credit profile. Why is XXXX stating current and good standing and XXXX balaalsnce but equifax is not. XXXX they all have the same accounts. All.the credit bureaus should be on the same page.