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

Subject : Formal Dispute of Charge-Off Account Reporting Associated with Account I am writing to formally dispute the reporting of the charge-off account associated with U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 2. In addition to the accounting records, I require authenticated evidence, in compliance this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus. Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws. 3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XX/XX/year> Affirm Inc XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Number XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically15 Additionally, under GA law, I am requesting proper validation of this debt.

Authenticated Evidence Based on GA Law with GA debt collection laws, that you have the legal right to report and collect Dear Affirm Inc In the absence of the requested documentation and verifiable evidence, I request that you with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud. The SAR ( XXXX  Form XXXX  ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. 
Please respond within 30 days of receipt of this letter. I look forward to receiving the required documentation or confirmation that the account has been deleted. 
Sincerely, immediately delete this account from my credit report in compliance with the FCRA and GA state law. Failure to do so will result in further action, including filing formal complaints XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX XXXX was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late I have been trying to get this resolved since LAST YEAR and none of these credit bureaus will respond and I mean NONE of them ... this is getting out of hand. 

I need these accounts validated or deleted immediately XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LOUISIANA XXXX
Product: Money transfer, virtual currency, or money service

I sent a Zelle for XXXX dollars to the wrong email I sent to XXXX Not my email which is XXXX When I contacted the bank they said it was sent and nothing could be done about it. 

This was before all the warnings about Zelle. Now they have prompts about making sure the number, email is correct
Product: Money transfer, virtual currency, or money service

Paypal froze my account out of the blue one day while I was traveling in XXXX. Id used it for booking rooms and XXXX  for approx. 2 weeks up to that point, and then suddenly XXXX, one morning I wake up in a foreign country with no ability to use my only payment option at the time. I used it the night before to book an XXXX, and then it was gone. They never told me why, although they told me they would tell me why. Ive sent emails, called, messaged them, all to no avail. I finally was able to speak to a human over the phone and he told me that I would recieve an email from them about rectifying my issue, but it would take approx. 5 weeks. Still nothing. I was under the impression that after 180 days had passed I would recieve instruction on how to get my money out of paypal, but nothing. I had cryptocurrency purchased and wanted to sell while it was up, but could not because of this issue. Now it has become a loss, and still I can not access my money. This is going on two years now. I feel they do this because memory becomes less clear after a time. How much money has paypal made by simply ignoring their customers for years? What a sham.
Product: Credit card or prepaid card

I tried to close my account online with Paypal. The account would not close. I called the number on the website three times. Each time they told me I would not be able to close the account. I tried to remove my bank account info from the website and was unable to do so. After calling customer service again they said they could not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on the XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 15, 16 and 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will upload a letter from XXXX that verifies that the bankrupcy should be deleted as they are a third-party and the courts don't provide any information and XXXX has verified the information is not valid.
Product: Credit reporting or other personal consumer reports

I have recently moved to new address. Its been more than 3 months. Still my credit report showing wrong address. 

Kindly request you to update below address in all 3 major credit bureau. 

New Address : XXXX XXXX XXXX XXXX NJ XXXX I am also attaching supporting documents as Proof of Residency.
Product: Debt collection

I have recently discovered a collection for [ XXXX ] from [ Portfolio Recovery Associates ] on my credit report. I believe this debt is inaccurate because I have never done business with this company, This account is not mine, This debt is from someone else with a similar name .I have already contacted the debt collector, and informed them of the error. However, they have not taken any steps to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Checking or savings account

I am a XXXX American and my stimulus and 3 months worth of XXXX was stolen when my chime card was stolen and they refuse to do anything. saying that I didn't give enough proof that It was fraud. 
enough evidence was given with dates from extremely reputable sources. Legally I am to be shown as " in good faith '' since I in good faith used chime to hold my money. 

fraudulent transactions stealing someone's XXXX money it's not very much, but this company is a joke as far as disputing anything they always deny. And we as consumers suffer.
Product: Credit card or prepaid card

My name is XXXX, my unemployment sponsor issued me benefits on my card through Bank of America prepaid and all my benefits were stolen from me. Ive open a claim and its been denied, Ive sent over my id and police report to the bank and they did a reconsideration to open the claim again. Its been weeks with no updates or no money back in my account. This is ridiculous, its the holidays
Product: Credit card

In XXXX i called my TJX account to make a payment. I do every month. I found a charge of {$XXXX which was not mine. I called TJX immediately because i've had my accounts hacked since my wallet was stolen in XXXX. 
I told the representative to close the TJX account because of this threat. 
In XXXX i received the fraud documents to fill out and return. I did this. I mailed it express. 
I continued my payments but in XXXX i did not get a bill because i was told i did not get one because the account is under investigation. 
In XXXX, XXXX i called and paid {$XXXX} to the account which brought it to {$XXXX}. 
In XXXX, XXXX i called and the account was over {$XXXX}. So i spoke to a representative and inquired why it was so much higher. I was told the fraudulent charge was added back to the account. I was told because they did not receive the documents i sent. So i was told a new set would be sent to me and no payment was due since they.opened the investigation again. 

I called today XX/XX/XXXX and found the account to be way over {$XXXX} and delinquent. XXXX the account manager stated the fraud charge is still on the account and i am responsible for the added interest and fees and now a delinquent account. I told her i did not even receive a new bill nor the fraud documents i needed to resubmit. 
The account has added interests and fees because of the fraud charge being put back on. 
My last correct balance was {$XXXX}. 
I can not pay on an account that has fraud charges and under investigation. 
If i need to resubmit the papers where are they? I confirmed my address. 

Please ask them to delete the fraud charge. It was not me and i reported it immediately in XXXX and closed the account. I pay on time and now this is affecting my credit score and i don't owe that much more. 
I did not charge {$XXXX} at XXXX XX/XX/XXXX. 
Please fix the fees so i can pay on the correct balance. Moreover i sent the documents and was told the account would freeze until investigation completed.
Product: Credit reporting

I moved out of XXXX and had to return my XXXX equipment. XXXX does not have XXXX and I needed to ship the equipment back. After XXXX calls in which I was promised return boxes for the equipment, I was contacted by a credit collector asking for ~ {$700.00}. I finally drove to XXXX and returned the equipment and have the return receipt. I was never told that the credit collector was going to file a derogatory statement against my credit. When I was turned down for Student Loan refinancing, the refinance company made me aware of the {$200.00} claim against my credit. This is a false and erroneous claim and there should be penalties for predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that does not belong to me and i want it to be removed from my credit report. 


1. Identity Theft KHEAA Account Number : XXXX This is not mine.
Product: Mortgage

I  fell behind on my mortgage due to medical reasons.I sent Diitech monthly payments and they sent them back to me. I requested a modification and Ditech to refuse to letting me apply for a modification. I have a schedu le sale date on   XXXX , 2017  that need to be cancelled
Product: Bank account or service

I went to a hotel in my city of XXXX where I believe the front door clerk stole my card information. when I realized the balance I immediately called chase for a resolution and was denied any help. I could n't believe how betrayed I felt by a company entrusted my funds with. Its like everybody 's nice until you need help. I just want my money back and my acct secured correctly.
Product: Checking or savings account

Since XX/XX/XXXX, unauthorized transactions have been appearing on my checking account. These charges, totaling approximately {$2600.00}, were made at a store called XXXX and another called XXXX XXXX XXXX I have no idea how my card was compromised, but I didnt discover this issue until XX/XX/XXXX, as Chase Bank treated these transactions as normal purchases. I only received an email on XX/XX/XXXX indicating possible fraud on my account. Upon receiving this information, I immediately canceled my debit card and requested a new one from Chase, while also changing my username and password. 

Today, I found out that Chase had reversed the credit they initially applied to my account because, as of XX/XX/XXXX, their investigation concluded that all these transactions were authorized by me. However, I was completely unaware of these purchases at that time, and some of these transactions took place in XXXX  while others occurred in XXXX I have been in XXXX XXXX during these past few months. 

I don't understand why I am unable to recover the money that was stolen from me, nor do I understand why Chase has determined that these fraudulent charges were authorized by me. I submitted a receipt from a gas station near XXXX XXXXXXXX XXXX XXXX, on XX/XX/XXXX to prove that I was in XXXX XXXX during this period. However, my claim case with Chase remains closed, and I still can not recover the stolen funds, and I the XXXX XXXXn XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX everyweek, I can't just take a flight to XXXX  and XXXX  in two days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous written requests, the ITEMS listed below continue to appear on my credit report, in violation of the Fair Credit Reporting Act. The bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame allowed by law, they failed to investigate the problem effectively by employing a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my efforts to handle it directly with three CREDIT BUREAUS, they are willfully negligent and in violation of federal statutes, and I need this matter fixed as soon as possible. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and Equifax ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the record information. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report.
Product: Credit reporting or other personal consumer reports

I am requesting a Metro 2 Compliance review on these unknown accounts on my credit report that lack information that makes the account unverifiable.

I feel it is best to release your reporting of this disputed information at once I will have no choice but to commence the unpleasantness of Section 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. PLEASE DELETE/REMOVE THE FOLLOWING ACCOUNTS : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be a national credit card cos.under business type listed near the inquiry. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a credit card. I informed the company that I have not submitted any form of application for financing or a credit card and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Product: Mortgage

We have had our mortgage sold twice in the last year and don't know why, because we have always made our payments on time. We had always paid our property taxes and insurance on our own. The previous lender added a monthly property tax escrow amount to our payment which we were able to manage. Then it was sold to the current lender and the escrow amount stayed the same until about four months ago when they increased it by almost double. I have communicated via phone, emails, messages on the website and have not gotten anywhere with them. They say the massive increase is to protect them from an increase in property tax. I could see a few extra dollars per month, but not double. The original amount of escrow gives them enough money to pay the taxes every six months with a little left over. We have continued to send them the original payment plus the original escrow amount and they refuse to post it as paid. Regardless of the escrow discrepancy, we are making our loan payment each month and they don't post it because the escrow is too low based on what they now want.
Product: Money transfer, virtual currency, or money service

Equitable Acceptance called on XX/XX/XXXXXXXX to provide assistance in reconciliation for my XXXX XXXX  charging me a fee ; however, I 've been paying XXXX dollars on the XXXX of every month since the starting date XXXXXXXX. The document indicated it can be done for free but did n't provide information as to who the lender who be or new finance company. After speaking with XXXX they said the services are free and Equitable Acceptance is charging me a total of XXXX for the service.Also, I 've been in school the entire time ; therefore, my loans are in deferment but yet Equitable Acceptance continue to withdraw money from my account. Equitable Acceptance requested my XXXX card information over the phone failed to provide proper paper work.
The signature in the copy documents is not my signature.
Product: Credit card

A complaint was filed with Wells Fargo regarding my daughter being associated with a credit card. Wells Fargo sent a letter to my daughter informing her of the deletion of the account and it being removed from her Credit File. I just recently discovered that during this process Wells Fargo changed the account number and then associated my name with my daughter 's Social Security Number. Also the letter referenced above and attached states remove the account ending in XXXX but my daughter and the credit bureau did not receive a letter to remove the newly created account number. The account that belongs to me was removed from my credit file and remained on my daughter 's credit file. This is causing a major problem because she was in the process of applying for a mortgage. So I am dealing with Wells Fargo associating my name with my daughter 's Social Security Number and I am getting pushed around from department to department, customer service reps in call centers that just read notes. Switching Social Security numbers is a serious issue that is now affecting us both. I am asking for Wells Fargo to first correct the social security number problem that was created by them ; get the account back in my social security number and have the credit bureau remove my daughter 's name from everything associated with this account which is what Wells Fargo said they would do.