23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed these item several times however the company refuses to send any concrete evidence that these is my account. I will go one by one. 

XXXX - The name of the creditor is XXXX XXXX XXXX which makes me believe it is used for health related services. As a XXXX veteran I receive all of my medical and dental services from VA. I have requested the information below from the company. 

a. Is this a medical bill? 
b. What services were performed? 
c. Who received such services? 
d. Who signed the original contract? 

XXXX This appears to be a a XXXX XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

XXXX This appears to be a a XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

I suspect I may have been the victim of identity theft but until I receive the requested documents there is no way I can be certain beyond any doubt. All they have to do is provide something, anything with my signature on it which establishes some contractual obligation that is binding on me to pay this debt so I can see who signed it and who signed for the merchandise and/or services. It is a simple request. Instead all I get is copies of old statements and a template letter telling me they verified it. I am also requesting for the company to provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC in the state of Texas in case legal action becomes necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a few accounts that are not mine accounts are not mine Also in XXXX its an error stating in XXXX I was 60 days late XXXX  60 days late then 30 days late in XXXX Then in. XXXX it states I was 30 days late in XXXX then 60 days late in XXXX then XXXX late in XXXX
Product: Debt collection

The company ( companies? ) in question has ( have ) repeatedly called and texted my parents at their home and cell phone numbers for accounts that they are not interested or financial parties of.
Product: Checking or savings account

I used to have an account with Revolut XXXX and they closed it for no reason
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I discovered inquiries that I did not authorize or initiate.
Product: Debt collection

A company by the name of Hunter Warfield continues has a collection entry on my credit report that does not belong to me. My report shows this collection is for an apartment complex, XXXX XXXX, from debt owed in 2018. It is not my debt.
Product: Debt collection

I had XXXX collections, all less than 500 $ on my credit. most are 2-3 years old. I disputed the balance, as they hospital sued me, which also shows up on my credit report. So the collections show up twice once in collections and once in civil. After complaining ALL the collections were removed and made into missed payments and current debt and not collections.
Product: Debt collection

I had an account with XXXX/XXXX  that opened in XX/XX/XXXX. In XX/XX/XXXX, I underwent XXXX  for XXXX XXXX XXXX, and was off work for 2 months, and requested paperwork to utilize the Credit Protection Program called XXXX. I completed the documents and sent the paperwork from my Dr. After that, I never heard anything else, so I assumed it was processed and applied to my account. 

Later that year, after reviewing my credit report, I noticed a charge-off from XXXX and was bought by XXXX XXXX, who in turn was taken over by XXXX XXXX XXXX. In accordance with the FCRA, I had requested Debt Validation on several occasions, but was never sent any documentation in order to validate the debt as requested, but they continued to report it as a collection account on my credit report. Now come to find out, it was sent to Scott & Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and a lawsuit was filed in our local XXXX County Alabama courts. I was served by the court. 

I contacted Scott & Associates local office in XXXX, Alabama, and was told that if either paid the account in full or set up payment arrangements, they would place a hold on the court case until the account was paid off. I was never provided any sort of Debt Validation documents, although I requested them multiple times, as well as I have requested it through the credit bureaus as well, and it comes back as validated, but the creditor and credit bureau and collection agency refuse to provide documentation that I am entitled to by law. 

Time is of the essence since I have until XX/XX/XXXX, to make another payment of {$200.00}. I feel that this debt needs to be invalidated and all court proceedings and any judgments be stopped and cancelled for violation of the FCRA. I am also requesting a refund of the {$200.00} that I paid to Scott & Associates on XX/XX/XXXX. 

According to my rights under the FCRA and Fair Debt Collection Practices, all parties involved are in violation of my rights as a consumer, and I would like immediate resolution. 

Thank you for assisting me with this matter of the utmost urgency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

Notified on XX/XX/XXXX of a declined rental application. With the denial I received a copy of my credit report via Experian, and noticed a number of erroneous inaccuracies on my report creating a detrimental impact on me and my family. 

Contacted Experian, denied assistance with the removal of the unauthorized/unverified inquiries per FCRA. 

Inquiries that are unauthorized/unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

On XX/XX/XXXX I ordered a replacement card paid for overnight services through XXXX. I received card on Friday XXXX XXXX I was out of gas on side of the road for hours because it wouldn't let me activate my card. Using a phone at gas station because I lost my phone and wallet XXXX weeks before which is why I needed a replacement card to begin with. I have called daily since XX/XX/XXXX. I've sat in a day room for hours on hold to be connected to customer service at a local homeless shelter which is XXXX XXXX round-trip and half a tank of gas daily to use phone. I have sat patiently on hold to speak to anyone. The call drops or disconnect every time. I've sent in documents to ID/usdirect express.com with proof of identity for the past 3 days with no response. I have rent,XXXX  mouths to feed and XXXX dogs that are starving. I can't buy a phone because no money to buy one. I'm XXXX and in XXXX  full time and my power requires gas in generator. And I use a XXXX. My XXXX XXXX everyday is XXXX  because of the stress I'm going through. Hopefully I don't have a XXXX or XXXX XXXX. This is above and beyond wrong. I need help desperately to get my card activated. XXXX XXXX XXXX please I'm begging you for this. 
XXXX l XXXX.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, an loan account open with ( XXXX XXXX XXXX XXXX  on XX/XX/XXXX, an other account ( XXXX XXXX XXXX ), and another account ( XXXX XXXX ). These accounts have resulted in collections/charge-offs appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX XXXX XXXX XXXX that all of the
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX do not owe XXXX any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP
Product: Checking or savings account

one day i open my chase app, it was suddenly unlock and I was unable to login in. I called chase and they said they will close my account for no reason, I went to branch and check what happened, they said they do know. but they will give me my remaining balance in next 10 days, but it has been three week I still have not received my check
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am a victim of identity fraud, someone who isn't me has opened up debit accounts under my name. I am unable to establish my own debit account due to others already using my name and SSN to open an account thus now allowing me to claim that account as my own.
Product: Credit card

I WILL SUBMIT A SEPERATED CLAIM FOR THE ON XX/XX/XXXX I WAS HACKED AT WELLS FARGO. I HAVE REASON TO BELIEVE THIS WAS AN INSIDE JOB. ON XXXX XXXX I RECEIVED A PHONE FROM AN INDIVIDUAL CLAIMING TO BE WITH WELLS FARGO SAME PHONE NUMBER AS ON THE BACK OF MY DEBIT CARD ( XXXX ) THE REASON HE WAS CALLING WAS TO LET ME KNOW WELLS FARGO BLOCKED A CHARGE ON MY DEBIT CARD FOR {$2500.00}. THE CRIMINAL WAS CORRECT, AN ATTEMPT WAS MADE AND BLOCKED ON MY DEBIT CARD. HE CONITUED ON TALKING SAYING THERE WAS A CURRENT INVESTIGATION OF FRAUD IN MY AREA IN GEORGIA AND THAT HE WOULD CALL ME ON MONDAY XX/XX/XXXX AT XXXX XXXX. AS SOON AS I PHONE CONVERSATION ENDED, I TURNED OFF MY 2 WELLS FARGO CREDIT CARDS ON THE WELLS FARGO APP. ACCORDING TO WELLS FARGO, THERE ARE ONLY 3 WAYS TO GET A CASH ADVANCE : ( IN PERSON ) REQUEST A CASH ADVANCE IN PERSON INSIDE A WELLS FARGO BRANCH, ( ATM ) WITH A PIN, AND/OR CONVENIENCE CHECK. I DID NOT DO ANY OF THREE. IN FACT, I NEVER REQUESTED A CASH ADVANCE IN MY LIFE. I LOOK FORWARD TO PROVIDING YOU WITH THE DOCUMENTS. 

THANK YOU XXXX XXXX
Product: Student loan

Auto-payment as agreed upon for {$350.00} a month for an extended period of time now, however they have continued to put information in on their site and credit report for {$640.00} a month. This was discovered when my credit was pulled for a home loan that I'm now likely to be denied as it lists a past due amount of {$7200.00} from doing this that continues to rise every month.
Product: Checking or savings account

XXXX XXXX have my money blocked since 2 years, first email to request information was XX/XX/XXXX. They closed my account with my founds and unavailable the platform for me i can not make a transfer. They said will send me a check but i never have received. The last time they said they sent me the check was XXXX XX/XX/XXXX but still waiting, i asked for a tracking number but they dont gived to me. 

XXXX XXXX XXXX is the owner of the account XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

In early 2021, I closed all of my Chase accounts, including checking, saving, investment, credit card and mortgage accounts. I took this action because of consistently poor service. 

In XX/XX/2021, I received a Chase credit card bill for XXXX on an account that had been closed and paid off in full in early XX/XX/2021. I did not authorize this charge, I am not even sure what the charge was for and I had not been a customer of Chase for 6 months. 

I took the bill to the branch manager of my local branch, where I had done business for more than 20 years. I asked him to inquire about how this could happen, that a charge could be made on an account that was closed 6 months previously. I asked him to contact the Chase XXXX office and have the charge reversed. He was unsuccessful in getting further information from the credit card division and equally unsuccessful in getting the charge reversed. 

My house had been flooded in XX/XX/2021 and after this Chase matter came up, I was busy dealing with getting my house repaired and moving back into the house. A couple of months went by, with no action on this credit card bill. I did not pay it, because I hadnt authorized the charge and didn't owe it. In XX/XX/2021, I was notified by the credit bureaus that Chase had reported me for not paying a credit card bill and that they were lowering my credit rating by some XXXX points. 

There was no information on how I could dispute the Chase action nor appeal their action to lower a credit rating I had spent 50 years building. 

This is the result of you government people allowing banks and credit reporting agencies to get too big and not be accountable to anyone but their share holders. 

Where do I go to get this resolved and to get my credit history repaired for something that is not my fault and is the direct result of the size and arrogance of the 6th largest bank in the XXXX.
Product: Debt collection

To XXXX XXXX XXXX XXXX we dont owed any mortgage payment. They bought the loan mortgage from Wells Fargo Bank and Wells Fargo bank said there is outstanding balance of {$5500.00}. 

Wells Fargo Bank claimed that we have outstanding balance on loan mortgage payment in the amount of {$5500.00}. This alleged outstanding balance had no support whatsoever. Please see the documents that I sent via certified letter of which your office signed the return address of certified letter last XX/XX/2020. FYI and record too 4 times said documents were faxed via XXXX  fax machine and the receipt I got it is ok. This means the six supporting documents were delivered to your office and when I called your office the staff I talked to said no documents were received. The question why on four attempted faxed the documents your office staff said no documents were received? So certified a letter with return address of which your office signed the certified letter return address last XX/XX/. Please use said documents because it is very clear on said loan mortgage statement that we dont owed any money from Wells Fargo Bank. 

Please see my previous complaint and reference number are XXXX Wells Fargo and for XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Last calls received XXXX XX/XX/2019 at XXXX and XXXX. 
( XXXX ) XXXX I had asked on two previous occasions to remove my number from their call list. 
My daughter owes the debt, so the business ( Pendleton Capital ) and I do not  have any business connection. 
They have failed to cease and desist with calling my phone number and it is harassment at this point. I have continually blocked their numbers even after requesting to have my number removed from their database. 
The customer service representatives have a tendency to try to bully me when I've requested removing my number from their listing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I received my credit report and I have found unauthorized credit inquiries listed that are not related to any transactions by me. XXXX XXXX XXXX  XX/XX/2022 XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX Friday, XXXX XXXX XXXX XXXX XXXX Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 

Went on my phone and tried to login at XXXX did work went to rest the password and once I entered the password it showed too many tries and try again in an hour.Tried to login at XXXX did not work-too many tries try again in an hour.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore Their dispute resolution process is deemed unfair and deceptive, as they did not comply with error resolution requirements under The Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and negatives on my account. I seek the appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX  XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX, XXXX, XXXX, 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 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: Bank account or service

I called in to Bank of America on XX/XX/XXXX to get my balance and lo and behold it did not accept my telephone numbers, land which is XXXX for over 18 years nor my cell which XXXX for 5 or 6 years. Why because they had let some one change my phone # to a number no where near my ID numbers. Why they could tell me. This scares me, this is second time I had an issue with Bank of America. When I was working on the road between different states, they told me they had not turned my check request in and I needed to order them again, meanwhile, they send out the XXXX order, which was stolen and I had the same checks in California. I had fly XXXX and change everything and go back work. How can Bank do these things without authorization? I am furious. Please advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps posting on my credit report as closed and late payments, I was contacted my Jefferson Capital Systems XXXX XXXX XXXX advising that they was collecting for XXXX XXXX, I then paid the company the amount requested and was told that everything would be taken off my credit report, but everything is still on it, I have provided proof to XXXX and XXXX and both refuse to remove the account from my credit report even after providing proof of account paid for and cleared.