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

I submitted a request for my LexisNexis credit report and on XX/XX/2024 I received the attached letter from LexisNexis dated XX/XX/2024. I followed the instructions provided on this letter and the PIN number provided would not allow me to access my credit file. I was getting an error message each time I used either XXXX XXXX or XXXX browsers. I telephoned LexisNexis and waited on hold for XXXX minutes and no one answered the phone at XXXX EST. on XX/XX/2024. This is a blatant violation of the FCRA and this company should be fined as the law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax many times explaining that this information on the attached FTC report does not belong to me at all. These was done fraudulently, I call, and they say that the special handling has to call me back & I never get a call & this information remains on my credit report. Please delete this information.
Product: Debt collection

Transunion is continuing to report a collection account that they can not verify after being asked several times. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I had Citi double cash master card ending in XXXX which was cancelled during XXXX Then a new card was issued to me ending in XXXX. I made one purchase of {$170.00} - pogo pass. Due to pandemic - it was refunded. I called Citi today - customer service was clueless in terms of where the charge will go. Finally they agreed that refund should have come into the new card but all the transactions for the old card ending in XXXX should be shown in the new card ending in XXXX. But it is not the case.
Product: Credit card or prepaid card

I have been dealing with an ongoing issue with Wells Fargo card for two (2) years. I called customer service again today and spoke with XXXX who advised that I had to contact the merchant to continue the process. I shared that I did not get the service nor amenities that were promised. The resort was extremely dirty and bug infested, my daughter suffered an awful bug bite and had to receive medical treatment. The resort did not have the number of resturants as advertised on their website. Wells Fargo has failed to properly investigate my claims.
Product: Student loan

Called XXXX to put loans in forbearance, as I now have no monthly income. Going to charge me $ XXXX/loan to put into forbearance, and I would still have to make the XXXX payment per our conversation.
Product: Student loan

Have had the same problems they would n't help us and kept adding on the interest. I am XXXX and kept telling them this ' is a fixed income plus they put in default. Not cool
Product: Credit reporting or other personal consumer reports

Hello please see documents for my dispute. ALL THESE PERSONAL INFORMATION ARE ABSOLUTELY NOT ACCURATE. 
A NOTICE THAT THE CONSUMER HAS THE RIGHT TO ADD A STATEMENT TO THE CONSUMER 'S FILE DISPUTING THE ACCURACY OR COMPLETENESS OF THE INFORMATION ; PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE
Product: Credit reporting or other personal consumer reports

Company reporting on my account. 
Company reporting charge off XXXXwrite off Refuse to send proper XXXX for tax filing The proof of inaccuracies FRAUD WARNING AGAINST REPORTING 15 USC 1681 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX of 2022, I had XXXX come out to my home in order to install a new air conditioning unit. 
I opened an account with them to finance the item, and the agreement was that the unit would be purhcased and installed. 
After the installers left my home, I noticed that there was nothing hooked up. No connections, and no hoses were properly installed on the unit. This was in the middle of the summer, and because of this I had to make arrangements for my children to stay somewhere else because the home was too hot to comfortably stay in. 
When I reached out to XXXX to get them to come and finish the job/install the unit correctly, they told me no and they began reporting the debt on my credit report as an active account with Synchrony Bank XXXX SYNCB/XXXX on credit report ). 
I explained to them that my agreement was for the installation, and that it was unethical for them to request payment when they did not do the job they were supposed to do. 
Because they continued to refuse the service they had agreed to, I was forced to hire and pay for a third party contractor to come to my home and finish the installation job.

They are effectively ruining my credit score by reporting late payments/first month default month over month on an account that does not reflect the agreement of services.
Product: Debt collection

Ive been getting relentless and harassing phone calls from this debt collector. I would like them to stop as I have no idea why they are calling me 5 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX my DOB XX/XX/XXXX SS XXXX I seen my new report this weekend and there are definitely something that are not right on my report. My address is XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I need the following addresses remove from my credit report. They are not mines : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX CT, XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Has Violated my rights.

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.
Product: Debt collection

Source Receivables Management sent a debt collection letter for a debt that I've already settled. They told me that I could dispute it, and that it would be put into review. I have not received any further written information from them, even after I told them that the debt was settled in full and I have a settled-in-full-letter. They didn't provide an address to give the letter to, they just sent a negative report to credit agencies. Then they called me and attempted to collect again on the debt. When I first discussed this with them, they blamed XXXX XXXX XXXX for not reporting the debt settled, and XXXX XXXX XXXX blamed Source Receivables Management.
Product: Checking or savings account

On XX/XX/year>, I had to rent a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Al XXXX. My insurance covered 8 days and after that I paid for additional days as needed until we got a new car. I had to pay out of pocket for the additional days. I made payments via phone or in person with the branch manager XXXX. I called XXXX and wanted to confirm my payments. The payments I made with my PNC bank card was XX/XX/year> XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX for XXXX. After making those payments with debt card and turning in the rental car, XXXX charged my bank account for XXXX additionally. 
Which cause me to go in overdraft. I disputed the charge several times was given provisional credit which was overturned, and I lost the appeals. Which caused me financial hardship and I lost my bank account. Also, XXXX refused to give me my deposit back. I lost money from the bank and XXXX. I can provide additional information
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} CONN APPLIANCES INC XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX  XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNIVERSITY XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT VETS ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is not authorized to report in the boundaries of my state of North Carolina and the documentation is attached as well as I have sent National credit systems a letter requesting debt validation back on XX/XX/2023 and they just like the credit agencies have failed to verify the method of verification of all disputes as requested as well as XXXX XXXX XXXX has failed to validate the debt. 

Equifax, XXXX and XXXX are in violation of US USC 1681i ( 6 ) ( b ) ( iii ) and 15 usc 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. I have requested the method of verification several times from these agencies and they only reopen the investigation and send back a verified generic message. the companies have caused credit defamation by reporting thee inaccurate accounts and have failed to perform their due diligence to ensure they are reporting accurate information, had they performed their research they would of known national credit systems is not authorized in the state of NC to collect a debt.
Product: Debt collection

A.R.M. Solutions letter sent re : debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but insufficient information to confirm any debt and newspaper was canceled some time ago with subscriptions always paid on time before/concurrent with any renewals. No other correspondence received until A.R.M. notice of deficiency. 

I should add that subscriptions were canceled because of multiple solicitations at many different price points, appearing to come from different solicitation/sales services.
Product: Debt collection

CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code ? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report.

Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} Unauthorized Inquiries XXXX. XXXX/XXXX  - XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

After having cashed several checks with no problems over the course of a few months. Ingo decided With no just cause, that I was " possibly '' trying to cash fraudulent checks. They had no reason whatsoever to come up with this conclusion as the checks I did successfully cash were all valid checks, were never returned, and I never made any such attempt at commiting any so said fraudulent transaction. When I contacted their customer service as to why they came to this conclusion I was provided with no valid reason other than " just because we can ''. The company advertises a service in which they are either too scared to provide or for some other reason just don't provide.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquiries, and they seem unauthorized and potentially fraudulent. Kindly take swift action to address this matter. Relevant documents are attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX... .EQUIFAX AND XXXX XXXX XXXXALL HAVE DIFF DATES ON THEIR SITES ... OBVIOUS MISTAKES AND THEY WILL NOT HELP OVER THE PHONE AND WHEN YOU DISPUTE AN ITEM ... ITS NOT CORRECTED OR INVESTIGATED AND YOU TRY AND DISPUTE IT AGAIN BECAUSE ITS WRONG... .THEIR COMPUTERS KICK YOU OUT AND DONT LET YOU DISPUTE ERROR THAT HAS NOT BEEN FIXED... .AGAIN AND AGAIN AND AGAIN. ON THE PHONE THEY WONT REMOVE OBVIOUS ERRORS AND THE DISPUTES ARE NOT RESOLVED PROPERLY OR THEY ARE LEFT IN THE HANDS OF THE CREDITORS ... .ALL 3 HAVE HUNG UP ON ME WHEN I QUOTE THE FCRA AND THEIR RESPONSIBILITIES ... .CFPB IS NO HELP AT ALL ... .WHY DO YOU ALLOW THEM TO TOY WITH PEOPLES LIVELIHOOD ... .AND GET AWAY WITH IT ... ..HOW IS IT CFPB IS A BANDAID ... .ON A CUT THAT NEEDS STITCHES ... .CREDIT BUREAUS ARE GETTING AWAY WIRH MURDER AND YOU TELL THE AVERAGE WORKING PERSON TO GO TO COURT ... .WHY AM I GOING TO COURT TO PROVE THEY ARE WRONG ... .I HAVE 5 CASES ON MY REPORT WHERE IVE MADE NO PAYMENT ... .CREDITOR CANT PROVE IT ... .BUT THEY KEEP IT THERE AS IS ... A BLATANT LIE ... AND THERE IS NO REAL RECOURSE OR PENALTY TO OR FOR THEM SO THEY KEEP DOING THE SAME THING THEN A COMPUTER GIVES U A CODE AND REJECTS DISPUTES THAT HAVE NOT BEEN RESOLVED MOBTHS N MONTHS GO BY AND NOTHING... .WHAT GOOD IS THIS SYSTEM THAT ONLY BENEFITS THE COMPANY GETTING PAID TO HELP CROOKED BUSINESSES WHO DONT CARE ABOUT PUBLISHING WRONG INFO AND DOING SO KNOWINGLY ... .I HAVE 3 ACCTS THAT HAD CLOAED DATES ... REPORTED BY CREDITOR THEN WHEN I DISPUTE IT ... .CREDITOR SUBMITS " NEW VALIDATED CLOSED DATES '' HMMMM
Product: Debt collection

OK so out of nowhere, I started receiving letters about debts that were owed. 
On XX/XX/XXXX, I received two separate letters from Transworld Systems with an attempt to collect a debt for $ XXXX. ** and then the other for $ XXXX. ** with outrageous late fees that were included with both amounts stated above. 

The first letter stated as of XXXX XXXX I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** The second letter stated as of XX/XX/XXXX, I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** I contacted them because I thought it was from a doctor who got shut down by the Feds for fraudulent insurance billing, but then I figured out it had nothing to do with this doctor or the practice that was shut down. The only thing they told me about the dept was that it was for services on XXXX which would be impossible for reasons I can prove. Also, I have never heard of this company, nor have I ever been sent a regular bill from them either. So I have no idea where these depts are from, nor do they belong to me. 

When speaking to the person on the phone, they were sarcastic and kept muting me, so it seemed no one was there or listening to what I had to say. They were unprofessional, making me think this was a scam or someone phishing for information. I pay my bills and pay them on time. So suddenly, getting two debt collector letters stating I owe some company I had never heard of over $ XXXX dollars seems like a scam. Then let 's talk about outrageous late fees on both statements ; I had never received any type of bill before this for this company, so why is this debit collector telling me I have a late fee of $ XXXX. ** with NO explanation of why there is late fee 's and where this debt is from other than a company I have never heard from. These letters ruined my day and caused me great stress and XXXX, and then when I called, they gave me no evidence or info other than services on XXXX XXXX. 

I did XXXX this company and they have been sued many times for I feel my privacy and personal information were violated.