23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in 2017 an account was open up in my name with Santander ... and the account was used for my ex to get an auto loan but it was charge off in my name .. I barely make XXXX  yearly because I get ssi for my son this debt cost way more than I make and I never had the vehicle in my possession ... please help me by doing a one time deletion on this debt ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I found out that my personal information may have been stolen during the recent security breach at Equifax.
Product: Checking or savings account

This is in regards to an unauthorized online wire transfer from our savings account with Well Fargo Bank See below what has been happening : On XX/XX/2022 my husband with whom I share a joint saving account went to get money from his checking account and then realized that money was missing from the joint saving account. He then called me and I told him I did not take any money and that I would check the account as soon as I got home. I went home immediately on the morning of XX/XX/2022 and logged into my online banking account. I then noticed that {$24000.00} was wired to an unknown person along with a {$30.00} wire fee. I called the bank and spoke to a representative who had me changed my username and password and then transferred me to the fraud department. They took my statement on the phone and told me that an XXXX would contact me with 2 days. XXXX Saturday XX/XX/2022 my husband went into the bank and spoke to XXXX XXXX who assisted him in changing out his account numbers. On Monday XX/XX/2022 an XXXX called me around XXXX pm from Wells Fargo and I added my husband to the call. She asked us some questions and told us we would hear back from them in 10 days. On XX/XX/2022 Wells Fargo send us a letter dated XX/XX/2022 I went into the bank on XX/XX/2022 and no one was available to speak with me about the letter and they told me to call back the number on the letter. I called back the number on the letter XXXX and on Wednesday an XXXX called and told me that the activities happened with our username and password, I told her we never authorize that money to be wired, she told me that I would not be getting any money back and the claims is closed and can not be reopened. I asked her if this is the way they treat a customer that has been with the bank for over 19 years. She said it was our fault and she would not have any other conversation with me. I dont know what else to do to get back our money. If there is any suggestions you can make that would be greatly appreciated. Thanks so much.
Product: Debt collection

Portfolio Recovery Assoc. XXXX XXXX - Operations Manager. Telephone Call. 
Repeated calls, rude and abusive language and behavior. Call was at a very inconvenient time will I was giving my XXXX year old mother-in law daily medication and making diner for my grandson. The call was made at XXXX on XX/XX/19.
Product: Credit card

I began receiving emails from Chime saying my account was established and my debit card was on the way. All of the information was under my name and the card was sent to my address and there was no fraudulent behavior. The issue is I never signed up for the card and nothing seemed to be fraudulent. When I called chime they immediately closed the account. XXXX suspicious that chime opened the account without my permission and had access to my information through a XXXX  party.
Product: Credit reporting or other personal consumer reports

I completely paid off an account and it's not popping up on my other credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Status -Date of last payment -Entire payment history The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX If the accounts can not be properly verified or validated , they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

Im disputing XXXX XXXX from XXXX of {$550.00}. This is a fraudulent acct.
Product: Debt collection

XXXX XXXXXXXX XXXX is reporting a debt of {$140.00} on my credit that was paid and they told me that it 's not on my credit and it still is and Equifax is not responding to my request to delete. This account is from XXXX and paid in full. XXXX XXXX for {$530.00} I sent a dispute letter to XXXX XXXX and they responded that they do not have an account in my name. I do n't know why Equifax is not removing this debt as it does not belongs to me. Today there was a new account placed on my Equifax report from XXXX XXXX XXXX, this is not my debt and I demand to have this account removed from my records. From what I saw on the report this debt is from XXXX why are people allowed to put things on the wrong person credit profile and then we have to fight to get it off. This is wrong to place negative remarks on the wrong person credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX my father is XXXX XXXX XXXX. XXXX, XXXX and Transunion have continued to combine my credit file with my fathers and continue to allow creditors to continue making derogatory reports DESPITE being noticed under Section 609 of The Fair Credit Reporting Act. Please see additional notice under Section 609 FCRA, which requires creditors to provide specific information such as written authorization to obtain credit information about me, contracts or agreements related to the alleged debt. Although previously noticed under Section 609 FCRA, XXXX, XXXX and Transunion have not required the creditors named in the attached letter to adhere to the specific requirements under Section 609 FCRA and have allowed the derogatory items to remain in my credit file despite being in continued violation of Section 609 FCRA. The creditors can not provide this information because I did not open accounts with any of these creditors. Failure to provide the specific information under Section 609 FCRA REQUIRES XXXX, XXXX and Transunion to de, set the specific items listed in my dispute under 609 FCRA. As of the submission of this complaint the items specified in the attached letter remain on my credit file. These items must be removed immediately for the violations under Section 609 FCRA
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are aably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outtted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc Attorneys General Oce. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Debt collection

I have had a medical debt that is not mine reporting on my XXXX  credit report from LJ Ross in XXXX Michigan. Its been 6 years now.. I disputed this on my credit over and over. I haven't used the XXXX XXXX for almost 12 years. I do not owe the amount they are listing on my credit report and it is Destroying my credit score. THey have not responded to any attempts I've made to contact them through the years. This is so old that there is no way I would even have any documentation of my last bills paid with XXXX XXXX almost 12 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$530.00} There is no valid claim, no contracts exist ... account was settled with original creditor and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Vehicle loan or lease

Capital One auto finance gave me a late payment for XXXX and XXXX when I already made a payment for XXXX I had a payment arrangement. Then they reported late payment for XXXX and its currently XX/XX/XXXX so how is it possible for me to be late in XXXX. I also sent proof and documentation of errors see attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer reports on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have not initiated any transaction with XXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX 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

XXXX XXXX XXXX The dates are incorrect along with Balance XXXX They have not provided the original contract of debt. Along with dates are inaccurate. 


In accordance with the Fair Credit Reporting act XXXX XXXX  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: Credit reporting or other personal consumer reports

My personally identifiable information is incorrect on my credit report across all credit reporting agencies. I am requesting the removal of any inaccurate information from my credit report. I anticipate that all details on my credit report will be reported accurately. I have attached a copy of my driver 's license to verify my name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX  acc # 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 an account without my written instructions
Product: Vehicle loan or lease

My truck was repossessed by XXXX XXXX XXXX due to my failure to make payments adequately. My dad paid the truck off in full within the time that the bank said that we could pay it off which they told us by phone was on or before XX/XX/XXXX. They gave instructions for sending a cashier 's check by XXXX XXXX and a check was sent and delivered on XX/XX/XXXX which was confirmed by the XXXX XXXX routing number and also via phone with bank employees. The first problem was they LOST the first check, so cancellation had to be made on that check which the bank said needed to be done by XX/XX/XXXX, and another cashier 's check was sent by that date. Even though we were supposed to have until XX/XX/XXXX to pay off the truck, they had already sent it to XXXX and it arrived on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). My dad XXXX XXXX and I had to drive to XXXX to pick up the truck, and we did on XX/XX/XXXX. We have been advised by phone numerous times we would receive the title and release of lien but still have not received it. We employed an attorney who was given written permission to talk to the bank on my behalf, but he has had trouble getting them to respond to his inquiries. Other expenses were incurred in getting the truck from XXXX XXXX in XXXX including travel expenses of {$540.00}, {$580.00} fees paid to XXXX XXXX in XXXX and {$36.00} XXXX XXXX fees to send a second check. Since we do not have the title we can not put a license on the truck nor sell it. We are very upset by the unprofessional operation of this bank and their lack of integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Financed a vehicle from XXXX of XXXX ( XXXX XXXX XXXX ) back in 2015. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over ) when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at Auction. Vehicle was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. Reporting on my credit for what I originally owed. Every month or so the balance would go down to 0 and then back up again to almost {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and Equfax Data Breaches. I was given an settlement claim number along free credit reports for 7 years but have unable to due to Equifax system being lo locked up. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. In accordance with FRCA evryything must be accurate. My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). How can these been accurate if my SSN is not even on my report, along with 10 different names, 9 diffrent employers and 4 diffrent dates of open, XXXX  XXXX XXXX $ XXXX am requesting these accounts to be deleted for they are not mine! 
15 U.S.C 1681 ( a ) Everything must be correct and accurate. Equifax have violated my rights by not verifying and instead of deleting, they fraudulantly said it ; XXXX verified when XXXX and XXXX have deleted the acccount due to having the wrong social security and date of birth on fraudualnt account! 
Remove this account or I will be forced to sue for unfair and inaccurate reporting on credit report.
Product: Credit card or prepaid card

I am a victim of identity theft and have never applied for a XXXX XXXX XXXX XXXX XXXX credit card account, but Chase Bank is trying to hold me liable for account ending in XXXX which is a fraudulent account that I never applied for and the account dont belong to me. Chase Bank is discriminating against me by trying to hold me liable for a fraudulent credit card account, refusing to let me apply for a Chase credit card account and discriminating against me by deliberately denying my application for credit due to the fraudulent credit card account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX and XXXX XXXX. people gas light and XXXX .XXXX/XXXX/XXXX  {$220.00} identity theft.
Product: Debt collection

I requested the lien release for two accounts that appear on my home title that was fraud. I have been sending police reports and fraud documents for 5 months. Just keep getting the run around between all the debt collection agencies. No one can seem to find the many many emails sent with the police report. 



this has held up my home closing for XXXX months. I offered to pay the debt still no response.
Product: Vehicle loan or lease

I have an automatic recurring payment set up with the company. Since the beginning of 2018 when they changed their system the additional money I pay each month does not go toward paying down the balance on the loan. Instead they apply it towards the next months payment. Each month I call to have them apply the excess payment to the balance of the loan and not towards the next months payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly late payments on the XXXX/XXXX XXXX   partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX/XXXX partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late. ( Please see page 3 of the attached credit report. )
Product: Student loan

MY STUDENT LOAN IS BEING REPORTED AS 120 DAYS LATE IN 2014. I WAS IN SCHOOL DURING THAT TIME AND GRANTED AN INSCHOOL DEFERRMENT. NAVIENT HAS SENT THIS INFORMATION TO ME STATING THEY REMOVED THE NEGATIVE REPORTING. HOWEVER THIS NEGATIVE REPORTING IS STILL ON MY CREDIT REPORT WITH ALL XXXX BUREAS. I HAVE ASKED NAVIENT TO REMOVE THIS SEVERAL TIMES BUT MY REQUESTS ARE FALLING ON DEAF EARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed this is not my account.
Product: Credit reporting or other personal consumer reports

Good day I recently reviewed my credit report. I found numerous inquiries from creditors who i did not give permission to pull my credit! these inquiries are fraudulent. Please remove them off my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, TransUnion, and XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on GENERAL REV ( Original Creditor : XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.