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

A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting XXXX % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure XXXX % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not XXXX % correct and I demand them to be investigated completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL BELOW ADDRESSES WERE TOLD TO BE REMOVED AND ARE NOT MINE AND NEVER HAVE BEEN. XXXX  has been INTENTIONALLY DENYING THE REMOVAL OF THESE ADDRESSES phone numbers and names. 

NAMES TO REMOVE : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE to REMOVE Phone Numbers : XXXX ; XXXX
Product: Debt collection

Some time ago LVNV Funding placed a collection account on my credit reports for {$2600.00}. 

I do not have an account with this company and asked for a copy of any assignment or bill of sale or purchase agreement to them with my name on it. After many requests I still have not received this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX entered a consumer credit transaction with Capital One Bank on XX/XX/2019, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have contacted Transunion about the error on thier discover entry on my bureau. I have also contacted discover. This account is full of errors as I have always paid on time and am still today. 

The attached letter indicating my account being erroneously reported has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XX/XX/scrub>/2024 XXXX XXXX XXXX  XX/XX/year>2024 XXXX  XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX Amount : {$4900.00} Preferred Lease made a fraudulent account under my name! 
Action : I received a XXXX police report stating that my identity has been compromised! 
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX  has not removed the fraudulent account from Preferred Lease. All because Preferred Lease made a fraudulent account under my name!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this inquiry I really wish companies would stop this illegal activity
Product: Money transfer, virtual currency, or money service

To whom it may concern, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for month and My lawyer recommended to file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used paypal quite frequently for the past 9 years. ( since 2012 ) My email linked to my PayPal is XXXX XXXX
Product: Checking or savings account

I am writing to express my profound dissatisfaction with the recent handling of a dispute claim related to charges on my Wells Fargo account. This complaint is in reference to a claim I filed approximately XXXX months ago concerning a charge of {$540.00} for car repairs that I later discovered were not performed, and the repair shop had closed down. I contacted Wells Fargo Customer Service to initiate the dispute process, and a claim was established at that time. 
During my initial communication with your representative, I made it explicitly clear that I possessed evidence demonstrating that the charged repairs were never executed. The representative assured me that I could challenge these charges and that I would be contacted if any additional information was required from my end. 
I diligently followed up with Wells Fargo at regular intervals, keen to ensure that the matter was progressing as expected. However, after a month of no communication from your end, I believed that the claim was being processed without complications. To my utter dismay, on XX/XX/2023, I discovered that my account had been overdrawn. Upon further investigation, I learned that the charges associated with the dispute claim had been inexplicably reversed. 
I immediately contacted Wells Fargo to understand the situation and was informed that the claim had been closed. To my astonishment, the representative claimed that a notice regarding the claim 's closure had been sent out. While I had not received this notice, it is essential to highlight that the claim 's closure was attributed to the reasoning that it was " too late to investigate. '' I am deeply aggrieved by this justification as the claim was initiated over XXXX months ago. If it was indeed too late to investigate, such a decision should have been communicated promptly. Furthermore, it is inconceivable that it took XXXX months to assign the claim to an investigator, who should have recognized this limitation and communicated it in a timely manner. 
To underscore my disappointment, I received XXXX letters from Wells Fargo following this episode. The first, dated XX/XX/XXXX, informed me that the bank was researching my inquiry and would contact me upon the completion of their research. The second, dated XX/XX/XXXX, stated that they had concluded their investigation and determined that the charges were made by me or someone with permission. This response is entirely irrelevant to the purpose for which I initiated the claim. 
As a loyal, long-standing customer of Wells Fargo , I am appalled by the lack of transparency, professionalism, and consideration exhibited throughout this ordeal. The closure of the claim without adequate explanation has had severe financial repercussions for me and caused undue hardship.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I am a victim of ID theft. 
Thief purchased three handsets and subscribed to 6 phone lines using my name. 
I promptly contacted XXXX and filed a XXXX XXXX police report about the issue. 
On XX/XX/2021 I sent all documentation in my possession to XXXX at the XXXX XXXX replied : " This has been deemed relationship fraud, which means we will not be able to handle this without a police report naming a suspect. '' Suspect has been arrested by the XXXX Police department. On XX/XX/2021 I forwarded XXXX the police report supplement that names the suspect as requested by the XXXX representative. 
However XXXX placed the account for collection and I received a letter from a collection agency.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I was approved and received a loan from the XXXX XXXX XXXX XXXX XXXX the amount of {$4400.00}. The loan was paid off in full via wage garnishment. I made several attempts in contacting the agency but to avail regarding removing negative reporting to all three credit bureaus. Moreover, as of XXXX XXXX the agency is reporting charged off as bad debt. Profit and loss write-off.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There was Fraudulent charges on my First Premier card XXXX From XX/XX/year> to XX/XX/year> Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

I noticed on my XXXX credit account today a creditor, Barclays XXXX on my account. Barclays Bank-Delaware account was said opened XX/XX/23. XXXX Acct #. I called Barclays Bank-Delaware and they reported they could not help me without an acct number. 
I filed a dispute report with XXXX XX/XX/23. Dispute Report # XXXX. Was referred to XXXX. This site referred to your site, given the nature of my dispute. 

Credit card company told me to call XXXX referred me to XXXX who referred me to you.
Product: Credit card

XXXX Case Number XXXX Wells Fargo Bank XXXX XXXX. 
XXXX XXXX via XXXX XXXX issued through Wells Fargo XXXX # : XXXX Network : XXXX XXXX ID : XXXX ARN : XXXX Retrieval Ref # : XXXX Bank 's customer issued a fraudulent statement about having contacted me to cancel his non-refundable subscription. Customer disputed charges via bank. 
In the dispute bank issued non-working contact details. Email address XXXX is non-functional. Wells Fargo Customer service refused several times to put me through someone dealing with this case. 

Fact is, bank 's customer signed up to a subscription service, customer even admitted ( submitted as evidence to bank ) that he didnt know it was a subscription service, that things were cleared up after he reviewed the terms of services which clearly state several times that this is a non-refundable subscription service. 

Bank 's XXXX system does not allow for correction or resubmittion of newly found evidence that came to light after the submission of evidence. 

Bank of Wells Fargo received several emails to a publically available email address with the expressed instruction to forward the case ( dispute case and details were attached via PDF ) but failed to follow through / follow-up.
Product: Checking or savings account

Shot in the dark but more likely there's more than one person ( me ) behaving in the economy. Actor 1 can not overutilize financial resources causing Actor 2 's scarcity ( specially because Actor 2 is the one paying for Actor 1 's XXXX  behaviors ). Incorrect mathematics : Paycheck = XXXX, Spending = XXXX therefore I have XXXX. I spent imaginary number XXXX low and behold I actually have a massive lien around my entire XXXX. How come? Perhaps because the banks not gon na give you a free house. Fraud -- > Fraud -- > Fraud. 

First instance of fraud were the fraudulent documents used to procure these XXXX mortgage loans. Real problem happened when you opened your XXXX  mouth drawing all sorts of attention about this fact. Here 's how silly you are : Government could have made the bank do exactly what your XXXX XXXX is talking about. Why didn't it. My mouth said : " In this present crisis .... '' You told government to substitute your mortgage for shopping you fool. Instead you should have told government to save your mortgage controlling shopping. XXXX is right. " Representative ''. Plumber, Engineer, Pilot, Accountant.
Product: Credit reporting or other personal consumer reports

I am formally reiterating my request to block and remove accounts from my consumer report that are linked to identity theft. I never authorized these accounts with a written signature. This issue, which I've previously communicated to you about, has caused me significant distress and hindered my financial goals, including home ownership. 

I insist that you take immediate action to block and delete these fraudulent items from my report within four days of receiving this notice. For identity verification, I've included copies of my social security card and driver 's license.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Diversified Consultants says I owe money I dont and has fraudulently reported it to collections.
Product: Prepaid card

XX/XX/year>XXXX XXXX {$9.00}, XXXX {$140.00}, XX/XX/year> XXXX {$190.00}, XXXX XXXX  {$98.00}. These are items I didnt purchase or authorize.
Product: Debt collection

I have requested the company stop calling me at work and I was told it was not illegal for them to do so. I work for the XXXX XXXX and XXXX XXXX and do no appreciate the phone calls while I am at work. My job is a time consuming position with no time to chat on the phone and the person was rude and not very accommodating. 

The name of the company is GC Services hired by XXXX XXXX, their telephone number is XXXX and the representative 's name is XXXX XXXX. 

Please advise me as to what I can do to stop these phone calls at work.
Product: Debt collection

My name is XXXX XXXX XXXX. 

I am filing a bad collections practices complaint against Credit Control , LLC. 

Its address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX ; and its phone number is XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ( a debt-modification law group that I contracted with ) negotiated and settled at a discount a XXXX XXXX XXXX loan with an account number of XXXX balance at time of settlement was {$16000.00}. XXXX settled with Credit Control for {$8400.00}. The settlement document is attached. 

The details of the settlement document show it was a 24-month payment plan. XXXX mailed monthly settlement checks to Credit Control each month for 24 months starting XXXX of XXXX and ending XXXX of XXXX Credit Control cashed 23 of those checks. However, Credit Control claims it did not receive the 24th monthly check ( XXXX of XXXX ). Credit Control then declared the settlement defaulted, it kept the {$8200.00} XXXX paid on my behalf for the settlement, rejected and declined XXXX repeated requests that Credit Control honor the written settlement agreement, and then Credit Control sold the XXXX XXXX XXXX XXXX account to XXXX XXXX XXXX XXXX XXXX XXXX That letter is attached. 

XXXX XXXX XXXX XXXX XXXX maintains I owe the remaining balance of the overall debt : {$8700.00}. 

I allege that Credit Controls actions are illegal bad collections practices and, therefore, in violation of the Fair Debt Collections Practices Act. 

XXXX XXXX XXXX did mail the 24th ( XXXX of XXXX ) to Credit Control on time as it had done during the course of the settlement payment plan. What XXXX did was include that check in a batch of multiple settlement checks for other clients settlements and put them all in one envelope and mailed that envelope with those checks enclosed to Credit Control. Credit Control did receive the mailing. XXXX confirmed that because those other checks were cashed by Credit Control. 

Here is my contact information : Phone : XXXX Email : XXXX XXXX
Product: Payday loan, title loan, or personal loan

I receive 2 or 3 phone calls every day since early XXXX, my references receive calls. I will gladly satisfy this debt however even after 1st telling them the calls haven't stopped as though they are going to intimidate me. If the calls stopped for just 3 or 4  days I would satisfy my obligation but not because they keep calling me as well as my references.
Product: Credit reporting

My original dispute was sent certified mail to Experian on XXXX XXXX, 2016 ( Report Number XXXX ). 
Experian responded within 30 days verifying certain items. Based on that investigation I sent another letter on XXXX/XXXX/2016 requesting the Method of Verification ( MOV ) for the items that was verified. 
Experian on XXXX XXXX, 2016 failed to provide myself, the consumer with documents, addressing the exact procedures they used in the investigation to ascertain the items as verified. My intended purpose of this is to know if Experian contacted the furnisher of debt directly, or used a third party ( if so who? ) and what documents was used to verify items as accurate. According to FCRA Section 611 ( a ) ( 7 ) that governs the request for MOV, Experian had 15 days to respond. They failed to deliver a proper response within allowable time. Experian 's inaction and non-compliance in this matter is inexcusable, and their disregard for the law is contemptible. 
On XXXX XXXX, 2016, I notified Experian of my intent to file a complaint, if they did not delete and remove all the disputed items as pursuant to FCRA 611 ( 15 U.S.C. 1681I ). 
Note : Experian has circumvented and abused the legal system, by responding to every letter I sent, regardless as to the content, as a new claim to reset the clock.
Product: Debt collection

No contract, Disputed with credit bureaus, and lied about have confirmed info was correct.